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

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.

Up to 12 weeks free plus skip 2 & 6 month waits on extras*. Get 6 weeks free after your first month, and a further 6 weeks free after 12 months when you join by July 15 and maintain combined cover.

*For new members joining on combined hospital and extras cover, paying by direct debit. Must not have been a Frank member in the last 12 months. Must pay first month’s premium to receive initial 6 weeks free. Must maintain combined hospital and extras cover continuously and be financial for 12 months from the cover start date to be eligible to receive further 6 weeks free. No other discount will be applied in second year of membership. Other waits (including hospital waits), annual limits and sub limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via Frank health insurance website or phone. Not available with any other offer. Ends 15 July 2024.