Humana Medicare Advantage plans include hearing coverage, and on the 2027 plans we checked the benefit moves from TruHearing to NationsHearing: a $0 yearly exam plus fixed copays per aid (for example $399 to $750 on verified 2027 plans), with some D-SNPs at $0. Humana no longer sells ACA marketplace or employer group medical plans.
By Lilly Seay · Updated October 2026
The biggest change for 2027: the Humana plan documents we opened for Louisiana, North Carolina and South Carolina all move the hearing benefit from TruHearing to NationsHearing, and renames the tiers from 'Advanced' and 'Premium' to 'Level 1' and 'Level 2'. On Humana Gold Plus H1951-028 (HMO) in Louisiana, the 2027 Summary of Benefits shows a $0 routine hearing exam once a year, then a $575 copay per Level 1 prescription hearing aid or $750 per Level 2 aid, up to 1 per ear per year. On Gold Plus H1036-335 (HMO-POS) in North Carolina it is $399 for Level 1 and $675 for Level 2. Each purchase includes 1 fitting, 3 follow-up visits in the first year, a 60-day trial, a 3-year extended warranty, and 3 years of batteries for non-rechargeable aids (up to 60 cells per ear per year). Select Level 1 and Level 2 aids come in rechargeable styles. The 2027 Evidence of Coverage is plain about the network: you must call NationsHearing at 888-742-8015 to use the benefit, and in-network coverage is limited to NationsHearing Level 1 and Level 2 prescription aids. Over-the-counter aids and accessories are not covered on these plans.
If you are a Humana member today, your 2026 benefit still runs through TruHearing until the plan year ends. The 2026 Summaries of Benefits show the old design: a $0 routine exam, then $699 per Advanced-level TruHearing aid and $999 per Premium aid on plans like Gold Plus H1951-028 and USAA Honor Giveback H5216-386, or $499 and $799 on Gold Plus H1036-335, and they state that aids bought from a non-participating provider are not covered. TruHearing's Humana line for 2026 members is 1-844-255-7144 (TTY 711). If you were planning to buy hearing aids anyway, compare your 2026 copay with your plan's 2027 copay before deciding whether to buy in December or January. We could not open a 2027 document for USAA Honor Giveback H5216-386, so check that plan's 2027 Annual Notice of Change if you have it.
Humana's plans for people with both Medicare and Medicaid are usually more generous. The 2027 Humana Dual Integrated (HMO D-SNP) plan in South Carolina, H1396-001, covers up to 2 NationsHearing Level 2 prescription hearing aids every year (1 per ear) at a $0 copay, with a $0 routine exam, 3 follow-up visits, a 60-day trial and a 3-year warranty. That is a big step up from 2026, when the same plan covered 2 TruHearing aids every 3 years. The 2027 Humana Dual Fully Integrated (HMO D-SNP) plan in Illinois, H4329-001, lists a $2,000 maximum benefit for over-the-counter or prescription hearing aids, up to 2 per year, plus $0 fitting and evaluation (it was $750 in 2026). D-SNP members may also have Medicaid hearing coverage underneath, so call the number on your card to have both checked.
Humana does not sell ACA individual and family medical plans, so there is no Humana marketplace hearing aid benefit to look up. If you're shopping on healthcare.gov or a state exchange, hearing aid coverage for adults depends on other carriers and on state rules. Eleven states (Arkansas, Connecticut, Illinois, Maine, Maryland, Minnesota, New Hampshire, New Jersey, Rhode Island, Vermont and Washington) mandate adult hearing aid coverage in state-regulated commercial plans, and most states require pediatric coverage. For any marketplace plan, check the SBC's 'Excluded Services & Other Covered Services' section to see whether hearing aids are listed as covered or excluded.
On February 23, 2023, Humana announced it would exit its Employer Group Commercial Medical Products business, so Humana no longer offers job-based medical plans. If your insurance card says Humana and you're retired, it's most likely a Group Medicare Advantage plan for retirees, so check that plan's own Summary of Benefits for its hearing design. One distinction worth carrying to whatever carrier replaced Humana: state hearing aid mandates only reach fully insured plans. A self-funded (ERISA) employer plan is exempt from state benefit mandates and covers hearing aids only if the employer chooses to add them. Your plan's SBC 'Excluded Services & Other Covered Services' table tells you either way.
Humana runs Medicaid managed care as Humana Healthy Horizons in Florida, Illinois, Indiana, Kentucky, Louisiana, Ohio, Oklahoma, South Carolina and Virginia, plus a HIDE D-SNP in Michigan. Hearing benefits follow each state's Medicaid rules. Kentucky covers 1 complete hearing evaluation per year and a hearing aid up to $1,200 per ear every 36 months. Florida covers 1 new hearing aid per ear every 2 years for members with moderate or greater hearing loss, plus cochlear implants for severe-to-profound loss. South Carolina's plan lists 1 hearing aid or cochlear implants with assessment, fitting and evaluation every 3 years under its EPSDT benefit. Children on Medicaid get medically necessary hearing services in every state through EPSDT. Your state's member handbook, or the member services number on your card, confirms adult limits and any extras.
Humana sells individual Humana Extend dental-vision-hearing plans. Humana's Extend 2500 page lists a $0 in-network routine hearing exam, then 2 hearing aids per year (1 per ear) at a $699 copay per ear for Advanced level, disposable-battery models only, or $999 per ear for Premium, with rechargeable Premium models for a $50 additional copay. Fine print that matters: hearing aids are not covered in Arizona, Georgia, Maryland, North Carolina and Texas, and hearing services aren't available at all in New York.
Humana announced its 2027 Medicare Advantage lineup on October 1, 2026: plans in about 2,600 counties across 45 states and D.C., more than 80% of U.S. counties, with dental, vision and hearing benefits available across its plans and chronic-condition SNPs expanding into Pennsylvania, Utah and Wisconsin. For 2026 it had been 46 states plus D.C. The hearing changes are larger than the headline suggests: on the plans we checked the network moves from TruHearing to NationsHearing, copays go down, follow-up visits are now capped at 3 in the first year instead of unlimited, and some D-SNPs now cover new aids every year instead of every 3 years. Medicare Open Enrollment runs October 15 to December 7, 2026, and changes take effect January 1, 2027.
Yes, if you're on a Humana Medicare Advantage plan. On the 2027 plans we checked, you get a $0 routine hearing exam each year, then a fixed copay per NationsHearing aid: $399 to $575 for Level 1 and $675 to $750 for Level 2, up to one aid per ear per year. Some Humana D-SNPs cover aids at $0. Original Medicare itself pays nothing toward hearing aids; the coverage comes from the Advantage plan. Humana no longer sells ACA marketplace or employer group medical plans, so those routes don't exist here.
On the 2027 plans we checked, you pay a flat copay per aid: $575 for Level 1 and $750 for Level 2 on Gold Plus H1951-028 in Louisiana, and $399 and $675 on Gold Plus H1036-335 in North Carolina. The copay includes a fitting, 3 follow-up visits in the first year, a 60-day trial, a 3-year extended warranty and 3 years of batteries for non-rechargeable aids. In 2026 the same plans charged $699 and $999, or $499 and $799, through TruHearing. Your exact numbers are in your plan's Summary of Benefits under 'Hearing services', or call Humana at 800-457-4708.
Not for 2027 on the plans we checked. Humana's 2027 Evidence of Coverage documents say you must call NationsHearing at 888-742-8015 to use the hearing benefit, and that in-network coverage is limited to NationsHearing Level 1 and Level 2 prescription aids. Through December 31, 2026, current members still use TruHearing (1-844-255-7144). Either way, aids bought outside the plan's hearing network are not covered, even on PPO plans, so check before you buy.
Usually more than regular plans. The 2027 South Carolina Humana Dual Integrated plan (H1396-001) covers up to two NationsHearing Level 2 aids every year at a $0 copay, up from two aids every three years in 2026. The 2027 Illinois Dual Fully Integrated plan (H4329-001) lists a $2,000 maximum benefit for OTC or prescription hearing aids, up to two per year, up from $750 in 2026. Designs vary by state and county, and your state Medicaid benefit may sit underneath as well. Check your plan's Summary of Benefits or call the number on your Humana card.
No. Humana announced on February 23, 2023 that it was exiting its employer group commercial medical business, and it does not sell ACA marketplace medical plans, so there are no Humana job-based or marketplace medical plans to carry a hearing benefit. If your card says Humana and you're retired, you likely have a Group Medicare Advantage plan; check its Summary of Benefits. Humana also sells individual Humana Extend dental-vision-hearing plans with hearing aid copays ($699 to $999 per aid on Extend 2500), though aids aren't covered in AZ, GA, MD, NC or TX, and hearing services aren't offered in NY.
On the 2027 Humana Medicare Advantage plans we checked, the benefit renews every year: one aid per ear per year. The South Carolina D-SNP also moves to yearly for 2027. Medicaid plans follow state rules: Kentucky allows up to $1,200 per ear every 36 months, and Florida covers one new aid per ear every two years. Your Summary of Benefits states your plan's exact frequency.
While you sort out coverage, the Hearing Buddy app gives you live captions on your phone — free, instantly.