Simple Ways Your Seniors Card Can Help You Save On Health Costs In 2019

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Getting older is something to celebrate, but most seniors find that it also comes with increased healthcare costs. That’s why it’s important to know all of the health benefits and savings your Seniors Card can offer as you age.

These savings can be difficult to locate, so our team at Health Insurance Comparison put together this guide to help you save as much as possible on your healthcare costs.

By spending a few minutes using our free health insurance comparison service, you could potentially save hundreds of dollars off your premiums – plus you could save even more when you combine your insurance with some local Senior Card offers.

Here’s How You Do It:

Step 1: Select your current life stage below.
Step 2: Once you select your preferred coverage options, you will have the opportunity to compare quotes from multiple health funds.

How can you save with your Seniors Card?

Each state and territory has its own Seniors Card scheme. Depending on your location, you can receive discounts on things like hearing aids, glasses, dental care, mobility aids, exercise classes and some pharmaceuticals.

Shops — including dentists, audiologists, medical supply stores, and pharmacies — will frequently display a ‘Seniors Card Welcome’ sticker, but not every shop will advertise their senior discounts. So the best way to get a discount with your Seniors Card is to ask. For a comprehensive list of discounts check with one of your local Seniors Card offices to receive an updated directory that has all of the deals for your area.

It’s important to note that in most cases, you can use your Seniors Card from one state in another state or territory when you’re travelling around. Depending on your level of cover, some of the products and services in this menu can be combined with your health insurance for added savings. Some health benefits and discounts that are provided by local businesses when presenting your state Seniors Card include:

Eligibility age 60
Work hour requirement <35 hours
Benefits
  • Dental – 10%-30% off dental services, including dentures from almost 100 businesses
  • Hearing aids – Free hearing checks and up to 20% off hearing aid purchases from various retailers
  • Laser Clinic – 25% off sun/age spot removal, acne scar repair, facial rejuvenation
  • Massage – 10% off any single treatment, some businesses offer 20% off on Wednesdays
  • Optical – 10% off frames and lenses from various businesses, some offer 50% off if you purchase a 2nd pair
  • Osteopathy – 10% off some osteopathic consultations and treatments
  • Physiotherapy and Exercise – Up to 40% off various exercise classes such as yoga and Pilates
  • Pharmacies – Most pharmacies offer 10% off with some exclusions such as prescriptions
  • Some of these deals can be used with your health insurance for added savings

Eligibility age 65 (or 60 if applicant holds Commonwealth Concession Card, Centrelink or DVA)
Work hour requirement <35 hours
Benefits
  • Dental – Up to 10% off most services, including dentures, from a variety of dentists
  • Hearing aids – Free hearing checks and discounts from 10% to $500 off various hearing aids
  • Massage – 10%-20% off from several businesses
  • Optical – 10%-20% off frames and lenses from various businesses
  • Psychological Care – Up to 30% off one hour sessions with your Seniors Card
  • Podiatry and Foot Care – 10%-20% off services and products
  • Some of these deals can be used with your health insurance for added savings

Eligibility age 60
Work hour requirement <20 hours
Benefits
  • Dental – 10%-20% off most services, including dentures, from a variety of businesses
  • Hearing aids – Free hearing checks and discounts from 10%-15% off various hearing aids
  • Exercise and Fitness – Up to 15% off monthly membership fees
  • Health Food – 10% off from various retailers
  • Pharmacies – Most pharmacies offer 10% off with some exclusions such as prescriptions
  • Optical – 10%-20% off frames and lenses from various businesses
  • Medical Aids – 5% off mobility systems
  • Some of these deals can be used with your health insurance for added savings

Eligibility age 61 (every 2 years, increase by 1 year until 65 by 2025)
Work hour requirement <20 hours
Benefits
  • Dental – 10%-20% off most services from a variety of businesses
  • Hearing aids – Free hearing checks and discounts up to 10% off various hearing aids
  • Optical – 10% off various goods and services from retailers
  • Physiotherapy – Up to 15% off physiotherapy, dietitian, and massage services
  • Pharmacies – Most pharmacies offer 10% off with some exclusions such as prescriptions
  • Some of these deals can be used with your health insurance for added savings

Eligibility age 60
Work hour requirement <20 hours
Benefits
  • Dental – 10% off most services, including dentures, from a variety of businesses
  • Hearing aids – Free hearing checks and discounts up to 10% off various hearing aids, some retailers offer free trial periods
  • Optical – 10%-25% off various goods and services from retailers depending on total
  • Pharmacies – Most pharmacies offer 10% off with some exclusions such as prescriptions
  • Medical Aids – 10%-20% off various services and products including CPAP machines and mobility accessories
  • Some of these deals can be used with your health insurance for added savings

Eligibility age 60
Work hour requirement <20 hours
Benefits
  • Dental – 10%-15% off most services from a variety of businesses
  • Hearing aids – Free hearing checks and discounts from 10%-15% off, some offer free trial periods
  • Pharmacies – Most pharmacies offer 10% off with some exclusions such as prescriptions
  • Optical – 10% off frames and lenses from various businesses, some offer 50% off if you purchase a 2nd pair
  • Living & Mobility Aids – Up to 10% off selected mobility aids and adapted footwear
  • Some of these deals can be used with your health insurance for added savings

Eligibility age 62 (each year, increase by 1 year until 65)
Work hour requirement <25 hours
Benefits
  • Dental – 10% off most services, including dentures, from a variety of businesses
  • Hearing aids – Free hearing checks and discounts from 10%-15% off, some offer up to $545 each hearing aid
  • Pharmacies – Most pharmacies offer 10% off with some exclusions such as prescriptions
  • Optical – Up to 25% off one pair of glasses, some companies offer 20% off with no limit (you can buy 2 or more)
  • Chiropractic – 10%-15% off all services offered by various businesses
  • Some of these deals can be used with your health insurance for added savings

Eligibility age 60
Work hour requirement None
Benefits
  • Dental – 10% off most services, including dentures, from a variety of businesses
  • Hearing aids – Free hearing checks and discounts up to 10% with a max of $500
  • Pharmacies – Most pharmacies offer 10% off with some exclusions such as prescriptions
  • Optical – 10%-25% off one pair of glasses ($149 minimum to receive 25% off)
  • Fitness – 10%-20% off various services including golf, yoga, and health clubs
  • Some of these deals can be used with your health insurance for added savings

Remember, it’s also possible to receive a health insurance rebate on some of these services depending on your level of insurance cover. So if any of these health-related savings are important to you, it’s a good idea to see what your policy covers, so you can maximise your savings.

For example, if you go to a dentist to get a filling and it costs a regular patient $100 — and as a senior, you can get a 20% discount from the dentist with your seniors card, you will pay $80 for the filling. If you have dental cover that pays back 75% of the cost, you will only pay $20 for that $100 filling.

The same applies to other extras cover as well, such as optical and hearing aids. This is why you need to stay on top of what your policy covers, and ensure the things that are most important to you are included in your policy.

Maximise your savings by comparing policies

It’s also important that you make sure you’re not paying for things you don’t need. Many seniors don’t realise that they may be paying premiums for cover they’ve never used or for dependants that have been on their own for years. Our free comparison service can help you eliminate the waste from your policy to save you even more.

Our experts will guide you through your options and help you find any potential savings. You’re free to fill out the form and speak to one of our expert advisers all at no cost to you. If at any time you feel like you would rather keep the policy you have there’s no obligation to switch and save.

That’s all; there’s absolutely no risk on your part. If you decide not to take advantage of this offer, we’ll understand. But do think it over carefully. It costs you nothing and only takes a few minutes of your time. Who knows when you’ll get an opportunity as good as this again?

Over the last year, our free comparison service has saved Aussies an average of $340.68* by comparing health funds. If this is something you may be interested in, and you want to see how much you could save simply click here or on the form below and get started.

Get Started Now:

Step 1: Select your state below.
Step 2: After answering a few questions, you will have the opportunity to compare quotes in your area and could be eligible for significant savings.

See Your Low Rates

This article is opinion only and should not be taken as medical or financial advice. Check with a financial professional before making any decisions.

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