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HCF EXTRAS COVER – CLAIMING YOUR ALLOWANCE

HCF

Who is HCF and what Optical Extras Cover do they offer?

The Australian Government via Medicare will in general cover medical expenses, which would include such things as an Eye Test that you would generally receive at a local Optometrist. Those that have Private Health Insurance are provided with greater choice, so in this instance once your Eye Test is complete you can proceed to purchase a pair of prescription glasses knowing that you will be rebated the majority of the cost through your Private Health Insurance (if you have Extras Cover). That is why you will find that approx 50-55% of Australians have Private Health Insuranceand again a further 50-55% of those Australians will have Extras Cover that includes an annual allowance for Optical.

HCF is the largest “not for profit” health fund in Australia, and HCF have consistently been rated as an industry leader for offering outstanding value in health insurance to its members.

HCF provides their members with several options for Extras Cover which includes an annual Optical Benefits Allowance. The following link provides further details of HCF Extras Cover;
http://www.hcf.com.au/healthinsurance/segment-products/singles-and-couples-30-65/

Here is a small snapshot of the Optical Benefits provided by HCF Health Insurance with Extras Cover.

Hospital & Extras

Hospital Advanced Savings & General Extras Plus

For healthy singles and couples under 65, wanting basic hospital and extra cover.

 
Hospital highlights
Extra highlights

2 free dental checkups per year at an HCF dental centre or More for teeth program dentist.

Over $800 per year for essential dental including check-ups, x-rays and wisdom tooth removal

Up to $180 per year for Optical

Up to $500 for essential therapies including physio, remedial massage, chiro and more...



 
+ View full product details including benefits, waiting periods, restrictions & exclusions.[PDF]
Hospital & Extras

Fit & Free




One of the best value product in its category. Compare with similar products in the market.

 
Hospital highlights
Extra highlights

2 free dental checkups per year at an HCF dental centre or More for teeth program dentist.

Over $2000 per year for extensive dental including check-ups, x-days, windom tooth removal, root canal, crowns and bridges and more...

Up to $180 per year for Optical

Up to $1,200 per year for an extensive range of therapies including physio, remedial massage, chiro, podiatry and more...

 
+ View full product details including benefits, waiting periods, restrictions & exclusions.[PDF]
Hospital & Extras

Top Plus & Multicover




For singles and couples wanting top hospital ( or planning children) and more comprehensive extras.

 
Hospital highlights
Extra highlights

2 free dental checkups per year at an HCF dental centre or More for teeth program dentist.

Over $2,400 per year for extensive dental including check-ups, x-rays, wisdom tooth removal, root canal, crowns and bridges and dentures

Up to $220 per year for Optical

Over$2,500 per year for an extensive range of therapies including physio, remedial massage, chiro, podiatry and more...

 
+ View full product details including benefits, waiting periods, restrictions & exclusions.[PDF]

Hopefully you may recognise the type of Extras Cover you have from the table above, if not then the link provided to HCF website will provide you greater understanding and provide you a good insight into your Optical Benefits Allowance with HCF.

Can Frankie Dean make claiming my HCF Optical Allowance easy?

We anticipate you are you one of just the many Australians that have Private Health Cover with Extras whom would like to purchase Prescription Glasses / Sunglasses on an annual basis with No Gap or very little Gap to pay? As you would know the level of Extras Cover you have probably see you with out of pocket expenses at your traditional Optometrist that you would prefer to avoid.

Frankie Dean is registered with the majority of Australia’s Health Funds including HCF. Actually if you visit the HCF website you will find Frankie Dean as a listed online provider, https://www.hcf.com.au/HCFMemSec/UserManagement/MemberLogin.aspx?source=findopticalprovider

Most members will have the majority if not all their costs of Frankie Dean prescription glasses and sunglasses covered through their Extras Cover due to our relatively low costs compared to traditional means.

Frankie Dean can also assist tomaximise your Optical Benefits Allowance, we are more than happy to tailor an optical solution to suit your needs and budget. All you need to do is contact HCF and understand what your Optical Benefits Allowance is, then forward this information to Frankie Dean; help@frankiedean.com.au. Please advise in the email that you would like to maximise your Optical Allowance with Frankie Dean and we will have one of our fully qualified Optical Dispensers work with you to customise an optical package that meets your needs and your budget.

This method will SAVE you TIME and MONEY! We have no doubt that when contacting Frankie Dean for a customised solution to suit your Optical Benefits Allowance we will save time and money. Every single customer whom proceeds with this option are quite often surprised what can be achieved with Frankie Dean, in many instances we can even provide 2 pairs of prescription glasses with no gap to pay and up to 3 pairs of prescription glasses with little 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

How to Claim Optical Benefits from HCF?

By this point we hope that you have been in contact with Frankie Dean and have purchased a brand new pair of Prescription Glasses or Prescription Sunglasses (or 2 or 3!) and now wish to proceed with you Optical Benefits claim.

Upon shipment of your prescription glasses from Frankie Dean you will be provided an itemised tax invoice. The invoice shall contain Frankie Dean’s unique provider number which will be recognised by HCF. You can expect to see on the invoice several categories such as “Frame”, “Lenses” and “Coating” with each category accompanied by a unique code. This will allow you to claim to process you claim with HCF without any problems.

Please note that your level of Extras Cover will determine how much you can claim on your Optical purchase. If you have already gone through the process with Frankie Dean where we have tailored a prescription glasses solution to meet your Optical Benefits Allowance then you definately be aware upfront of what you can expect back from HCF or your health Fund, hopefully it willbe the entire cost of purchase but if not then you will have very little to pay.

Claiming with HCF is super easy and is managed by your Health Fund, which is slightly different than what you may be accustomed to at your local Optometrist. If you are an HCF member then you can claim through the members online portal;
https://www.hcf.com.au/HCFMemsec/UserManagement/MemberLogin.aspx
however you can also claim in person or post using this form;
http://www.hcf.com.au/pdf/claimform.pdf

Can you summarise the Online Purchase Process using my Optical Benefits Allowance?

We sure can. Please see below a simple flow diagram or step-by-step guide to assist you with your next purchase of Frankie Dean Prescription Glasses;

           
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
           

Hopefully you (and your friends and family!) have found this information on how to maximise your Optical Extras Cover very insightful, and so we look forward to talking to you soon about how we can best provide an optical solution to suit your needs and budget!

1800 752 919 or help@frankiedean.com.au

HCF Optical Benefits
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