Arizona Tribune - Hearing Tests: What to Expect, Costs, and Insurance Coverage

What a hearing test involves

A hearing test isn't just one exam - it's usually a series of simple evaluations that together paint a picture of your hearing ability. During your appointment, you'll meet with an audiologist or hearing specialist who will review your health history, discuss any symptoms you've noticed, and explain what each test measures.

Common hearing tests may include:

Pure-tone testing: You'll wear headphones and listen for beeps at different pitches and volumes. This process helps identify which frequencies you can (and can't) hear.

Speech testing: You'll repeat words or phrases to measure how well you understand speech at various volume levels. 

Tympanometry: This checks how well your eardrum and middle ear move by sending a small puff of air into your ear canal. 

Otoacoustic emissions (OAE): Often used for newborns and young children, this test measures the inner ear's response to sound. 

Most hearing tests take 30 to 60 minutes and are completely painless.¹

How much does a hearing test cost? 

Hearing test costs can vary widely depending on where you go, the type of test you need, and whether you have insurance coverage. On average, the cost of a hearing test can range from about $12 to $85 when paid out of pocket.¹

In some cases, hearing screenings - brief evaluations that check for potential issues - may be offered for free at pharmacies, community health fairs, or retail hearing centers. However, full diagnostic exams performed by licensed audiologists tend to be more detailed and may include a report and personalized care plan.

Here are a few cost factors to keep in mind:

Type of provider: Audiologists typically charge more than hearing aid retailers but provide a clinical diagnosis. 

Testing equipment and time: More advanced or specialized testing may increase costs. 

Location: Prices are generally higher in large metro areas than in small towns. 

Insurance coverage: Depending on your plan, part or all of your test may be covered - especially if it's ordered by a physician.

If you're unsure about what your plan covers, call your insurance provider before scheduling your appointment.

Insurance and financial options

Not all health insurance plans cover hearing tests for adults. While children's hearing screenings are often included as part of preventive care, adults may need to meet certain criteria, such as having a referral or experiencing symptoms of hearing loss. Some Medicare Advantage and private insurance plans may include hearing benefits, so it's always worth checking your policy details.

If you don't have coverage, there are still ways to help manage costs:

Community programs: Local health departments or nonprofit organizations sometimes offer low-cost hearing screenings. 

Financing programs: Some clinics partner with healthcare credit providers to help spread payments over time. 

Employer benefits: Even if your main health plan doesn't include hearing care, you may have a supplemental benefit that does.

For ongoing hearing needs - such as hearing aids - coverage can vary even more. Hearing aid cost with insurance depends heavily on your plan. Some may cover a fixed dollar amount toward hearing aids, while others ay reimburse a portion of the total cost after you meet a deductible. Without insurance, hearing aids can range from $2,000 to $7,000+ per pair, depending on the features and technology.² Supplemental insurance may help bridge any affordability gap, especially if hearing loss affects your ability to work or manage daily life.

What to expect after the test 

Once your hearing test is complete, the audiologist will review your results with you - often showing a graph called an audiogram that visually maps your hearing thresholds. Here's how your hearing may range:²

Normal hearing: Up to 25 decibels. 

Mild hearing loss: 26 to 40 decibels 

Moderate hearing loss: 41 to 55 decibels

Moderate-to-severe hearing loss: 56 to 70 decibels 

Severe hearing loss: 71 to 90 decibels

Profound hearing loss: over 90 decibels

If hearing aids are suggested, your provider can help you compare models, features, and costs. Typically, many clinics allow trial periods so you can see how devices fit into your daily routine.

Why early testing matters 

Hearing changes can often happen gradually, and it may be easy to miss the early signs. But the sooner you schedule a hearing test, the easier it is to treat potential issues before they start to affect your daily life. Left untreated, hearing loss can make conversations harder to follow and may even affect your mood and memory over time.³

Early testing can help give you a clearer understanding of your hearing health and helps you plan next steps with confidence - whether that means simple prevention, protection, or treatment.

The bottom line 

A hearing test is more than just a medical appointment - it can be an easy way to help care for yourself and stay tuned in to the world around you. Knowing what to expect and how costs work can make the process feel less overwhelming and more reassuring. No matter what your results show, you'll walk away with clarity and a plan to help protect your hearing health. 

If cost is a concern, your provider can walk you through payment plans, community programs, or supplemental insurance options that can help make hearing care easier to manage. A little support can go a long way to help you keep enjoying the sounds that you love.

Sources:

¹ CareCredit - Types of Hearing Tests. Published May 9, 2025. https://www.carecredit.com/well-u/health-wellness/types-of-hearing-tests/. Accessed November 26 2025.

² Healthy Hearing - Hearing Aid Prices. Updated December 10th, 2024. https://www.healthyhearing.com/help/hearing-aids/prices. Accessed November 26, 2025.

³ National Institutes of Health - Exploring the Link: Unraveling the Connection Between Hearing Loss and Psychiatric Disorders. Published April 29, 2025. https://pmc.ncbi.nlm.nih.gov/articles/PMC12124902/. Accessed November 26, 2025.

Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent. 

Dental, Vision, and Hearing coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).

Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.

Coverage/plan levels may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.

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SOURCE: Aflac

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