ahm extras cover
Is ahm black 70 boost 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 $108.30 a month before the rebate, $82.18 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
$846 behind
That costs $200 with no cover. On this policy you’d pay $986 in premiums and get $140 back.
157th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $836 better off over the year.
Two dental visits and new glasses
$506 behind
That costs $700 with no cover. On this policy you’d pay $986 in premiums and get $480 back.
111th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $555 better off over the year.
Two dental visits, new glasses and six physio sessions
$128 behind
That costs $1,240 with no cover. On this policy you’d pay $986 in premiums and get $858 back.
76th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $498 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 | 70% of the fee | $700 | 2 months |
| Major Dental | 70% of the fee | $750shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | 70% of the fee | $750shared with major dental | 12 months |
| Optical | 100% of the fee | $200 | 6 months |
| Non-PBS Medications | 70% of the fee | $350 | 2 months |
| Physiotherapy | 70% of the fee | $400shared with chiropractic and osteopathy | 2 months |
| Chiropractic | 70% of the fee | $400shared with physiotherapy and osteopathy | 2 months |
| Podiatry | 70% of the fee | $250shared with psychology and orthotics | 2 months |
| Psychology | 70% of the fee | $250shared with podiatry and orthotics | None |
| Acupuncture | 70% of the fee | $250shared with remedial massage and exercise physiology | 2 months |
| Remedial Massage | 70% of the fee | $250shared with acupuncture and exercise physiology | 2 months |
| Dietetics | 70% of the fee | $250 | 2 months |
| Exercise Physiology | 70% of the fee | $250shared with acupuncture and remedial massage | 2 months |
| Health Management | 70% of the fee | $250 | 2 months |
| Orthotics | 70% of the fee | $250shared with podiatry and psychology | 2 months |
| Osteopathy | 70% of the fee | $400shared with physiotherapy and chiropractic | 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 |
|---|---|---|---|---|
| NSW | $108.30 | $216.60 | $238.50 | $184.20 |
| VIC | $109.05 | $218.10 | $240.00 | $185.40 |
| QLD | $107.80 | $215.60 | $237.10 | $183.30 |
| WA | $106.20 | $212.40 | $233.40 | $180.30 |
| SA | $108.30 | $216.60 | $238.50 | $184.20 |
| TAS | $107.70 | $215.40 | $236.80 | $183.00 |
| NT | $98.25 | $196.50 | $216.30 | $167.00 |
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 I93/NDEB10 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.