Financial Assistance for Hearing Devices

The sticker price on hearing devices can feel overwhelming. A pair of hearing aids can cost $2,000-$6,000. Cochlear implant surgery can run $30,000-$50,000 per ear. But here's what most people don't know: you rarely have to pay full retail price.

Financial assistance exists from multiple sources—device manufacturers, nonprofit organizations, state programs, and healthcare systems like UCSF. The challenge isn't that help doesn't exist. It's that you have to know where to look.

This guide walks you through every major source of financial assistance for hearing devices, who qualifies, and exactly how to apply.

UCSF Financial Assistance Programs

Let's start with what's available right here at UCSF, since many people don't realize how much support exists within our own system.

Manufacturer Assistance Programs

All major hearing device manufacturers offer assistance programs—but they don't advertise them prominently. Here's what each company offers:

Hearing Aid Manufacturers

Cochlear Implant Manufacturers

Nonprofit Organizations & Foundations

Numerous nonprofit organizations exist specifically to help people afford hearing devices. Here are the most established programs:

State & Local Programs (California-Specific)

California has several state-funded programs that provide hearing devices or financial assistance to qualifying residents:

Veterans Benefits

If you're a veteran, you likely qualify for comprehensive hearing care through the VA—often at no cost.

Flexible Spending & Tax-Advantaged Accounts

Don't overlook tax-advantaged accounts you may already have access to through your employer:

Account Type	How It Helps	Annual Limit (2025)
Health Savings Account (HSA)	Funds roll over year to year; yours to keep even if you change jobs	$4,300 (individual) $8,550 (family)
Flexible Spending Account (FSA)	Pre-tax contributions reduce your taxable income	$3,300 (use it or lose it)
Dependent Care FSA	Can sometimes be used for children's hearing devices if needed for care	$5,000

Credit Options & Healthcare Financing

If you need to spread out payments over time but don't qualify for manufacturer assistance, healthcare financing companies offer plans specifically for medical devices:

Alternative Options: Over-the-Counter & Online Hearing Aids

Since FDA approval in 2022, over-the-counter (OTC) hearing aids have become available for people with mild-to-moderate hearing loss. While they don't replace professional care, they can be a temporary solution while you pursue financial assistance for prescription hearing aids.

Important consideration: OTC devices work for some people but not everyone. They're not a substitute for a proper audiological evaluation and professionally fitted hearing aids. Think of them as reading glasses vs. prescription glasses—sometimes good enough, sometimes not.

How to Apply: Step-by-Step Action Plan

Feeling overwhelmed? Here's exactly what to do, step by step:

Step 1: Get Your Hearing Tested (If You Haven't Already)

You need documentation of your hearing loss for most assistance programs. Schedule a comprehensive audiological evaluation. If cost is a concern, mention this upfront—UCSF and many community health centers offer sliding-scale fees for diagnostic testing.

Step 2: Determine Your Eligibility Category

Are you:

• A veteran? → Start with VA benefits
• A child or parent of a child with hearing loss? → California Children's Services (CCS)
• A working adult whose hearing loss affects your job? → Department of Rehabilitation (DOR)
• Low-income but not in above categories? → UCSF sliding scale + manufacturer programs + nonprofits
• Middle income but underinsured? → Payment plans + FSA/HSA + manufacturer assistance

Step 3: Gather Required Documents

Most programs will ask for:

• Recent audiogram (hearing test results)
• Proof of income (pay stubs, tax returns)
• Proof of expenses (rent/mortgage, utilities, medical bills)
• Insurance cards (even if you're uninsured, document this)
• Photo ID

Step 4: Apply to Multiple Programs Simultaneously

Don't put all your eggs in one basket. Apply to:

• UCSF financial assistance (if getting care at UCSF)
• One manufacturer program (match to the brand you need/want)
• 1-2 nonprofit organizations
• State programs if eligible

Step 5: Follow Up Persistently

Most applications take 2-4 weeks for review. Call to check status weekly. If denied, ask why and what you can do to appeal or reapply.

Common Questions

What if I get denied?

Ask why you were denied and whether you can appeal or reapply with additional documentation. Many programs have formal appeals processes. Also, denial from one program doesn't mean denial from all programs—keep applying elsewhere.

Can I combine multiple assistance programs?

Sometimes. For example, you might use manufacturer assistance to reduce the device cost, then pay the remainder through a UCSF payment plan using HSA funds. Always disclose other assistance you've received when applying to avoid conflicts.

How long does financial assistance usually last?

Most programs are one-time assistance for device purchase. However, VA benefits and CCS are ongoing. Manufacturer assistance sometimes covers both initial purchase and later upgrades.

What if I already bought hearing aids but can't afford them?

Some assistance programs work retroactively if you applied before purchase. Others don't. Contact the program directly. For future purchases, always apply for assistance before buying devices.

Are hearing aid costs tax deductible?

Yes, if you itemize deductions and your total medical expenses exceed 7.5% of your adjusted gross income. Keep all receipts and documentation. Consult a tax professional for specifics.

The Bottom Line

Financial assistance for hearing devices exists—but you have to actively pursue it. The system doesn't make it easy, and programs don't advertise loudly. But thousands of people successfully access help every year.

Key strategies that work:

• Apply to multiple programs at once rather than one at a time
• Start with UCSF financial counseling if getting care here
• Don't be discouraged by initial denials—keep applying
• Be honest about your financial situation and provide thorough documentation
• Follow up persistently on pending applications

Cost is a real barrier—but it doesn't have to be an insurmountable one. Take the first step and start applying today.