Help with insurance needs

Cochlear has a dedicated team of reimbursement and insurance specialists who can navigate the insurance process on your behalf to get coverage for sound processor upgrades, parts and accessories.

A girl wears a Mini Mic as she plays with a friend wearing a Cochlear implant

What you'll find on this page

  • Learn what is typically covered by insurance and how Cochlear can help
  • See if Cochlear is contracted with your insurance plan
  • Get answers to your most frequently asked questions

In keeping with our promise to help you "Hear Now. And Always," Cochlear employs a team of reimbursement and insurance experts who can work with your insurance company on your behalf. Our experts collect and submit the necessary documentation to establish eligibility and determine insurance coverage.

Paying with insurance made easy

Cochlear provides direct insurance billing for sound processors for all insurance plans and types. For repairs, parts and accessories, we will direct bill for plans with whom Cochlear is commercially contracted in addition to Medicare, Medicaid (including HMOs), and TRICARE. We are contracted with many major private insurance plans that allows the ability for Cochlear to deal directly with the insurance on behalf of our patients and eliminates the need for them to navigate the insurance process on their own.

See if Cochlear is contracted with your insurance plan

What is typically covered

To qualify for reimbursement by your health plan, health care services and equipment must be deemed medically necessary. Health plans have their own definitions of medical necessity, but most cover the external equipment required to make your implant function: such as the sound processor, cables, coils, magnets and rechargeable batteries.

See the most commonly covered products

Frequently asked questions

Learn about the insurance process and Cochlear's Reimbursement Services for parts and accessories.

Get the answers you’re looking for

“If you’re dealing with Cochlear Americas, they will help you, and they make the process a lot easier. Every single time we call Cochlear, they treat us like we’re family.” 

- Donna H., parent of a Cochlear™ Nucleus® recipient


Information provided by Cochlear Americas regarding insurance coverage or reimbursement is provided as guidance only and is not intended as reimbursement or legal advice. Cochlear Americas makes no representation or warranty regarding such information or its completeness, accuracy, fitness for a particular purpose, or that following such guidance will result in any form of coverage or reimbursement from any insurer. Information presented is subject to change at any time. To be sure that you have the most current and applicable information available for your unique circumstances, please consult your own experts and seek your own legal advice regarding your reimbursement needs. In all cases, products or services billed must be medically necessary, actually performed and appropriately documented in the medical record. Coverage determinations and out-of-pocket costs may vary for individuals with private insurance.