Patient Resources
Does Cigna Medicare Surround Cover Hearing Aids?
Dr. Melissa Segev Au.D
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September 19, 2025
As you consider your varied healthcare options, you might find yourself questioning whether your Cigna Medicare Surround plan will help cover the costs of hearing aids. Given the investment that hearing devices require, it's entirely reasonable to want clarity on what your insurance can and cannot cover.
What Is Cigna Medicare Surround?
Cigna Medicare Surround, often referred to as Medigap, is a supplemental insurance plan designed to bridge the financial gaps left by Original Medicare. While Original Medicare can help with many healthcare needs, it doesn’t cover everything. This is where Medigap plans like Cigna Medicare Surround come in, helping you manage deductibles, coinsurance, and copayments that aren't fully covered by Original Medicare. However, Cigna Medicare Surround does not add new categories of coverage. Instead, it solely fulfills the gaps existing within Medicare itself.
Does Cigna Medicare Surround Cover Hearing Aids?
Original Medicare does not cover hearing aids or routine hearing exams. As a result, Cigna Medicare Surround also doesn’t cover these expenses. This can understandably be disappointing, especially when hearing health is an important aspect of maintaining your overall well-being and quality of life. It’s worth noting that while hearing aids and routine hearing exams fall outside the coverage, some diagnostic hearing tests may be covered under Medicare Part B if they're deemed medically necessary.
Exploring Alternatives and Options
If you’re seeking coverage for hearing aids, several alternatives are worth considering:
Medicare Advantage (Part C) Plans: Unlike Medigap, some Medicare Advantage plans do offer benefits for hearing aids, including discounts or full coverage. You would need to review the specific benefits offered by these plans to see if they fit your needs.
State-Run Programs or Medicaid: Depending on where you live, state programs or Medicaid might help with the investment involved in hearing aids. Eligibility and availability vary, so it's worth investigating what is on offer in your area.
Financing and Payment Plans: Some financing plans allow you to spread the payments over time. This can make your investment far more manageable and easier to fit into your budget.
How Audiology Associates Helps You
Our dedicated team is committed to helping you clearly understand your Medicare-related coverage, ensuring you have all the information you need to make informed decisions.
You can depend on expert assistance in exploring external resources and options outside of Medicare, so you don’t have to face these decisions alone.
You can place your trust in us to provide guidance on the options and solutions available to help achieve the better hearing health you deserve. Whether it's through exploring financing plans or leveraging state and federal resources, our goal is to support you in finding a path forward.
Have Cigna Medicare Surround and wondering if it covers hearing aids? While supplemental plans don’t include hearing aid benefits, Audiology Associates can help you explore other options to make better hearing more affordable.
Dr. Melissa Segev Au.D