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NIB EXTRAS COVER – HOW TO CLAIM YOUR OPTICAL BENEFITS

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

As you may be aware the Australian Government through the scheme of Medicare will cover medical expenses, and as an example Medicare will cover an Eye Test at your Local Optometrist .

And having Private Health Insurance does provide greater choice and flexibility, as once the Eye Test is finished you can proceed to purchase a pair of prescription glasses or sunglasses and then claim the price of purchase through your Health Fund such as NIB. The amount covered will be dependent upon your level of Extras Cover you have with NIB, so you will generally receive some or a large percentage of the Optical cost back. Of the total population in Australia at present over 50% have Private Health Cover and a further 50% of those covered have chosen Extras Cover which includes an annual Optical Benefit.

NIB are one Australia’s leading Health Funds, they are also one of the fastest growing. They provide Health Insurance to over 900,000 Australians and have been doing so for over 60 years.

NIB are quite transparent with what can be claimed as part of their Optical Extras Cover which is refreshing compared to other Health Funds. NIB are fairly upfront with how much you’ll get back on Optical every time you claim. But if you are a NIB member and still a little confused, then can click on the following link below which should serve as a quick reminder of the type of Health Cover and Extras Cover you have; Please find below a table which summarises the Optical Benefits provided by Medibank Health Insurance with Extras Cover.
http://www.nib.com.au/health-insurance/compare-extras

You can also see in the diagram below a summary of the Optical Extras Cover provided by NIB Health Insurance, and this table is fairly reflective of what you can expect from NIB when you claim your Optical Allowance.

HCF
CLAIM
75%
BACK
CLAIM
60%
BACK
    Top
EXTRAS
Core
EXTRAS
Services Waiting Period ANNUAL LIMITS ANNUAL LIMITS
Ambulance 1 day No limit No limit
Dental (General) 2 mth $ 1,000 $600
Dental (Major) 12 mth $1,300 $600
Dental (Preventative) 2 mth No limit No limit
Optical 6 mth $350 $250
Physiotherapy 2 mth $600 $350

The table above is very reflective of the type of Extras Cover you have with NIB and therefore you should have a great understanding into your Optical Benefits Allowance, however we always recommend that you contact your Health Insurer to confirm your optical allowance before proceeding to purchasing prescription glasses or sunglasses.

So how can Frankie Dean make claiming my NIB Optical Allowance easy?

Are you one of the many Australians whom have Private Health Cover with Extras Cover that still has to pay a GAP amount to the Optometrist after utilising your annual Optical Allowance? It’s safe to say that you annual Optical Benefits don’t go too far when purchasing through traditional Optical retail stores.

Wouldn’t you just love to purchase Prescription Glasses and/or Prescription Sunglasses annually with No Gap or with a Small Gap to pay. This is generally unachievable, particular at the large corporate chain stores or even your local independent optometrist. But were you aware that Frankie Dean is registered with the majority of Health Funds in Australia including NIB?

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.

I’m hearing you ask how this is this possible?

Frankie Dean can customise an optical solution to maximise your annual Optical Allowance. If you are not already aware of the level of Extras Cover you have then we suggest you contact NIB and request details on your Optical Benefits Allowance. Once you have this then info then simply pass this through to the customer service team here at Frankie Dean; help@frankiedean.com.au. In your email be sure to clearly advise Frankie Dean you wish to maximise your annual Optical Allowance! Then one of our fully trained optical dispensers will contact you and tailor an optical solution that suits your needs and your budget.

How can Frankie Dean maximise my Optical Benefits allowance?

By contacting our customer service team here at Frankie Dean for a tailored optical solution to suit your Optical Allowance will definately save you time and money. Many customers whom seek this path with Frankie Dean are often quite surprised what Frankie Dean can offer in regards to prescription glasses and sunglasses, and in many instances we can provide 2 pairs of prescription glasses with NO GAP for you 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

If I purchase from Frankie Dean then how do I claim my Optical Benefits from NIB?

If you are asking this question then by now we are very hopeful you have purchase at least one brand new pair of Frankie Dean Prescription Glasses or Sunglasses, and hopefully 2 pairs! So the process from here is to submit your Optical Benefits claim.

Frankie Dean will provide you via email an itemised tax invoice upon delivery of your glasses. You will find on the invoice Frankie Dean’s unique provider number which shall be recognised by NIB when processing your claim. You will also find the invoice to be itemised with unique codes for Frame, Lenses and Coating, this provides NIB valuable information to help process your claim quickly.

Your level of Extras Cover with NIB will determine exactly how much you shall be reimbursed by NIB for your glasses purchase. However by advising Frankie Dean in advance of your Optical Allowance and proceeding to have Frankie Dean tailor an optical solution to meet your needs and budget then you should be confident of what you will receive back from NIB. Our goal is always for you to to have No Gap to pay however if you are purchasing 2 or more prescription glasses then you may have a very little gap to pay.

Processing your claim with NIB should be relatively easy and the process is handled by your Health Fund. You can claim on your mobile phone, on the spot, by post, and you can also claim online. We have provide this link to NIB which does explain in greater detail how to claim your purchase of prescription glasses;
http://www.nib.com.au/home/onlineservices/claiming/pages/claim.aspx

Here is a summary and guide to use when purchasing your next pair of prescription glasses or prescription sunglasses online;.

           
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 you found much value in this information on NIB Extras Cover and how Frankie Dean can customize an Optical Solution to suit your budget and your optical needs.

We look forward to hearing from you and discussing how Frankie Dean we can best maximise your Optical Benefits Allowance!

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

NIB Optical Benefits
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