Hearing Loss, Cognitive Decline, and What Medicare Will Cover

Posted by Rolando Arellano, J.D.
Estimated Reading Time 1 minute 42 seconds

Hearing loss is often viewed as a normal part of aging, but recent research shows it can have a much larger impact on long-term health than many people realize. Studies increasingly demonstrate a clear link between untreated hearing loss and cognitive decline, including memory problems and an increased risk of dementia.

Understanding this connection is important for older adults, especially because early intervention can make a significant difference in long-term cognitive health. Fortunately, Medicare offers coverage options that can help, although the specifics depend on your plan.

Scientists believe the connection between hearing loss and cognitive decline may develop for several reasons. When your brain has to work harder to interpret muffled or unclear sounds, it may have fewer resources left to process memory and thinking tasks. Hearing loss can also lead to decreased social interaction, which is known to contribute to cognitive decline. Over time, the brain may even undergo structural changes due to a lack of auditory stimulation.

Because of this, early diagnosis and treatment of hearing loss becomes a powerful tool in protecting cognitive health. Medicare Part B covers diagnostic hearing and balance exams when they are ordered by a doctor. These evaluations are an important first step in identifying hearing problems and ruling out underlying medical issues.

It is important to note that Original Medicare does not pay for hearing aids or routine hearing exams.

For those experiencing cognitive concerns related to hearing loss, Medicare also covers visits with neurologists, audiologists, and other specialists when medically necessary. Cognitive assessments, behavioral health services, and speech language therapy may also be covered under Part B when your doctor prescribes them as part of your treatment plan. These services can help improve communication skills and support overall cognitive functioning.

If you suspect hearing loss, the most important first step is to talk with your primary care physician. They can refer you for appropriate testing and determine whether further evaluation is needed.

At the same time, it is wise to speak with your licensed insurance broker about your Medicare plan. Plan coverage can vary widely from plan to plan, and an experienced licensed insurance broker can help you choose a Medicare option that provides the most support for your specific needs.

Early action can protect both your hearing and your cognitive well-being. Don’t hesitate to reach out to your doctor and your insurance broker to make sure you are getting the care and coverage you deserve.