Both medicare and private health insurance can cover grommets, but costs can vary.
Who is this cover for?
No contact details required
Compare 40+ funds
Same price as going direct
Back
Close
I'm Tim, your insurance expert.
Here to help you find the right cover for you!
Step 1/2 - About your cover
Which state do you live in?
QLD
NSW
ACT
VIC
TAS
SA
WA
NT
What's your age?
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated December 2024, in line with Finder's database of health insurance policies. Prices reflect the cheapest available for a single individual with less than $97,000 income and living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Create a Finder account to get an email copy of your results (optional)
Enter your email address
By entering your email address, you agree to create a Finder account subject to our Privacy & Cookies Policy and Terms of Service. We will send you an email to setup your password.
Why compare with us
You'll pay the same price as going direct - we don't
charge fees
We don't ask for your phone number to see prices
Hang tight - we're fetching policies just for you!
Grommets are small tubes inserted into the eardrum to drain fluid or improve hearing.
In Australia, grommets are typically inserted as a day surgery under general anesthesia.
Grommets can be covered by both Medicare or private health insurance, depending on your circumstances.
Does health insurance or Medicare cover grommets?
Both private health insurance and Medicare cover grommets, but your out-of-pocket costs will vary. Also, Medicare generally won't cover the whole cost.
You can get cover for grommets with a bronze policy, which usually costs around or just under $20 a week. It should be covered under tonsils, adenoids and grommets and generally comes with a 2-month waiting period. However, if you've been on a family policy that included you as a child, it's likely you've already served the waiting period so you can get seen quickly.
Your health provider should be able to confirm how much they'll cover prior to grommet surgery, so you'll know what the out-of-pocket expenses will be. Depending on your excess, provider and doctor, you could be looking at around $200 to $700 for out-of-pocket expenses.
The MBS fee for grommets is currently at $238.80 per ear though the average cost for the procedure is closer to $2,000. That's because doctors don't need to stick to the MBS fee, and there are also consultation, anaesthetist, nurse and hospital fees to consider as well. It's also likely to be more expensive if your child needs grommets in both ears.
Finder survey: How many Australians have made a hospital claim related to tonsils, adenoids or grommets?
Response
Female
Male
Tonsils, adenoids and grommets
2.68%
1.04%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023
Compare private health insurance for grommets
All prices are based on a single individual with less than $97,000 income and living in Sydney.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
You'll pay the same price as going direct - we don't
charge fees
We don't ask for your phone number to see prices
Hang tight - we're fetching policies just for you!
Comparing quotes from 40+ funds...
When might you need grommets in your ears?
There are a few reasons you might need grommets. These include:
If you have multiple ear infections
Multiple ear infections can often lead to your child's ear looking red and swollen. This is because, as a result of infection, the tube in the ear has difficulty getting air into it, leading to a build-up of fluid.
Ear infections can be really painful no matter what age you are. If they occur frequently, it can have an impact on your child's quality of life. In some cases, it can even lead to hearing loss.
If you have glue ear
Glue ear is a common childhood ailment that's caused when fluids build up in the middle ear. It's usually an effect of multiple ear infections or allergies. It can cause hearing loss and even affect your child's speech development.
Grommet surgery
Surgery for grommets usually takes around 15 minutes but your child will need to be placed under general anaesthetic. An operation is often necessary if your child has had glue ear for 3 months or more. It might also be recommended if a child has more than 3 ear infections in less than 6 to 12 months.
Grommets are tiny tubes which are inserted into your child's eardrum in order to help drain any excess fluid and allow air to enter into the middle ear. When a grommet is inserted, it helps restore normal hearing and relieve any discomfort and pain. Most of the time, grommets will stay in for around 6 to 12 months and usually come out on their own. You will need to get them removed by a doctor if they don't come out naturally.
Grommets in children
Because children are still growing, it means that their eustachian tubes are narrower and more horizontal than an adult's fully developed tubes. As a result, they can block more easily.
Most children have problems with their eustachian tube. The eustachian tube connects the middle ear to the back of the nose and throat. If it gets blocked by mucus or inflammation, then there is less air pressure in the middle ear than in the ear canal. This causes a build up of fluid and usually leads to glue ear.
Grommets in adults
If you still get ear infections into your adulthood, it's possible that you have a more serious issue than if you were a child. You should visit your GP and see whether or not grommets could be a solution for you. Persistent ear infections can in some cases lead to permanent hearing loss.
Be aware that you may not be covered for treatment with Medicare. According to the Medicare Benefits Schedule (MBS) item no. 45659, which involves the correction of a congenital deformity of the ear, you must be less than 18 years of age to qualify for the Medicare benefit. However, you should be covered for a simple grommet procedure in most cases.
How does public and private health care for grommets compare?
When it comes to your child, your primary concern is their health. Here are some factors worth considering when it comes to choosing between public or private health care for grommets.
Waiting times
With Medicare, waiting times for all procedures vary depending on your local public hospital's demand for grommet operations. However, grommets are generally classed as category 3 waiting times, which means it could be up to 12 months before your child is treated.
Alternatively, most private health funds have a 2-month waiting period, which may be shorter if you've already served the waiting period. Even if it costs a little more, private health insurance often gets your child seen to faster.
Out-of-pocket expenses
Because grommet treatment prices can vary massively if you go through Medicare, it's always going to be more of a gamble than with private health care. However, if you're willing to take the risk of large, out-of-pocket expenses as high as $3,000 – as well as potentially longer waiting times – then public care might be suitable for you.
Private health insurance, on the other hand, will still have some out-of-pocket costs, depending on your cover, but is generally more affordable. It also lets you choose someone you know and trust, as well as the hospital your child will be treated in.
Ear grommets side effects
The vast majority of ear grommets have no complications and very few side effects. Nevertheless, you should keep an eye out for the following:
Cold air and water may cause a bit of pain and discomfort after the operation.
Persistent discharge from the ear which may require antibiotics.
Sometimes a hole in the eardrum can remain once grommets have fallen out.
In rare cases, the body rejects the grommet and the ear can become inflamed. If this occurs, the grommet will have to be taken out.
Frequently asked questions
Grommets are small plastic or metal tubes that are inserted into the eardrum to help drain excess fluid and improve hearing.
Grommets are typically inserted as a day surgery procedure under general anesthesia.
The procedure is usually not painful as it is performed under general anesthesia. However, some people may experience mild discomfort or pain after the surgery.
As with any surgical procedure, there are risks associated with grommet surgery. These include infection, persistent ear drainage, and damage to the eardrum or inner ear. However, these complications are rare and the benefits of the surgery often outweigh the risks.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 644 Finder guides across topics including:
Accessing treatment from one of your health fund’s preferred providers can help you save money but can also limit your health care choices. Find out more here.
Health insurance for weight loss surgery starts at around $62 a week with gold-tier hospital policies. It comes with a 12-month waiting period, so it's worth getting sooner rather than later.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
