ACA Health extras cover · restricted fund
Is ACA Health Complete Ancillary worth it?
For one adult in NSW, it costs more than it pays back in all three of the ways of using extras worked through below. It is $125.55 a month before the rebate, $95.27 after.
Three ways of using it
Worked for one adult in NSW, under 65, on the 24.118% rebate, over a year, at typical prices: $200 for general dental, $300 for optical and $90 for physiotherapy.
One dental check-up a year
$1,143 behind
That costs $200 with no cover. On this policy you’d pay $1,143 in premiums and get $0 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 193rd. nib’s DentalPass does best, $1,133 better off over the year.
Two dental visits and new glasses
$1,143 behind
That costs $700 with no cover. On this policy you’d pay $1,143 in premiums and get $0 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 180th. Latrobe’s Core Essential Extras does best, $1,192 better off over the year.
Two dental visits, new glasses and six physio sessions
$813 behind
That costs $1,240 with no cover. On this policy you’d pay $1,143 in premiums and get $330 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 169th. HCF’s Flex My Extras does best, $1,183 better off over the year.
Your year won’t look like any of those.
Put in what you actually use and the calculator sets this policy beside every other one, with the working.
What it pays
| Service | Benefit | Yearly limit | Wait |
|---|---|---|---|
| General Dental | Covered, amount not published as a set figure | $1,700shared with major dental and endodontic (root canal) | 9 months |
| Major Dental | Covered, amount not published as a set figure | $1,700shared with general dental and endodontic (root canal) | 9 months |
| Endodontic (Root Canal) | Covered, amount not published as a set figure | $1,700shared with general dental and major dental | 9 months |
| Orthodontic | Covered, amount not published as a set figure | $1,700 | 9 months |
| Optical | Covered, amount not published as a set figure | $450 | 4 months |
| Non-PBS Medications | $100 a visit | $800shared with vaccinations | 2 months |
| Physiotherapy | $75 a visit first, then $55 a visit | $950shared with chiropractic, exercise physiology, orthoptics, occupational therapy, osteopathy and speech therapy | 2 months |
| Chiropractic | $56 a visit first, then $40 a visit | $950shared with physiotherapy, exercise physiology, orthoptics, occupational therapy, osteopathy and speech therapy | 2 months |
| Podiatry | 80% of the fee | $400 | 2 months |
| Psychology | $110 a visit first, then $80 a visit | $500 | 2 months |
| Acupuncture | $45 a visit | $500shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | $45 a visit | $500shared with acupuncture and chinese herbal medicine | 2 months |
| Hearing Aids | $1500 a visit | $1,500 | 12 months |
| Glucose Monitor | $150 a visit | $150 | 12 months |
| Audiology | 50% of the fee | Not published | 2 months |
| Antenatal/Postnatal | 80% of the fee | $500 | 2 months |
| Chinese Herbal Medicine | $45 a visit | $500shared with acupuncture and remedial massage | 2 months |
| Dietetics | 80% of the fee | $300 | 2 months |
| Exercise Physiology | $23 a visit | $950shared with physiotherapy, chiropractic, orthoptics, occupational therapy, osteopathy and speech therapy | 2 months |
| Orthoptics | 80% of the fee | $950shared with physiotherapy, chiropractic, exercise physiology, occupational therapy, osteopathy and speech therapy | 2 months |
| Home Nursing | $1200 a visit | $100 | 2 months |
| Occupational Therapy | $80 a visit first, then $65 a visit | $950shared with physiotherapy, chiropractic, exercise physiology, orthoptics, osteopathy and speech therapy | 2 months |
| Orthotics | $400 a visit | $400 | 12 months |
| Osteopathy | $45 a visit first, then $32 a visit | $950shared with physiotherapy, chiropractic, exercise physiology, orthoptics, occupational therapy and speech therapy | 2 months |
| Speech Therapy | $50 a visit first, then $40 a visit | $950shared with physiotherapy, chiropractic, exercise physiology, orthoptics, occupational therapy and osteopathy | 2 months |
| Vaccinations | $100 a visit | $800shared with non-pbs medications | 2 months |
As listed for one adult in NSW. A percentage is of the provider’s fee; a dollar figure is the most paid per visit. Where a benefit differs by item, the commonest one is shown.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| All states | $125.55 | $251.10 | $251.10 | $251.10 |
Listed premiums a month, before the rebate. The rebate takes 24.118% off for most households under 65.
What beats it
For two dental visits and new glasses, from funds anyone can join:
- 1Latrobe Core Essential Extras+$49 ahead
- 2Health Partners Flex Extras: Eyes+$47 ahead
- 3HCF Flex My Extras+$45 ahead
Worked from the Australian Government’s Private Health Open Listing, 01-Oct-2026, with the same sums as the calculator: listed premiums after the rebate, benefits capped by each policy’s limits and waiting periods. Product code I1/A0000S on privatehealth.gov.au. How the sums work.
This is general information, not personal financial advice. Confirm the premium and benefits with the fund before you buy or switch. Independent of every fund listed · No affiliate fees, no commissions.