Florida Blue's Medicare Advantage plans cover two hearing aids every year for flat copays ($350–$1,825 per aid in 2026 through NationsHearing), but its ACA marketplace plans exclude hearing aids and most employer plans follow suit, leaving TruHearing and Beltone member discounts.
By Lilly Seay · Updated July 2026
Florida Blue Medicare's 2026 plans use a flat-copay design instead of an allowance on most plans. The 2026 Summary of Benefits for BlueMedicare Premier (HMO, H1035-033, serving Clay and Duval counties) shows a $0 routine hearing exam, $0 evaluation and fitting, and up to 2 hearing aids every year with a copay per device by technology level: Entry $350, Basic $525, Prime $825, Preferred $1,125, Advanced $1,425, and Premium $1,825 — subject to a plan benefit maximum, and aids must be purchased through the plan's participating provider to get in-network benefits. That provider is NationsHearing (part of NationsBenefits), reachable at 1-866-311-3617 (TTY 711). The NationsHearing benefit includes one no-cost hearing test per year, access to 8,000+ providers and more than 1,200 hearing aid makes and models, three follow-up visits, 3 years of batteries per device (not needed for rechargeables), a 3-year manufacturer's repair warranty, a one-time lost/stolen/damaged replacement per aid (a deductible applies), a 60-day 100% money-back guarantee, and 0% APR 12- or 18-month financing with no money down. D-SNP plans are the exception: when the copay chart launched in 2024, all D-SNP plans kept an allowance-style hearing benefit, and the 2026 BlueMedicare Complete (HMO D-SNP) plan page lists routine hearing coverage without publishing amounts — D-SNP members should check their Evidence of Coverage or call the plan. Exact copays can vary by plan and county, so always check your own plan's 2026 Summary of Benefits.
Florida has no state hearing aid insurance mandate — CS/HB 79 (2022), which would have required individual policies and HMOs to cover at least $3,500 per ear every 24 months for children 18 or younger, died in the Florida House in March 2022 — so nothing forces marketplace plans to include hearing aids, and Florida Blue's individual plans exclude them. The 2026 myBlue Gold 1605 Summary of Benefits and Coverage lists 'Hearing aids' under 'Services Your Plan Generally Does NOT Cover,' alongside adult dental and routine adult eye care. Diagnostic hearing exams ordered by a doctor are a different story and are generally covered as medical care. To check any specific plan, open its SBC (floridablue.com plan documents, or bcbsfl.com/DocumentLibrary/sbc) and read the 'Excluded Services & Other Covered Services' box on the last pages. Marketplace members do get the TruHearing and Beltone member discounts (below).
There are two kinds of employer plans, and the difference matters. Fully insured group plans — where Florida Blue is the insurer — follow Florida insurance law, and since Florida has no hearing aid mandate, they typically exclude hearing aids the same way Florida Blue's individual plans do unless the employer buys extra coverage or a rider. Self-funded plans — common at larger employers and governed by federal ERISA rather than state law — are exempt from state benefit mandates entirely: the employer sets its own benefit design and hires Florida Blue only to administer it, so some include a hearing aid benefit and many don't. The only way to know is your own plan's SBC or benefits booklet: look for 'hearing aids' in the excluded-services list, or ask HR whether a hearing benefit or rider was purchased. All Florida Blue group members still get the TruHearing and Beltone member discounts regardless of what the medical plan covers.
Florida Blue is not one of Florida's Statewide Medicaid Managed Care (SMMC 3.0) plans — the 2025–2030 contracts went to Aetna Better Health, Community Care Plan, Florida Community Care, Humana Healthy Horizons, Molina, Simply Healthcare, Sunshine Health, and UnitedHealthcare Community Plan (plus the Children's Medical Services plan and dental plans). If you have Florida Medicaid, your hearing benefits come through one of those plans, not Florida Blue. Worth knowing: Florida Medicaid's Hearing Services Coverage Policy (Rule 59G-4.110) covers one new hearing aid per ear every three years for recipients with moderate or greater hearing loss, plus fittings, up to three pairs of ear molds per year, and up to two repairs per year after the warranty ends — and the policy covers recipients of all ages, not just children.
All Florida Blue members — including marketplace and employer members whose plans exclude hearing aids — can use two member discount programs. TruHearing advertises 30–60% off the retail price of over 100 hearing aid models, average savings of about $980 per hearing aid versus national average prices, roughly 4,800 locations nationwide, and a 45-day return window; call 1-855-253-9141 (Mon–Fri, 8 a.m.–8 p.m. ET). Beltone offers a free hearing screening, a 45-day return option, and member discounts at local Beltone centers; call 1-888-418-6763 and bring your Florida Blue member ID card. These are discounts, not insurance — you pay the discounted price yourself, and what you spend doesn't count toward your plan's deductible or out-of-pocket maximum.
In 2024 Florida Blue Medicare replaced hearing aid allowances with a 'more transparent' fixed-copay structure (starting as low as $350 per aid) on most Medicare Advantage plans and moved the benefit to NationsHearing — adding up to two aids per year, a 60-day trial, online hearing tests, mobile units that test at home, and mail delivery of aids in many areas; all D-SNP plans kept an allowance that year. For 2026, Florida Blue Medicare announced plans in all 67 Florida counties (October 2025), and its HMO plan earned a 4-star Medicare rating. The 2026 copay chart runs $350 (Entry) to $1,825 (Premium) per device, and over-the-counter hearing aids are not covered.
It depends on which Florida Blue plan you have. Florida Blue Medicare Advantage plans do cover hearing aids — on most 2026 plans you pay a flat copay of $350 to $1,825 per aid (by technology level) for up to two aids every year through NationsHearing, with a $0 routine hearing exam. Florida Blue's ACA marketplace and standard individual plans do not cover hearing aids — they're listed under 'Services Your Plan Generally Does NOT Cover' — and employer plans usually exclude them too unless your employer added a benefit. Every member can still use TruHearing and Beltone discounts of 30–60%.
On most 2026 Florida Blue Medicare Advantage plans you pay a fixed copay per hearing aid based on technology level: Entry $350, Basic $525, Prime $825, Preferred $1,125, Advanced $1,425, and Premium $1,825 — up to two aids every year, with a $0 routine hearing exam and $0 fitting. The benefit includes three follow-up visits, three years of batteries, a 3-year warranty, and a 60-day money-back guarantee. You must buy through NationsHearing (1-866-311-3617). Copays vary by plan and county, aids are subject to a benefit maximum, and D-SNP plans work differently — confirm your own plan's Summary of Benefits before buying.
No. Florida has no law requiring hearing aid coverage — a 2022 bill (CS/HB 79) that would have required at least $3,500 per ear every 24 months for children died in the Legislature — so Florida Blue's individual and marketplace plans list hearing aids as an excluded service. That's true for adults and children. Doctor-ordered diagnostic hearing tests are still covered as regular medical care. If you're on a myBlue, BlueOptions, or BlueCare plan, your realistic path is the TruHearing member discount (30–60% off, about $980 average savings per aid, 1-855-253-9141) or Beltone discounts (1-888-418-6763).
Both names appear, which confuses people. The actual insurance benefit on Florida Blue Medicare Advantage plans is administered by NationsHearing (part of NationsBenefits) — that's who you call at 1-866-311-3617 to use your copay benefit, schedule a free hearing test, and choose from 1,200+ makes and models across 8,000+ providers. TruHearing is different: it's a discount program available to Florida Blue members generally, useful mainly if your plan doesn't cover hearing aids at all. If you have a BlueMedicare plan, start with NationsHearing so you get the insurance benefit, not just a discount.
D-SNP members do get routine hearing coverage, but the 2026 details aren't published online. When Florida Blue Medicare switched most plans from allowances to fixed copays in 2024, all of its D-SNP plans kept an allowance-style hearing benefit that year, and the 2026 BlueMedicare Complete (HMO D-SNP) plan page confirms routine hearing coverage without listing amounts. So don't rely on secondhand figures — check your Evidence of Coverage under 'Hearing services,' call Florida Blue Medicare member services at the number on your ID card, or call NationsHearing at 1-866-311-3617 and ask them to quote your remaining hearing benefit before you shop.
Florida Blue doesn't operate Medicaid plans — Florida's 2025–2030 Medicaid managed care contracts belong to plans like Sunshine Health, Simply Healthcare, Humana Healthy Horizons, Molina, Aetna Better Health, UnitedHealthcare, Community Care Plan, and Florida Community Care. The good news: Florida Medicaid's own hearing services policy covers one new hearing aid per ear every three years, plus fittings, up to three pairs of ear molds a year, and repairs, for recipients of all ages with moderate or greater hearing loss. If you're dual-eligible (Medicare + Medicaid), a Florida Blue D-SNP adds routine hearing coverage on top. Call your Medicaid plan's member services to find a participating audiologist.
While you sort out coverage, the Hearing Buddy app gives you live captions on your phone — free, instantly.