Eligibility for the Commonwealth Seniors Health Card (CSHC) explained
There is a common misconception that retirees need a Pensioner Concession Card to be eligible for discounted health care costs. Many people proclaim that they “just want to get a little age pension, so I can get the concession card”. Well fear not, my self-funded retiree, the Commonwealth Seniors Health Card is here to save the day.
What are the benefits
This little red card entitles the holder to cheaper healthcare and some discounts. The main benefits are:
Cheaper prescription medication
Bulk-billed doctor visits. Under the discretion of the practice.
Access to a lower Medicare Safety Net.
Additional concessions from state and local governments.
Are you eligible?
The short answer is if you are retired, age pension age and you don’t receive government benefits then you probably are eligible. There is an income test, but it is very generous. The amount of income you need to earn before losing eligibility is significant.
The critical eligibility criteria are:
• You have reached age pension age, which is currently set at 67.
• Live in Australia.
• Not qualify for the age pension or DVA pension.
• Be under the income test threshold.
How can we help?
Use our online calculator to check eligibility or book an appointment with a specialist to get help with your application.