ahm extras cover
Is ahm choosable 60 – teeth / wellbeing 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 $59.05 a month before the rebate, $44.81 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
$418 behind
That costs $200 with no cover. On this policy you’d pay $538 in premiums and get $120 back.
63rd of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $408 better off over the year.
Two dental visits and new glasses
$298 behind
That costs $700 with no cover. On this policy you’d pay $538 in premiums and get $240 back. It pays nothing towards optical.
Against the 189 policies from funds anyone can join that cover this, it would sit 74th. Latrobe’s Core Essential Extras does best, $347 better off over the year.
Two dental visits, new glasses and six physio sessions
$298 behind
That costs $1,240 with no cover. On this policy you’d pay $538 in premiums and get $240 back. It pays nothing towards optical and physiotherapy.
Against the 181 policies from funds anyone can join that cover this, it would sit 109th. HCF’s Flex My Extras does best, $667 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 | 60% of the fee | $800shared with major dental, endodontic (root canal) and orthodontic | 2 months |
| Major Dental | 60% of the fee | $800shared with general dental, endodontic (root canal) and orthodontic | 12 months |
| Endodontic (Root Canal) | 60% of the fee | $800shared with general dental, major dental and orthodontic | 12 months |
| Orthodontic | 60% of the fee | $800shared with general dental, major dental and endodontic (root canal) | 12 months |
| Non-PBS Medications | 60% of the fee | $300shared with psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, health management and occupational therapy | 2 months |
| Psychology | 60% of the fee | $300shared with non-pbs medications, acupuncture, remedial massage, chinese herbal medicine, dietetics, health management and occupational therapy | None |
| Acupuncture | 60% of the fee | $300shared with non-pbs medications, psychology, remedial massage, chinese herbal medicine, dietetics, health management and occupational therapy | 2 months |
| Remedial Massage | 60% of the fee | $300shared with non-pbs medications, psychology, acupuncture, chinese herbal medicine, dietetics, health management and occupational therapy | 2 months |
| Chinese Herbal Medicine | 60% of the fee | $300shared with non-pbs medications, psychology, acupuncture, remedial massage, dietetics, health management and occupational therapy | 2 months |
| Dietetics | 60% of the fee | $300shared with non-pbs medications, psychology, acupuncture, remedial massage, chinese herbal medicine, health management and occupational therapy | 2 months |
| Health Management | 60% of the fee | $300shared with non-pbs medications, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics and occupational therapy | 2 months |
| Occupational Therapy | 60% of the fee | $300shared with non-pbs medications, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics and health management | 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 | $59.05 | $118.10 | $130.20 | $100.40 |
| VIC | $55.20 | $110.40 | $121.60 | $93.80 |
| QLD | $55.25 | $110.50 | $121.70 | $93.90 |
| WA | $47.65 | $95.30 | $105.00 | $81.00 |
| SA | $54.30 | $108.60 | $119.40 | $92.30 |
| TAS | $50.15 | $100.30 | $110.40 | $85.20 |
| NT | $46.50 | $93.00 | $102.30 | $79.20 |
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 I104/NGNQ10 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.