North Carolina — Hearing Aid Coverage
Medicare Advantage and ACA Marketplace hearing benefit data for North Carolina
MA plans tracked
50
Medicare Advantage plans in North Carolina
MA with hearing
21
Plans that appear to include a hearing aid benefit
ACA covered plans
206
ACA plans listing hearing aids as a covered benefit
Avg MA benefit
$2,738
Average reported hearing benefit across covered MA plans
Coverage Overview
According to 2026 Centers for Medicare & Medicaid Services (CMS) public filings, North Carolina has 50 Medicare Advantage plans from 17 insurers, with 21 (42%) including hearing aid benefits — below the national average of 71.6%. Covered plans offer between $2,000 and $3,450 in benefits, averaging $2,738, which is 115% above the national average of $1,276. The largest carriers are Blue Cross and Blue Shield of North Carolina (7 plans), HealthTeam Advantage (7 plans), and Liberty Medicare Advantage (3 plans). About 9.5% of covered plans require prior authorization. About 6.7% of plans report $0 copays for hearing aids.
This information is derived from publicly available CMS data and may not reflect individual plan variations, rider modifications, or mid-year changes. Always verify benefits directly with the plan or its administrator.
How to verify hearing aid coverage in North Carolina
Find your plan ID
Check your insurance card or call your insurer's member services number for your contract and plan ID.
Look up your plan
Search for your plan on this page or use our plan lookup tool to see what CMS filings report about your hearing aid benefits.
Call your plan administrator
Confirm the benefit details directly. Ask about dollar limits, in-network requirements, and whether prior authorization is needed.
Contact the North Carolina Department of Insurance
If you believe your plan should cover hearing aids, the North Carolina Department of Insurance can help clarify your rights. You can find your state Department of Insurance via the NAIC directory at naic.org/state-insurance-departments.
Top organizations in North Carolina
Medicare Advantage carriers with the most plans tracked in North Carolina. Click an insurer to see their full coverage profile.
- Blue Cross and Blue Shield of North Carolina14 plans
- HealthTeam Advantage7 plans
- Liberty Medicare Advantage3 plans
- CarePartners PACE2 plans
- Carolina SeniorCare2 plans
- Elderhaus PACE2 plans
- LIFE St. Joseph of the Pines2 plans
- PACE of the Southern Piedmont2 plans
Top plans in North Carolina
Sample plans available in North Carolina — click any to see full coverage details.
Medicare Advantage
- AmeriHealth Caritas VIP Care — H8212-001Covered
- Blue Cross and Blue Shield of North Carolina — H3404-003Covered
- Blue Cross and Blue Shield of North Carolina — H3404-004Not covered
- Blue Cross and Blue Shield of North Carolina — H3404-801Not covered
- Blue Cross and Blue Shield of North Carolina — H3404-810Not covered
- Blue Cross and Blue Shield of North Carolina — H3404-811Not covered
ACA Marketplace
- Blue Cross and Blue Shield of NC — Blue Advantage Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Nationwide DoctorsCovered
- Blue Cross and Blue Shield of NC — Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide DoctorsCovered
- Blue Cross and Blue Shield of NC — Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide DoctorsCovered
- Blue Cross and Blue Shield of NC — Blue Advantage Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Nationwide DoctorsCovered
- Blue Cross and Blue Shield of NC — Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide DoctorsCovered
- Blue Cross and Blue Shield of NC — Blue Advantage Gold Standard A | Nationwide DoctorsCovered
Browse North Carolina plans
Search every Medicare Advantage and ACA Marketplace plan with hearing benefits filtered to North Carolina.
Browse North Carolina plans