What cheap health insurance plan will cover me for optical expenses?
How important is optical cover?
If you’ve got glasses, you get it! As a kid you needed them to read and now you are older, you never go anywhere without them.
Whether you have had glasses all your life, or just as you get older, everyone knows how expensive they can be to replace. And it’s not just the frames that can be costly. If your eyes get worse as you get older, changing your lenses all the time can put a dint in your budget. That is where Frank can help with cheap extras covers with optical cover.
* The price shown is per week and applies to a Single, aged 30, living in VIC. It excludes LHC loading and includes a Base Tier Government Rebate
| Extras services (when included on cover) |
|---|
| All extras benefits except as specified below. Waiting Period: 2 Months |
| Optical, home and domestic aids and medical aids. Waiting Period: 6 months |
| Major dental services (including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth including wisdom teeth). Waiting Period: 12 Months |
| Health appliances including nebuliser pump, blood glucose monitor, pressure garments, sleep apnoea monitor, extremity pump, hearing aids, orthopaedic appliances (GMHBA approved), prostheses (GMHBA approved non-surgical), tens monitor, podiatry surgical procedures and orthotic appliances (foot). Waiting Period: 12 Months |
| Hospital services (when included on cover) |
|---|
| Accidents - bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover. Waiting Period: No |
| Obstetrics and maternity. Waiting Period: 12 months |
| Pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care). Waiting Period: 12 months |
| Any other benefit for hospital (or hospital substitution) treatment. Waiting Period: 2 months |
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by GMHBA (not your own doctor), existed at any time during the six months preceding the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover and/or benefit entitlement.
A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions. The waiting period also applies to existing members who have recently upgraded their level of hospital cover. If the ailment, illness or condition is considered pre-existing:
New members
New members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (transferring or upgrading)
Members transferring/upgrading to a higher hospital cover must wait 12 months to get the higher hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (with at least 12 months membership)
Existing members with at least 12 months membership in total across their old and new cover are entitled to the lower benefits on their old cover.
Silver Hospital cover provides the same single room coverage as Gold Hospital, but co-payments of $100 per day up to a maximum of $700 per admission apply. Co-payments are not the same as hospital excess. Please note: Some private hospitals only have single rooms and co-payments will apply.
Co-payments do not apply.
Plenty of glasses-wearing Australians have already experienced the benefits of health funds like Frank. Let us sort out your optical care and provide you with the best optical cover options
How does optical cover work?
In Australia, health insurance comes in two main forms: hospital and extras. Hospital insurance covers your more complex optical treatments like eye surgery and cataracts, procedure that require you’re admitted to hospital. By choosing to be treated as a private patient for these services, you can bypass public hospital waiting lists and have the freedom to select your preferred specialist or surgeon where available. Extras cover assists with the costs more associated with your everyday eye health like prescription frames, prescription lenses and contact lenses.
Without extras cover with optical cover, you may find yourself paying full price for frames, lenses, and contact lenses—leaving your budget weakened. The good news is that eye check consultations are usually covered by Medicare, so that’s one less thing to worry about.
We've got you covered when it comes to your eye care. Our affordable optical cover options can provide benefits for prescription glasses, prescription sunglasses, and prescription contact lenses. It’s unlikely many health funds will provide benefits for non-prescription sunnies, repairs or frames bought without a prescription or ophthalmologist appointments. Ophthalmologists are eye specialists who can perform operations on the eyes.
What optical cover options are out there?
Frank offers a range of affordable, flexible, and simple plans tailored to your optical needs. Whether you're due for an upgrade or preparing for needing glasses, our cheap health insurance options for optical cover you for a future in frames.
Frank have many extras policies with optical cover – Simple Extras, Some Extras, Lots Extras, Everyday Extras and More Extras. Our Freedom Saver Flexi Bundle (Basic+) also offers benefits for optical treatments and services. Bundles are a combination of both hospital and extras cover, and could allow you to be covered for both under a single plan.
Our Lots Extras and Some Extras plans offer you the flexibility of choosing between covers that can provide benefits of 80% or 50% back. That allows you to choose between whether or not you prefer more back from each visit, or if you frequently visit providers, spread your annual limits out across appointments.
Frank offers a range of extras covers which let you claim 100% back on optical, up to your annual limits. Annual limits are the maximum amount you can claim per calendar year for a specific treatment or service. Waiting periods may vary depending on the treatment or service you need. For our extras policies with optical cover the waiting period is six months.
Don't wait any longer to protect your eyes and your budget. Choose Frank for affordable health insurance options that cover your optical needs. With us, you'll have the confidence and peace of mind that you're always in good hands.
Get one month free* when you join on combined cover by January 15*
*For new members who have not been a member during the last 12 months, joining on combined hospital and extras cover, paying by direct debit. Must pay first month to receive one month free. Offer only available via Frank website or phone joins. Not available with any other offer or Frank OVHC. Offer ends 15 January 2025.
