Some types of laser refractive eye surgery are covered by Medicare but most are not. Excimer laser for corneal scarring and corneal cross-linking for keratoconus is partly covered by Medicare. Lens surgery is covered by most TOP hospital cover when also covered under Medicare (usually for cataracts).
Can I Claim LASIK Laser Eye Surgery on My Private Health Insurance?
The cost of laser eye surgery is a significant amount for the average household budget. As such, many people who visit Perth Laser Vision enquire whether part of the cost can be covered by their private health insurance.
Which health funds cover laser refractive eye surgery?
The good news is that several health funds are now covering part of laser eye surgery costs. This varies with each fund but makes the benefits of this procedure more accessible to patients who wish to stop being reliant on glasses or contact lenses.
For those who hold the premium hospital and extras cover called BUPA Ultimate, BUPA will cover 100% of your LASIK or PRK laser eye surgery cost by Dr McGeorge at Perth Laser Vision.
Many of our patients have had this policy benefit. Dr McGeorge is a registered BUPA provider and accepts this payment as full cover.
BUPA also covers multifocal lens replacement surgery for cataracts and other eye surgery, if needed. Conditions apply.
From 1 July 2018, BUPA increased the waiting time for new patients who have taken out BUPA ULTIMATE to a 3 year waiting period.
HBF Ultimate Cover will pay $6,500 lifetime maximum benefit for refractive (optical) laser eye procedures including implantable contact lenses, keratoconus cross linking, LASIK eye surgery, PRK eye surgery, refractive lens exchange with multifocal or other lens implants. There is a 12 month waiting period and a lifetime limit. HBF Ultimate cover is no longer available from 1 January 2019.
HBF will honour waiting periods already served with similar policies with other funds.
HBF also covers multifocal lens replacement surgery for cataracts. Dr McGeorge provides all specialized lens surgery procedures.
Lens procedures for cataracts are covered by HBF Gold and Silver packages, Working Visa Hospital Cover and Working Visa Hospital and Medical Cover.
Medibank Ultra Health Cover will pay $3,500 (lifetime limit) towards laser eye surgery which uses laser to correct refractive vision problems by reshaping the cornea (front of the eye) in order to reduce or eliminate the need for glasses or contact lenses. This can include LASIK, LASEK and PRK treatment. Benefits are only payable where no Medicare rebate is payable. There is a 3 year waiting period and it is a lifetime limit. SMILE laser is not covered.
Top Hospital Essentials and Complete Hospital cover will provide for multifocal lens replacement surgery for cataracts. There is a twelve month waiting period.
Australian Health Management offers a contribution to costs for members who hold their Lifestyle Extras ($600 per eye per person) or Super Extras cover ($900 per eye per person).
This cover has a 2 year waiting period and a lifetime limit.
Defence Health offers rebates for laser eye surgery to those who hold Premier Extras cover. Rebates of up to $1,500 every 2 years are available.
This health fund information is correct at the time of writing. It would be wise to contact your fund personally to check your cover.
Perth Laser Vision also provides finance for laser eye surgery which would be useful if your health fund does not provide cover. For more information please call us on 9218 7666.