Eye Test Frequency for Seniors: What You Need to Know

Our bodies undergo natural changes during ageing, and the eyes are among the body parts that experience these changes. People aged 65 and older in Australia need to protect their vision because it supports their general health and daily activities such as reading and watching television. Good vision is fundamental for maintaining independence and mobility and supporting mental health.

Medicare covers regular eye examinations, and most optometrists bulk-bill for eye examination services for eligible patients who do not need to pay upfront fees. This guide is designed to provide extensive information on the frequency, coverage, and bulk billing services for eye tests for seniors, their families, and caregivers, so that no one is left behind in the process of having good eye health.

Why Regular Eye Tests Matter After 65

At age 65, significant advancements in eye diseases like macular degeneration, cataracts, and glaucoma occur. The fact that these diseases develop gradually underscores the importance of having regular examinations since they may not show clear symptoms early on. Being aware of them early empowers you to take early steps to protect your vision and your independence.

The loss of ability to concentrate beyond blurry vision leads to falls and loss of driving ability, reducing confidence, which can lead to social withdrawal. The annual eye examination provides an opportunity to detect health issues early, which helps protect your quality of life. Without these tests, unidentified vision issues can lead to greater loss of vision and a diminished quality of life in general.

Medicare Rules for Eye Test Frequency

Standard Frequency Guidelines

Under Medicare, eye test frequency is based on your age:

• Under 65: Eligible every 3 years

• 65 and over: Eligible every 12 months

Why Frequency Changes After 65

This yearly schedule reflects the increased risk of vision problems in seniors. The government’s health policy aims to promote early detection and treatment, helping prevent avoidable blindness and supporting healthy ageing.

Eligibility Criteria for Bulk-Billed Eye Tests

Medicare Card Holders

If you hold a valid Medicare card, you can receive one comprehensive eye test yearly with no referral required. It’s as easy as booking in directly with your optometrist.

Pensioner Concession Card Holders

For those with a Pensioner Concession Card, there’s often even more support available. Many optometrists are more likely to offer bulk billing to concession card holders, reducing or removing the need to pay out of pocket.

What’s Included in a Bulk-Billed Eye Test?

A standard bulk-billed test typically covers:

• A full eye health examination

• A prescription update for glasses or contact lenses

• Screening for eye diseases such as cataracts or glaucoma

However, it's worth noting that certain extras—like designer frames or high-end lenses—are not included. Advanced tests like OCT scans may also incur a fee, so it’s best to ask your optometrist beforehand.

Do All Optometrists Offer Bulk Billing?

While bulk billing makes eye care accessible, not every optometrist offers it. It’s an optional billing method and is more common in some practices. Some may only offer it to certain patients, such as those with concession cards.

Availability can vary depending on the clinic’s policies, so it’s best to confirm beforehand whether bulk billing is offered for your appointment.

Finding Bulk-Billed Optometrists and Exploring Additional Support

How to Find a Bulk-Billing Optometrist Near You

Finding a provider that offers bulk billing can be straightforward with the right approach:

• Use the Healthdirect Service Finder – Visit healthdirect.gov.au and enter your suburb to see local optometrists that may offer bulk billing.

• Check clinic websites – Many optometrists indicate whether they bulk bill on their site. Look under “billing options” or FAQs.

• Call ahead – It’s always a good idea to phone the clinic directly and confirm whether they provide bulk-billed services, and if so, under what conditions.

Access to optometry services can be more limited for seniors living in rural or remote areas. In these cases, start with your local GP or community health centre, which often partner with travelling or visiting optometrists who provide services in more isolated communities.

Other Support Options Beyond Medicare

While Medicare covers the eye test, other expenses—like glasses, frames, or more advanced diagnostic scans—may not be included. Here are additional support options that might help:

Private Health Insurance

If you have extras cover, many private health insurance plans contribute towards the cost of frames, prescription lenses, and even contact lenses. While these policies don’t usually cover the eye test, they help lower out-of-pocket costs when updating your glasses.

It’s worth comparing providers annually to ensure you get the most suitable plan based on your eye care needs, especially if your prescription changes frequently.

State and Territory Assistance Programmes

Several Australian states and territories offer support programmes for eligible seniors and concession card holders. These may include:

• Spectacle Subsidy Schemes

• Vision support services for low vision or legally blind individuals

• Assistance with travel or appointments in regional areas

These benefits vary depending on where you live. You can find more details by checking your state government’s health or human services department.

Frequently Asked Questions (FAQs)

Can I get more than one eye test per year?
Yes, but only if it’s medically necessary. Medicare will typically cover additional tests if your optometrist finds a reason to monitor an issue more closely or if a sudden change in your vision needs follow-up.

What if I need a specialist or advanced imaging?
If your optometrist suspects a serious issue, they may refer you to an ophthalmologist or order imaging like OCT scans or visual field tests. Some of these may be bulk billed, especially if referred under Medicare, but costs must always be confirmed beforehand.

Are glasses included in a bulk-billed eye test?
No. Glasses and frames are separate from the exam itself. However, you may be eligible for discounts, government subsidies, or rebates through private insurance or state assistance schemes.

What if my optometrist doesn’t offer bulk billing?
If your optometrist doesn't offer bulk billing, you can still have your eye test, but you’ll likely need to pay upfront. You can then claim a Medicare rebate, which can be done online, at a Medicare office, or through the Medicare app. The rebate doesn’t always cover the full cost, so checking billing options before your appointment is key to avoiding unexpected expenses.

Summary: Key Takeaways for Seniors

• Seniors aged 65 and above are eligible for a Medicare-covered eye test every 12 months.

• Bulk billing helps make these tests more accessible, but not every clinic offers it—check ahead of time.

• Holding a Pensioner Concession Card often increases the likelihood of being bulk billed.

• Extras like glasses and diagnostic tests are usually not included, but other support options may apply.

• State and insurance programmes can fill the gaps, offering subsidies and assistance for additional eye care needs.

• Most importantly, early detection and routine eye exams protect your vision and independence.

Regular eye tests are about more than vision; they're a key to protecting your independence, mobility, and mental wellbeing. The earlier an issue is detected, the more options are available for managing it.

Has it been more than a year since your last eye test?

If you or a loved one is aged 65 or older, don’t wait for symptoms to appear. Book an appointment and get ahead of potential problems. Even if everything seems fine, routine checks can uncover issues before they affect your day-to-day life.