Hearing Aid Rebates from Private Health Insurance in Australia

Hearing Aid Rebates from Private Health Insurance in Australia

It is quite difficult to get easy comparisons between health funds as there are some differences between states.
The following comparison is for Queensland.
Most health funds will take into account any previous cover you have if you transfer to a different fund - hence you may want to negotiate.

You may also have some success with asking a health fund to waive waiting periods on certain items.

Examples of extras cover (last checked Oct 17 2016 ) Costs vary per state so check via Aus Gov site -:

BUPA

Bupa

Provider

Plan

Rebate

BUPA Platinum Extras Waiting period 12 months
Annual Maximum claimable $1200 (every 3 yrs)
Max benefits: 90% of one hearing aid
BUPA Gold Extras Waiting period 12 months
Annual Maximum claimable $1000 (every 3 yrs)
Max benefits: 75% of one hearing aid


NIB

NIB

Provider

Plan

Rebate

NIB Top Cover Waiting period 36 months
Maximum claimable $1200 (2 applications every 5 yrs)
Max benefits: 75% of one hearing aid
NIB Young at Heart Waiting period 36 months
Maximum claimable $500


Medibank Private

Medibank Private

Provider

Plan

Rebate

Medibank Private Ultra Health Cover Waiting period 36 months
Maximum claimable $1200 (1 application every 5 years)
100% of charge
Medibank Private Top Extras 85 Waiting period 36 months
Maximum claimable $1200 (1 application every 5 years)
100% of charge
Medibank Private Top Extras 70 Waiting period 36 months
Maximum claimable $800 (1 application every 5 years)
100% of charge
Medibank Private Top Extras 55 Waiting period 36 months Maximum claimable $400


AHM

AHM Health Insurance

Provider

Plan

Rebate

AHM Super Extras Waiting period 12 months
Maximum claimable $1600 (every 3 years)
AHM Family Extras Waiting period 12 months
Maximum claimable $1200 (every 3 years)


HCF

HCF Health Insurance

Provider

Plan

Rebate

HCF Platinum Waiting period 24 months
Maximum claimable $800 - $1800 (1 applications every 5 years)
HCF Gold Waiting period 24 months
Maximum claimable $600 - $1600 (1 applications every 5 years)


What Qualifies a Provider

The criteria BUPA use to qualify a hearing aid provider is a useful indicator of the quality of provider you should be looking for. They need to be qualified and a member of a recognised association - but BUPA retain "absolute discretion in granting recognition".



Tax Rebates for Health Expences

The net medical expenses tax offset is being phased out. refer to ATO Medical Expences

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