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Saving money on hearing aids

Ready to invest in your hearing health? If your insurance doesn’t provide coverage for your hearing aid expenses, you still have options. Learn more about pre-tax accounts that can help cover hearing costs and keep your money where it belongs—in your pocket.
Covering costs

FSA and HSA benefits

Covering the cost of hearing aids and getting a tax-free advantage? That’s exactly what flexible spending accounts (FSA) and health savings accounts (HSA) can help you do. With these accounts, you’re able to set aside money tax-free in order to cover eligible health expenses. They can be a great way to take care of those out-of-pocket expenses, and some even function as an addition to your retirement plan. 

Take a look below at the differences between FSA and HSA, and how they can help benefit you and your hearing journey.

Flexible spending accounts

How an FSA works

An FSA is an employer-sponsored account that’s often part of your employer benefits package. With an FSA, your employer can choose to match the funds you contribute to the account. With a few exceptions, it’s a “use it or lose it” type of plan. That means, if you don’t use the funds set aside, they won’t roll over to the next calendar year. 

If you would like to use your FSA to pay for hearing aids and supplementary costs, you have a few options:

  • You can purchase hearing aids out of pocket and then file a claim along with the receipt. You will then be reimbursed from your FSA account.
  • You may have access to an FSA debit card. This allows you to electronically access your FSA funds and use them to pay for your hearing aid expenses directly.
Health savings accounts

How an HSA works

Contrary to an FSA, you own your HSA. That means you can take your HSA with you regardless of employer and all funds can be rolled over from year to year. As long as you have a high-deductible health plan (HDHP), you can open an HSA. Your employer can also choose to contribute to your plan. Since an HDHP generally has a lower premium, the ability to set aside money tax-free can be a great way to ultimately save on your medical expenses. 

If you would like to use your HSA to pay for hearing aids and supplementary costs, you have a few options:

  • You can use your HSA debit card to directly pay for eligible medical expenses.
  • If you pay for something out of pocket, you can submit a claim for reimbursement, as mentioned in the FSA section above. 
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Where can I sign up for an FSA or HSA?

Can I use my FSA to pay for OTC hearing aids?

Is there a grace period to submit receipts for my FSA?

When submitting a receipt for reimbursement, what should be included?

What is considered an “eligible medical expense”.

Are hearing aids FSA eligible?

Are hearing aids HSA eligible?

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