Hearing aids are an important investment in your health, relationships, and quality of life. But for many people, the cost of hearing aids can feel like a barrier.

At Beltone, we believe that better hearing should be within reach for everyone—which is why many of our locations offer flexible payment plans and financing options.

Because each Beltone office is locally owned and operated, the financing options available may vary. In this article, we’ll walk you through the types of payment plans you might encounter and how they can make your hearing care more affordable.

Why Consider a Payment Plan for Hearing Aids?

Hearing aids are sophisticated medical devices that use advanced technology to improve hearing in a variety of listening environments. The cost of hearing aids reflects not just the devices themselves, but also the professional care, adjustments, and follow-up services that come with them.

A payment plan can help you:

• Spread out the cost over several months instead of paying in one lump sum.
• Get the technology you need now without having to delay treatment.
• Fit your budget by choosing a repayment schedule that works for you.

Delaying hearing aid use can worsen hearing health and even contribute to cognitive decline, so finding a manageable payment option can make a big difference for your long-term well-being.

Common Types of Hearing Aid Payment Plans

While every Beltone office sets its own financing options, here are some of the most common types of payment plans you may be offered:

1. Monthly Financing

   This is one of the most popular ways to pay for hearing aids. Instead of paying the full amount up front, you make monthly payments over a set period—often 6, 12, 18, or 24 months. Some financing plans even offer 0% interest promotional periods if the balance is paid in full within the agreed term.

   Benefits:

   • Predictable monthly payments
   • Access to advanced hearing aid technology right away
   • Option to pay off early without penalties (in many cases)

2. Extended-Term Financing

   If you prefer smaller monthly payments, some providers offer extended-term financing for up to 36, 48, or even 60 months. While these plans can make payments more budget-friendly, they may involve interest charges.

   Benefits:

   • Lower monthly payments
   • Ability to fit hearing aids into a tight budget
   • Flexibility to choose higher-tier technology

3. Lease-to-Own Programs

   In some locations, you may have the option to “lease” hearing aids with the goal of owning them at the end of the term. This type of plan functions similarly to financing, but sometimes includes built-in upgrade opportunities when your lease is up.

   Benefits:

   • Ability to upgrade to newer technology sooner
   • Predictable costs over the term
   • Often includes maintenance and service during the lease

4. In-House Payment Plans

   Some Beltone offices create their own in-house payment plans without going through a third-party lender. These plans can be customized to your needs and may have more flexible terms.

   Benefits:

   • Local decision-making
   • Potential for more personalized payment schedules
   • Easy communication directly with your hearing care provider

5. Third-Party Financing Providers

   Many hearing care providers work with trusted third-party financing companies that specialize in medical and health-related expenses. Examples include CareCredit, Wells Fargo Health Advantage, and others.

   Benefits:

   • Quick application and approval process
   • Can be used for other health expenses as well
   • Often available even if your credit isn’t perfect

Additional Ways to Save on Hearing Aids

While payment plans can make hearing aids more affordable, they aren’t the only option for reducing your out-of-pocket cost. You may also want to explore:

• Insurance Benefits – Some insurance plans provide partial or full coverage for hearing aids. Coverage varies widely, so check with your insurance provider.
• Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA) – If you have an FSA or HSA, you can use pre-tax dollars to pay for hearing aids and hearing care services.
• State Assistance Programs – Some states offer programs to help residents with the cost of hearing aids.
• Promotions and Special Offers – Beltone offices may run seasonal promotions, trade-in programs, or special discounts.

Questions to Ask Your Hearing Care Provider About Payment Plans

When you’re ready to explore financing, make sure to ask:

1. What payment plan options do you offer?
2. Are there any interest-free promotions available?
3. Is there a penalty for paying off early?
4. What is included in the cost? (e.g., follow-up appointments, cleanings, warranty)
5. Are there upgrade options if technology changes during my term?

By asking these questions, you’ll get a clearer picture of your total costs and how your payment plan works.

Why Affordable Hearing Care Matters

Hearing loss doesn’t just affect your ability to listen—it impacts your overall quality of life. Studies have shown that untreated hearing loss can lead to social isolation, depression, and even increased risk of cognitive decline.

Getting hearing aids now—rather than waiting—can help you stay active, engaged, and connected. Flexible payment plans make it easier to take that important step without straining your budget.

Take the First Step Toward Better Hearing

At Beltone, we understand that financing can be just as important as finding the right hearing aid. That’s why many of our locations work with patients to create payment solutions that fit their needs.

Because options vary by location, the best way to learn about financing is to contact your nearest Beltone. Our hearing care professionals can walk you through your options, help you understand costs, and answer any questions you have.

Don’t wait to hear better—affordable payment options are available.

Ready to explore payment plans for hearing aids?

Find your nearest Beltone location and schedule a free hearing screening today.