Rebates for Hearing Aids

Hearing Aid Rebates & Insurance

As independent Perth owned and operated hearing clinics we are registered with almost all Australian health insurance companies. So we will provide you with a receipt that contains the necessary codes to also claim any refunds on your hearing aid purchase you may be entitled to. Some companies such as Bupa Health Insurance require that we send your hearing test results together with details of your hearing aid purchase and the claiming codes and we happily facilitate this.

Private Health Insurance funds we are registered with include:

HBP, Bupa, Medibank Private, RAC, Australian Unity, Teachers Health Fund, Police and Nurses, NIB, Defence Health, AHM and more.

You may be eligible for a rebate for your hearing aids, Audiology consultations, batteries and accessories from: – WorkCover
– Tax offset
– Commonwealth Hearing Services Program – Pensioners & Veterans
– Entitlements & Rebates

The private health benefits below should be used as a guide only. Funds may impose additional restrictions and limitations. We strongly recommend that you first confirm your individual benefit with your fund.

Medibank Private Health Insurance

PlanHearing Aid RebateQualifyingReplacement
Family Cover$1,6003 years5 years
Top Extras$400

Bupa Health Insurance

PlanHearing Aid RebatePeriod
Platinum Extrasup to $1,200Every 3 years
Gold Extrasup to $1,000
Silver Extrasup to $800

NIB Health Insurance

PlanHearing Aid RebatePeriod
Top Coverup to $800 (or 75%)Every 5 years
Family Plusup to $400
Extras Onlyup to $400

Australian Unity Health Insurance

PlanHearing Aid RebatePeriod
Starter 60% (with Health Boost)up to $300Every 3 years
Comprehensive Extrasup to $550
Platinum 80%up to $600

Hearing Solutions

What hearing aid insurance is available to me?Expand

Hearing Aids are a valuable investment both financial and in communication ability. Being small and positioned on active ears they can and do get dislodged on occasion and go missing. Yikes! Yes it’s the bug bear of hearing aid wearers, the fear and anxiety of having such valuable devices getting lost or squashed if they inadvertently fall off. When purchased through a reputable hearing clinic in Australia you will receive at least a 3 year warranty, but this only covers repairs for breakdowns and manufacturer defects. This can be extended to 4 or 5 years but may entail additional costs. As an experienced Audiologist I am routinely asked “Can I insure my hearing aids?” The answer is Yes!12 Months of Comprehensive Hearing Aid Insurance includedExpand

Rest Assured! Unlike most online hearing aid providers and big box stores we include a full year of comprehensive hearing aid insurance with any hearing aids we fit and sell. This is critical for first time users who are still learning to put them on correctly and establish careful management practices. There is a $500 excess per device if they need replacement with brand new ones but at least you are only having to pay a smaller portion of the original purchase price.What are the conditions of claiming this first year of insurance?Expand – You are only allowed to claim once per hearing aid in this 12 month period
– You are required to sign a statutory declaration and have it witnessed.
– You need to provide proof of purchase. It should be easy to obtain another copy of your invoice/receipt from the providing clinic.
– Be an Australian resident.
– You cannot claim hearing aids that are on trial. (i.e. you have not purchased them yet) Beyond 12 Months of CoverExpand

Although you receive a year of cover with us, it is also a good idea to insure them with your private health fund. However you must make a point of having them listed as a portable item and have them email or mail you written confirmation that they are listed and to what value they are covered for.

During any appointment we can discuss the best options of hearing aid insurance so you can wear your hearing aids with confidence in all those environments where they’ll benefit you most.Hearing Aids Under House & Contents InsuranceExpand

Hearing Aids placed under basic house and contents are only protected against damage or loss due to fire, flood, theft and below a certain value. You will need to upgrade your level of contents insurance to actually cover accidental loss or damage. In doing so ensure your receive written confirmation that your hearing aids are listed as insured Items. Standard

To insure against loss occurring outside the home you will need to specify the hearing aids are portable content. There will be an excess up to $300. Some insurers allow this portability for continuous number of days and cover you even when you are outside Australia. Therefore you don’t have to double up and have them covered under your travel insurance.

In my 15 + years working as an Audiologist I have seen people lose and damage their hearing aids beyond repair (DBR) in numerous and novel ways including: – Thrown out in the trash whilst wrapped in tissues when taken off.
– Eaten by pet dogs and the odd cat playing with it like a mouse. Apparently dogs like the taste of ear wax.
– Accidentally flushed down toilets.
-Lost in the garden, even mowed over.
– Lately when removing face masks being flicked off by the elastics.
– hearing aids left in pockets of clothing put through the washing machine. Upgrade your Home Contents Policy to Cover Hearing AidsExpand

To ensure your hearing aids are insured along with other valuable home contents you will need to allocate them as specified contents. This will enable you to list them for a nominated amount.

You also have to include them under portable contents, which can also be called personal valuables cover. By dong this you ensure you are covered for loss, damage or theft outside the home. Always check the fine print as every insurance company is different.

You also need to make sure they are covered for accidental loss or damage as this is usually an extra add on and can be limited to Premium policies. Finally it is also possible to have them covered new for old replacement of original purchase value. For example if your hearing aids were over 3 years old when lost they could be replaced with new generation devices of equivalent value which can further improve your hearing ability.

To summarise here are the main actions to ensuring your hearing aids are insured:

  1. Allocate them as specified contents (itemised with specified dollar amount)
  2. Ensure listed as portable Items.
  3. Ensure covered for accidental loss or damage.
  4. Cover new for old of equivalent to original purchase value.

Discounts For Seniors

If you hold a Seniors Card, we are delighted to offer you further discounts on the latest hearing aids. If you hold both a Pension Card and a Seniors Card, you could combine the discounts for an even better price.

Income Tax Hearing Aid Rebates

If you earn an income and pay income tax, you will be able to claim a tax offset for out of pocket costs. These are for expenses other than subsidies, government reimbursements and insurance fund benefits. The tax offsets are means tested for higher income thresholds.

However people below the threshold are able to claim a reimbursement of 20% for net medical expenses exceeding $2,120 when they lodge their tax return.

Who will be affected by Means Testing?

  • Individuals with a taxable income of $84,000 or greater for singles
  • Couples or families with a combined taxable incomes over $168,000.

What Records do I need to Keep?

  • Keep the details of the medical expenses you wish to claim
  • Also the details of the refunds you received or are entitled to receive from Medicare or private health insurance.

For more information on the Medical Expense Tax Offset please see:

Medical Expense Tax Offset

The ATO recently changed the rules relating to the Medical Expense Tax Offset. The offset is now means tested and being phased out in the next few years. For more detail, please see ATO website

A Seniors Card Discount On Hearing Aids

At Harmony Hearing we also offer a seniors card discount on hearing aids. Typically it is $200 off each device i.e. $400 for a pair. This discount is for self funded retirees only as eligible pensioners and veterans receive a contribution through the Commonwealth Hearing Services Program (HSP).

seniors-card1
Sensors Card hearing aid discount