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HBF EXTRAS COVER – OPTICAL BENEFITS and HOW TO CLAIM

Who is HBF and what type of Optical Extras Cover do they offer?

The Australian Government via Medicare will cover general medical expenses, and as such Medicare will cover an Eye Test performed by an Optometrist.

When you have Private Health Insurance you are provided greater choice and flexibility, and using the example above once the Eye Test is finished you can then proceed to purchase a pair of prescription glasses and then claim the cost of the purchase through your Health Insurance such as with HBF. As with all Health Insurance policies the amount covered is dependent upon your level of Extras Cover, so you will generally receive some or a certain percentage of the purchase price back. Presently over 50% of Australians have Private Health Cover and of those a further 50% have selected Extras Cover which would include an annual Optical Allowance.

HBF are Western Australia’s largest and trusted Health Insurance provider. HBF currently have over 900,000 members they look after daily.

HBF offer their members several options when it comes to Optical Extras Cover which includes an Optical Allowance each year. HBF are fairly up front on how much you get back on Optical every time you claim. However if you are a HBF member and still a little confused, then we recommend you click on the following link to find out more details on Health Cover and Extras Cover you have;
http://www.hbf.com.au/health-insurance/products/essentials

We have attempted to make life a little easier for you, so in the table below you will find a summary of the Optical Extras Cover provided by HBF Health Insurance, however please note this table is only a guide as to what you can expect should expect from HBF when you claim your Optical Allowance based on Optical Frames with Single Vision Lens.

SERVICES WAITING PERIOD Dental Saver Essentials Saver Essentials Standard Easy 8 Extra Essentials Premium Essentials
Optical - glasses4 2 months   If Selected
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HBF Essential Standard Frames & single vision lenses, BENEFITS UP TO $90 Easy 8 Frames & single vision lenses, BENEFITS UP TO 100% back Up to $300 maximum for optical Extra Essentials Frames & Single vision lenses, BENEFITS UP TO $120 Premium Essentails Frames & Single  Vision lenses, BENEFITS UP TO $130

The table above should only be used as a guide of the type of Extras Cover you have with HBF but it should provide you a greater understanding into your Optical Benefits Allowance if you were not already aware of what you can claim. However we definitely recommend you contact HBF to confirm your Extras Cover and Annual Optical Benefits before proceeding to purchasing prescription glasses or prescription sunglasses.

How can Frankie Dean help make maximise my claim with HBF Optical Allowance and take the pain out of the process for me?

Claiming Optical Extras can be difficult, most people swipe their card at an Optometrist and told then what they can claim. This would place you in the category of one of the many Australians whom have Extras Cover that still has a GAP amount to pay to the Optometrist after utilising your annual Optical Allowance. We think it’s fair to say that you Optical Benefits don’t stretch too far when purchasing through traditional Optometry retail stores.

So we ask, wouldn’t you be thrilled to purchase Prescription Glasses or Prescription Sunglasses annually with NO GAP or with a very little GAP to pay. Through traditional retail means this can unachievable for HBF members, in particular at the large corporate chain stores or even at your local optometrist. However were you aware that Frankie Dean is registered with the majority of Health Funds in Australia including HBF? We can even be found on the HBF website;

http://www.hbf.com.au/health-insurance/find-a-provider/online-optical-providers

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With Frankie Dean most Health Fund members with Optical Extras Cover will have the majority if not all their costs of Frankie Dean prescription glasses and prescription sunglasses covered.

How is this possible?

Frankie Dean is in the unique position where we can customise an optical solution to maximise your annual Optical Allowance. If you are not aware the level of Extras Cover you have then we suggest contacting HBF and request information on your Optical Benefits Allowance. Then all you need to do is simply forward this through to the customer service team here at Frankie Dean; help@frankiedean.com.au. Please clearly state in your email to Frankie Dean you wish to maximise your Optical Allowance! We shall then assign one of our fully trained optical dispensers the job of contacting you and customising an optical solution to suit your needs and your budget.

How do Frankie Dean intend to maximise my Optical Benefits allowance?

When in discussions with our customer service team at Frankie Dean our aim is to tailor an optical solution to suit your Optical Allowance and we’re 100% positive we will save you time and money. When our customers choose to seek this path with Frankie Dean they are quite often surprised what we can offer in regards to prescription glasses and prescription sunglasses, and in many instances we are able to provide 2 pairs of prescription glasses with NO GAP to pay.

Glasses with Single Vision Lens $99. 2 x Pair of Glasses with Single Vision Lens $179 Glasses with High Index Lens $149 - $179. Polarised Sunglasses with Prescription Lens $199 Sunglasses in Tint or Tint or Polarised Lens $119. Polarised Sunglasses with Prescription Lens $199

So if I purchase from Frankie Dean then what is the process to claim my Optical Benefits with HBF?

By this stage of proceedings we hope you have purchase at least one brand new pair of Prescription Glasses or Prescription Sunglasses from Frankie Dean, and maybe even 2 pairs! The the process from here is to submit your claim with HBF.

Upon delivery of your glasses you will be provided via email an itemised tax invoice. Appearing on the invoice will be Frankie Dean’s unique health provider number which shall be recognised by HBF when making your claim. The invoice will be itemised with codes for Frame, Lens and Lens Coating, this will provide HBF the information required to process your claim.

As mentioned the level of Optical Cover with HBF will determine the amount you shall be reimbursed for your prescription glasses purchase. However if you have advised Frankie Dean in advance of your Optical Allowance and proceeded to have Frankie Dean tailor an optical solution to meet your budget then you should be quite aware of what to expect back from HBF.

At Frankie Dean our aim is to see all our customers have No Gap to pay on a single purchase however if you are purchasing 2 or more prescription glasses then you may be required to pay a small gap depending on your level of cover, hopefully if you have Premium Cover you’ll get 2 pairs covered without problem.

If you have purchased with Frankie Dean then processing your claim with HBF should go relatively smoothly. You can claim on your on the spot at a branch, by post, and you can claim online. Here is a link to HBF website that explains the process in greater detail how your purchase of prescription glasses can be claimed;
http://www.hbf.com.au/members/make-a-claim/how-to-claim

We provide you the following guide to use when next purchasing a pair of prescription glasses or prescription sunglasses online with Frankie Dean;

           
Know your optical benefits cover in advance Contact frankiedean for help request a customized optical solution to suit your needs.png Frankiedean will save you time + money Frankiedean customer service team will process the order on your behalf Claim your optical benefits with your health fund
           

We hope that we have provided you some valuable insights how Frankie Dean can customize an Optical Solution to suit your budget and your optical needs utilising your Health Fund benefits!

Free Call 1800 752 919 or help@frankiedean.com.au

HBF Optical Benefits
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