What cheap health insurance plan will cover me for optical expenses?

How important is optical cover?

If you’ve had glasses you will know how important they can be. As a child, you may have relied on them to read, if you are older, you probably never go anywhere without your glasses.

One thing you probably know, whether you have had glasses all your life, or just as you get older, is that they can be expensive to replace. And it’s not just the frames that can be costly. If your eyes deteriorate as you get older, replacing the lenses as they do can put a big chunk in your budget. That is where we come in.

* The price shown is per week and applies to a {LIFESTAGE} living in VIC. It excludes LHC loading and includes a Base Tier Government Rebate

Like the bespectacled Clark Kent himself flying in to save the day, having cheap health insurance options for optical cover can get you out of a lot of tricky situations. And while we don’t promise to be able to help you leap tall buildings in a single bound, we can arrange cheap health insurance options for optical cover for you almost faster than a speeding bullet. And health funds have been coming to the rescue of a lot of glasses-wearing Australians. In the last bit of 2016, health funds like us paid out more in claims for optical cover than we did for all but one other extras treatment, about $233 million in total.

How does optical cover work?

In Australia, there are two main kinds of health insurance – hospital and extras. Hospital insurance could cover you when you need to be admitted for treatment to a private hospital, or a public hospital as a private patient. Some policies could cover you for things like eye surgery. If you choose to have the surgery in a private hospital, you won’t need to worry about public hospital elective surgery waiting lists and might also be able to choose the specialist or surgeon you want. Extras cover could provide benefits for treatments and services such as those you find in cheap health insurance options for optical cover. Extras treatments are those you usually don’t go to hospital for.

As well as optical, extras treatments could include dental, chiro, physio and even things like alternative therapies, travel vaccinations and ambulance cover. The other big thing about all these kinds of treatments is they are usually not covered by Medicare. So, without cheap health insurance options for optical cover, you may have to pay full price. That can sap your budget quicker than kryptonite could sap Superman’s strength. The good news is that eye check consultations are usually covered by Medicare, so that’s one less thing to worry about. After that, we are here to save the day. Cheap health insurance options for optical cover are an example of where health insurance works alongside Medicare. While your eye check could be covered by Medicare, your frames and lenses, including contact lenses, probably won’t be. Cheap health insurance options for optical cover could provide benefits for prescription glasses, prescriptions sunnies 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?

Offering affordable, flexible and simple plans can be important when choosing cheap health insurance options for optical cover. When it comes to glasses, lenses and contact lenses, you never really know when you will need upgrades or replacements. And if you don’t have glasses, having cheap health insurance options for optical cover can give you the assurance that if one day you do, we could have your back.

Frank have many cheap health insurance options for optical cover – Simple Extras, Some Extras, Lots Extras, Everyday Extras and More Extras. Our Essentials Bundle 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 a cap on how much you can claim per calendar year for a treatment or a service. Waiting periods can vary depending on the treatment or service. The waiting period for our cheap health insurance options for optical cover is six months.

Get 6 weeks free* plus skip 2 & 6 month waits on extras when joining on combined cover by July 14

*For new members joining direct via web or call center on combined hospital and extras cover. 12 month waits, annual and sub limits apply. Extras claims made with a previous fund are included in your annual limit. Must not have been a member within last 12 months. Must pay first month to receive six weeks free. Not available on Frank OVHC or in conjunction with any other offer. Ends 14 July 2022