Hearing Benefit Report

Humana

H0028-007 · ma · Omaha

Plan year: 2026 | Report generated: April 29, 2026

Source: CMS Plan Benefit Package (PBP) public use file, 2026 plan year

This report uses public CMS filing data for the referenced plan year. It is designed to help you prepare for coverage conversations and estimate possible out-of-pocket costs. It is not a guarantee of benefits and does not replace direct verification with your insurer or plan administrator. Actual costs depend on network status, contracted rates, deductible status, and plan administration rules.

Sample Report — Humana H0028-007

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Section 1

Your Plan at a Glance

Maximum hearing aid benefit

$2,000

per ear

Plan year

2026

How to read this benefit

This plan’s filing reports a $2,000 hearing aid benefit per ear. Hearing exams are listed as covered, with no exam copay reported in the filing. The benefit appears to reset annually. Prior authorization is required before purchasing. Hearing aid costs do not appear to count toward the plan’s annual out-of-pocket maximum.

What you still need to verify directly

  • •Whether your preferred audiologist is in network for hearing aids
  • •Whether any of the benefit has already been used in the current benefit period
  • •Your provider’s contracted rate or allowed amount
  • •Whether the plan has changed since the filing used for this report

Coverage basics

Coverage status

Reported hearing aid benefit: $2,000 per ear

Maximum benefit

$2,000per ear

Copay

$0

Coinsurance

No coinsurance reported in filing

Hearing exam

Reported as covered

Fitting appointment

$0 copay

Plan rules

Prior authorization

Required

Hearing benefit administrator

TruHearing (inferred — verify directly)

Benefit resets

January 1 each year

Maximum hearing aids

2 per 3 years

Counts toward out-of-pocket max

No

OTC hearing aids

Reported as covered

How to read these labels

Reported as covered — explicitly described in the plan filing

Not reported in filing — no amount or rule was identified

Not identified in filing — not found in the source reviewed

Verify directly — may depend on plan administration or current eligibility

Section 2

What This Benefit Might Look Like

These examples show how member costs may vary at different device price points based on the plan filing reviewed for Humana. They are illustrative only and assume use of an in-network provider.

Lower-cost scenario

$1,200

per ear · based on 2026 filing for Humana

Est. member cost

$0

both ears

Device cost, per ear$1,200
× 2 ears$2,400
Estimated plan contribution−$2,400
Copay+$0
Estimated member responsibility$0

Assumes an in-network provider. Actual member cost may differ based on contracted rates, deductible status, and final plan adjudication.

Mid-range scenario

$2,500

per ear · based on 2026 filing for Humana

Est. member cost

$1,000

both ears

Device cost, per ear$2,500
× 2 ears$5,000
Estimated plan contribution−$4,000
Copay+$0
Estimated member responsibility$1,000

Assumes an in-network provider. Actual member cost may differ based on contracted rates, deductible status, and final plan adjudication.

Higher-cost scenario

$4,500

per ear · based on 2026 filing for Humana

Est. member cost

$5,000

both ears

Device cost, per ear$4,500
× 2 ears$9,000
Estimated plan contribution−$4,000
Copay+$0
Estimated member responsibility$5,000

Assumes an in-network provider. Actual member cost may differ based on contracted rates, deductible status, and final plan adjudication.

Take this to your appointment

Fill in once you have a price quote. Ask for the provider's contracted rate or allowed amount if available. That figure is often lower than retail price and is closer to what the plan uses when applying the benefit.

Provider's quoted price, per ear$      
× 2 ears$      
Minus estimated plan contribution (up to $2,000 per ear)−$      
Plus copay+$0
Your estimated cost, both ears$        

Section 3

In-Network vs. Out-of-Network Considerations

No out-of-network hearing aid benefit was identified in the filing reviewed for this report. Some plans may still allow limited out-of-network reimbursement or exceptions, so verify directly with the insurer.

In-network provider

  • ✓The plan’s $2,000 per ear benefit applies toward the cost
  • ✓Estimated member responsibility: copay ($0) plus any amount above the benefit cap
  • ✓Hearing aid costs do NOT count toward your annual out-of-pocket maximum

Out-of-network provider

  • –No out-of-network application of the $2,000 per ear benefit was identified in the filing reviewed — verify directly
  • –Full provider price may be out-of-pocket
  • –These costs may not count toward your plan’s out-of-pocket maximum

Take this to your appointment

Use this to compare your actual in-network and out-of-network costs before deciding on a provider.

In-network estimate

Provider's contracted rate (per ear)$     
Minus plan contribution (up to $2,000)−$   
Plus copay+$0
Estimated in-network cost$     

Out-of-network estimate

Provider's self-pay or cash price

Ask if they offer a cash-pay discount

$     
Your out-of-network cost$     

Compare these two numbers. The right choice depends on your total cost, your provider preference, and whether your preferred provider participates in the plan's network.

Section 4

Before You Order — Confirmation Checklist

Confirm the following before ordering. Use this checklist when calling the insurer or reviewing the quote with your provider.

0 of 11 confirmed

Before you order

Prior authorization

Benefit administrator

Plan-specific details

Section 5

Questions Tailored to Your Plan

These questions are based on details identified in the filing used for this report. Use them when calling the insurer or speaking with your audiologist's office.

Your plan requires prior authorization before purchasing hearing aids.

“What is the prior authorization process, and how long does approval typically take? Do I need a new authorization each benefit period?”

Your plan appears to use TruHearing to administer the hearing benefit.

“Do I contact TruHearing directly to use my hearing aid benefit, or do I go through Humana first?”

Your plan filing indicates hearing aid costs do not count toward your annual out-of-pocket maximum.

“Can you confirm that hearing aid expenses — including copays — do not apply to my annual out-of-pocket maximum?”

Your plan limits coverage to 2 hearing aids per 3 years.

“When does my current benefit period start and end, and has any of this benefit already been used?”

This report is based on the 2026 CMS filing for Humana.

“Have there been any changes to the hearing aid benefit since the 2026 CMS filing? Is the information in this report still current?”

Section 6

What This Report Cannot Tell You

This report is based on public filing data and is intended for planning purposes. It does not confirm your final coverage, cost, or eligibility.

This report does not confirm:

  • —Your provider’s contracted or allowed rate, which may be lower than retail price
  • —How much of your deductible you have met this year
  • —Whether a specific hearing aid model, technology tier, or vendor arrangement will qualify under the benefit
  • —Whether your preferred provider is currently in-network
  • —Any changes made to the plan after the CMS filing date
  • —Whether you have remaining benefit available in this period

To verify your actual coverage

To verify your actual coverage, contact the insurer and confirm your current hearing aid benefit, remaining benefit availability, network status, any authorization requirements, and the provider's contracted rate if applicable.

Official resources

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© 2026 AudiCoverage · audicoverage.com

H0028-007 · 2026 plan year · Generated April 29, 2026

For personal use only. Not for redistribution.