USING YOUR HEALTH INSURANCE & CLAIMING A REBATE.
Shade Files is a registered provider of Optical Dispensing services with all major private health funds in Australia.
If purchasing online, you will receive an itemised invoice to use for lodging a claim with your health fund. Alternatively you can use your health insurance card in-store to process your claim on the spot.
Read along if you have any further queries about using your Health Insurance for optical products with Shade Files.
ON THIS PAGE:1. What am I covered for?
2. What is my annual rebate limit?
3. How much can I claim?
4. When is my health insurance renewed?
5. How do I make a claim?
6. What Health Fund providers are covered?
1. WHAT AM I COVERED FOR?
Health insurance is traditionally described as ‘hospital and extras’ cover. These extras provide a rebate - or benefit, towards the cost of everyday non-hospital services like optical.
Whilst Medicare often covers eye tests, optical products like glasses and prescription sunglasses aren’t. However, with optical extras you are entitled to a rebate or discount on many optical products and services.
2. WHAT IS MY ANNUAL REBATE LIMIT?
Optical Extras cover is not unlimited. All policies have a maximum benefit it will pay for certain extras, like optical - which renews each year. Ranging from ‘no gap’ offers to percentage discounts, your entitlements will depend on the health fund you are insured with, in addition to your level of cover.
Levels of cover varies between insurers. For instance, basic policies will have a lower annual rebate limit compared to someone with a comprehensive policy. Whatever the limit, once reached you will need to wait until the policy reset’s before claiming again.
3. HOW MUCH CAN I CLAIM?
The limit for what and how much you can claim is dependent on your specific health insurance policy. Each policy includes an annual limit for optical, and a defined amount of how much can be claimed on each service. If you are unsure about how much you can claim, simply head into our store and speak to our team.
Until you hit your annual limit, you are entitled to claim as often as you like. On average most health funds pay around $200 per year, although they can range from as low as $100 all the way up to $500.
4. WHEN IS MY HEALTH INSURANCE RENEWED?
Most health funds renew with the calendar year, however some also work to the financial year or when you signed up for your insurance. It is important to keep note of when your health insurance renews as any unused benefit from the previous year does not roll over into the next. It is also worth mentioning that you can claim your benefit at any point throughout the year.Return to top ↑
5. HOW DO I MAKE A CLAIM?
Following the purchase of optical products at Shade Files you will receive a sales invoice which includes our Optical Dispenser Provider number. You must then pass this invoice to your selected Health Fund in order for them to refund you the eligible amount.
If purchasing optical products in-store you can use your healthcare card to make your claim on the spot!
6. WHAT HEALTH FUND PROVIDERS ARE COVERED?
Shade Files is a registered Optical Dispenser provider with all major private health funds in Australia. For a full list of these providers please see below.Return to top ↑