Private Health Insurance Rebates

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AHM
Medibank
Bupa
NIB
Australian Unity
HCF
GMHBA
Defence Health
Latrobe Health Services
CBHS
Teacher Health
HBF

Health Fund rebate for Hearing Aids and Audiology Services

Navigating the financial aspects of audiology care and acquiring hearing aids can be challenging, but private health insurance can provide substantial relief. Private Health Funds often extend rebates for audiology services or hearing aids, making audiology care more accessible.

As a Medicare recognized provider, we have partnered with various insurance funders to simplify your healthcare journey. These partnerships help in easing the process of claiming insurance rebates for expenses related to hearing assessments, as well as the purchase and maintenance of hearing aids, providing significant financial support for individuals experiencing hearing loss. We also offer the convenience of HICAPS to our patients, allowing for hassle-free claims processing at our clinic post your session.

Below, we present a detailed list of private health funds and the contributions they provide towards audiology services and hearing aids, aimed at helping you make informed decisions regarding your hearing healthcare journey.

Hearing Aid Rebates and Private Health Extras for Hearing Aids – FAQs

Electronic Claiming for Audiology Services Now Available Through HICAPS

Ear and Hearing Australia is excited to announce that, following our continuous advocacy for members, HICAPS, in collaboration with several participating health funds, will now offer electronic claiming for audiology services.

 

AHM Insurance

Audiology & Hearing aid rebates
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Health Fund CoverAudiology ConsultHearing AidsOther BenefitsWaiting PeriodFrequency
Super ExtrasIni-$32 Sub-$25 (up to $450/yr)Up to $1,600 Repairs $50/yrAud-nil, HA-12 Months3 Years
Vital ExtrasUp to $1,200Repairs $35/yr12 Months3 Years
Lifestyle/Black 50,60,70,70+ Extras

Medibank Private Health Insurance

Audiology & Hearing aid rebates
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Health Fund CoverAudiology ConsultHearing AidsOther BenefitsWaiting PeriodFrequency
Top Extras (90%)Up to $1,200Not specified36 Months5 Years
Vital Extras (75%)Up to $800Not specified36 Months5 Years
Multicover Extras (60%)Up to $400Not specified36 Months5 Years
Growing/Basic Extras

Bupa Insurance

Audiology & Hearing aid rebates
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Health Fund CoverHearing AidsWaiting PeriodFrequency
Ultimate100% up to $85012 Months3 Years
Top Extras 9090% up to $85012 Months3 Years
Top Extras 7575% up to $80012 Months3 Years
Top Extras 6060% up to $50012 Months3 Years

NIB

Audiology & Hearing aid rebates
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Health Fund CoverAudiology ConsultHearing AidsOther BenefitsWaiting PeriodFrequency
Core and Wellbeing ExtrasUp to $250Not specified12 Months3 Years

Australian Unity Health Insurance

Audiology & Hearing aid rebates
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Health Fund CoverAudiology ConsultHearing AidsOther BenefitsWaiting PeriodFrequency
Classic/ Comprehensive ExtrasUp to $550Not specified12 Months3 Years
Advanced 80 Extras80% consult up to $600Up to $600Not specified12 Months3 Years

 Benefits are paid towards Audiology consultations under Advanced 80 Extras at 80% up to $600 (combined with some other services).

HCF

Audiology & Hearing aid rebates
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Health Fund CoverAudiology ConsultHearing AidsOther BenefitsWaiting PeriodFrequency
Top Extras$70Up to $1,800Benefit depends12 Months3 Years
Vital Extras$60Up to $1,600On length of12 Months3 Years

Benefits are paid towards Audiology consultations:

  • Top Extras: $70
  • Vital Extras: $60

GMHBA Health Insurance

Audiology & Hearing aid rebates
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Health Fund CoverAudiology ConsultHearing AidsOther BenefitsWaiting PeriodFrequency
Top Extras 75% Back in BenefitsUp to $500/yr75% up to $1500Not specified12 Months3 Years
Mid Extras Fixed BenefitIni- $30, Sub- $27 (up to $400/yr)Up to $1200Not specified12 Months3 Years

Benefits are paid towards Audiology consultations:

  • Top Extras Fixed Benefit: Initial Consult $40.00; Subsequent Consult $30.00; $500 annual consultation limit.
  • Mid Extras Fixed Benefit: Initial Consult $30.00; Subsequent Consult $25.00; $400 annual consultation limit.

Defence Health Fund

Audiology & Hearing aid rebates
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Health Fund CoverAudiology ConsultHearing AidsOther BenefitsWaiting PeriodFrequency
Premier ExtrasIni- $82, Sub- $62Up to $1,500$100 repairs12 Months3 Years
Value ExtrasIni- $69, Sub- $47Up to $1,000$100 repairs12 Months3 Years
EssentialNANANANANA

Latrobe Health Services

Audiology & Hearing aid rebates
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Health Fund CoverAudiology ConsultHearing AidsOther BenefitsWaiting PeriodFrequency
Premier$65Up to $1,000inc in device limit12 Months5 Years
Premier single couplesIni- $40 to $400/p; $800/membership65% up to $500inc in device limit12 Months2 Years
Premier familiesIni- $40 to $425/p; $1275/membership65% up to $500inc in device limit12 Months2 Years
Core completeIni- $25 to $300/p; $600/membership70% up to $500inc in device limit12 Months5 Years

CBHS Health Fund

Audiology & Hearing aid rebates
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Health Fund CoverAudiology ConsultHearing AidsOther BenefitsWaiting PeriodFrequency
Top Extras70% up to $60 ($360/yr)Up to $1,600Not specified12 Months3 Years

Teachers Health

Audiology & Hearing aid rebates
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Health Fund CoverAudiology ConsultHearing AidsOther BenefitsWaiting PeriodFrequency
Top Extras$45Up to $1,800Based on membership12 Months3 Years

Benefits are paid towards Audiology consultations:

  • Top Extras: $45 per consultation (no limit).

HBF

Audiology & Hearing aid rebates
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Health Fund CoverAudiology ConsultHearing AidsOther BenefitsWaiting PeriodFrequency
Top100% up to $700/yrBenefit depends on membership length12 Months3 Years
Flexi100% up to $600/yrBenefit depends on membership length12 Months3 Years

Private Health Insurance Extra & Rebates FAQs

How can I compare the hearing aid rebates offered by different major health funds?

Our website provides a detailed table listing the hearing aid rebates offered by major Australian health funds. You can also contact the health funds directly or use comparison websites to compare the rebates and find a policy that meets your needs.

Do all levels of Private Health extras cover provide the same hearing aid rebate?

No, higher levels of extras cover may provide higher rebates for hearing aids. It’s essential to review the policy details or contact your health fund to understand the exact hearing aid rebate associated with your level of coverage.

Are all types of hearing aids covered under the Private Health Extras?

The coverage for different types of hearing aids may vary among health funds. It’s advisable to check with your health fund to understand the coverage for various hearing aid models and brands.

Can I use HICAPS for on-the-spot claiming of my hearing aid rebate?

Yes, some audiology clinics and health funds support HICAPS for on-the-spot claiming. However, it’s advisable to confirm with both your health fund and the clinic beforehand to ensure a seamless claiming process.

What other audiology services are covered under Private Health extras?

Apart from hearing aid rebates, Private Health extras may cover other audiology services such as hearing assessments, fittings, and maintenance. The extent of coverage may vary among different funds like Bupa, Medibank Private, HCF, and NIB.

How often can I claim a hearing aid rebate from my Private Health Fund?

The frequency at which you can claim a hearing aid rebate varies among different health funds. Some may allow annual claims while others might have longer intervals. It’s essential to review your policy details or get in touch with your health fund for precise information.

Are there any waiting periods before I can claim a hearing aid rebate from my Private Health Fund?

Yes, most health funds have waiting periods before you can claim for hearing aids. The length of the waiting period can vary among funds. It’s advisable to check the policy details of your specific fund or contact them directly for accurate information.

Can I switch to a different health fund to get a better hearing aid rebate?

Yes, you can switch health funds. However, it’s important to compare the overall coverage, waiting periods, and premiums before making a switch. Ensure the new fund provides a better rebate for audiology services and hearing aids to meet your specific needs.

How do I find out the exact amount I can claim for a hearing aid rebate?

It’s advisable to contact your health fund directly or check your policy details to understand the exact amount you can claim for a hearing aid rebate. You can also refer to the tables on our website for an overview of the rebates offered by major health funds.

Does Medicare cover any costs associated with hearing aids?

While Ear and Hearing Australia is a Medicare-recognized provider, Medicare typically does not cover the full cost of hearing aids. However, private health insurance extras cover can provide substantial rebates.

Is there a difference in hearing aid rebates among different health funds?

Yes, there’s a variance in the amount of hearing aid rebates provided by different health funds. Our website provides a comprehensive table listing the rebates provided by various major health funds in Australia for each audiology service and hearing aids.

How do I claim a hearing aid rebate from my health fund?

Claims can often be processed directly at the audiology clinic via HICAPS, or you may need to submit a claim online or via post to your health fund. It’s advisable to check with your health fund for the specific claiming process.

Which major health funds provide rebates for hearing aids?

Most major health funds in Australia such as Bupa, Medibank Private, HCF, and NIB offer rebates for hearing aids under their extras cover. The amount of rebate varies between different funds and policy levels.

What are the benefits of using private health extras for hearing aids?

Private health extras cover can provide substantial rebates for audiology services and hearing aids. This coverage can lower the out-of-pocket expenses, making hearing care more affordable.