ahm extras cover
Is ahm Family Extras 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 $86.85 a month before the rebate, $65.90 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
$791 behind
That costs $200 with no cover. On this policy you’d pay $791 in premiums and get $0 back.
152nd of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $781 better off over the year.
Two dental visits and new glasses
$571 behind
That costs $700 with no cover. On this policy you’d pay $791 in premiums and get $220 back.
127th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $620 better off over the year.
Two dental visits, new glasses and six physio sessions
$403 behind
That costs $1,240 with no cover. On this policy you’d pay $791 in premiums and get $388 back.
125th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $772 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 | $500 | None |
| Major Dental | Covered, amount not published as a set figure | $750 | 12 months |
| Endodontic (Root Canal) | $121 a visit | $600 | 12 months |
| Orthodontic | 100% of the fee | $700 | 12 months |
| Optical | $220 a visit | $220 | None |
| Non-PBS Medications | $50 a visit | $350 | None |
| Physiotherapy | $36 a visit first, then $28 a visit | $300 | None |
| Chiropractic | $36 a visit first, then $28 a visit | $300 | None |
| Podiatry | $31 a visit first, then $25 a visit | $250 | None |
| Psychology | $71 a visit first, then $41 a visit | $250 | None |
| Acupuncture | $22 a visit | $300shared with remedial massage and exercise physiology | None |
| Remedial Massage | $27 a visit | $300shared with acupuncture and exercise physiology | None |
| Hearing Aids | Covered, amount not published as a set figure | $1,200 | 12 months |
| Antenatal/Postnatal | $25 a visit | Not published | None |
| Dietetics | $32 a visit first, then $25 a visit | $250 | None |
| Exercise Physiology | $22 a visit | $300shared with acupuncture and remedial massage | None |
| Orthoptics | $25 a visit first, then $22 a visit | $250 | None |
| Health Management | $8 a visit | $250 | None |
| Occupational Therapy | $30 a visit first, then $26 a visit | $250 | None |
| Orthotics | 100% of the fee | $150 | 12 months |
| Osteopathy | $36 a visit first, then $28 a visit | $300 | None |
| Speech Therapy | $50 a visit first, then $26 a visit | $250 | None |
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 | $86.85 | $173.70 | $173.70 | $147.70 |
| VIC | $85.25 | $170.50 | $170.50 | $144.90 |
| QLD | $85.35 | $170.70 | $170.70 | $145.00 |
| WA | $70.65 | $141.30 | $141.30 | $120.20 |
| SA | $74.25 | $148.50 | $148.50 | $126.10 |
| TAS | $76.70 | $153.40 | $153.40 | $130.30 |
| NT | $63.15 | $126.30 | $126.30 | $107.40 |
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 I2/N0000S 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.