GMHBA extras cover
Is GMHBA SmartCare Complete 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 $109.30 a month before the rebate, $82.94 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
$795 behind
That costs $200 with no cover. On this policy you’d pay $995 in premiums and get $200 back.
154th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $785 better off over the year.
Two dental visits and new glasses
$595 behind
That costs $700 with no cover. On this policy you’d pay $995 in premiums and get $400 back. It pays nothing towards optical.
Against the 189 policies from funds anyone can join that cover this, it would sit 129th. Latrobe’s Core Essential Extras does best, $644 better off over the year.
Two dental visits, new glasses and six physio sessions
$271 behind
That costs $1,240 with no cover. On this policy you’d pay $995 in premiums and get $724 back. It pays nothing towards optical.
Against the 181 policies from funds anyone can join that cover this, it would sit 106th. HCF’s Flex My Extras does best, $641 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 | 100% of the fee | $1,500shared with major dental, endodontic (root canal), orthodontic, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, hearing aids, glucose monitor, audiology, orthotics and osteopathy | 2 months |
| Major Dental | 60% of the fee | $1,500shared with general dental, endodontic (root canal), orthodontic, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, hearing aids, glucose monitor, audiology, orthotics and osteopathy | 12 months |
| Endodontic (Root Canal) | 60% of the fee | $1,500shared with general dental, major dental, orthodontic, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, hearing aids, glucose monitor, audiology, orthotics and osteopathy | 12 months |
| Orthodontic | 60% of the fee | $1,500shared with general dental, major dental, endodontic (root canal), physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, hearing aids, glucose monitor, audiology, orthotics and osteopathy | 12 months |
| Physiotherapy | 60% of the fee | $1,500shared with general dental, major dental, endodontic (root canal), orthodontic, chiropractic, podiatry, psychology, acupuncture, remedial massage, hearing aids, glucose monitor, audiology, orthotics and osteopathy | 2 months |
| Chiropractic | 60% of the fee | $1,500shared with general dental, major dental, endodontic (root canal), orthodontic, physiotherapy, podiatry, psychology, acupuncture, remedial massage, hearing aids, glucose monitor, audiology, orthotics and osteopathy | 2 months |
| Podiatry | 60% of the fee | $1,500shared with general dental, major dental, endodontic (root canal), orthodontic, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, hearing aids, glucose monitor, audiology, orthotics and osteopathy | 2 months |
| Psychology | 60% of the fee | $1,500shared with general dental, major dental, endodontic (root canal), orthodontic, physiotherapy, chiropractic, podiatry, acupuncture, remedial massage, hearing aids, glucose monitor, audiology, orthotics and osteopathy | 2 months |
| Acupuncture | 60% of the fee | $1,500shared with general dental, major dental, endodontic (root canal), orthodontic, physiotherapy, chiropractic, podiatry, psychology, remedial massage, hearing aids, glucose monitor, audiology, orthotics and osteopathy | 2 months |
| Remedial Massage | 60% of the fee | $1,500shared with general dental, major dental, endodontic (root canal), orthodontic, physiotherapy, chiropractic, podiatry, psychology, acupuncture, hearing aids, glucose monitor, audiology, orthotics and osteopathy | 2 months |
| Hearing Aids | 60% of the fee | $1,500shared with general dental, major dental, endodontic (root canal), orthodontic, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, glucose monitor, audiology, orthotics and osteopathy | 12 months |
| Glucose Monitor | 60% of the fee | $1,500shared with general dental, major dental, endodontic (root canal), orthodontic, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, hearing aids, audiology, orthotics and osteopathy | 12 months |
| Audiology | 60% of the fee | $1,500shared with general dental, major dental, endodontic (root canal), orthodontic, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, hearing aids, glucose monitor, orthotics and osteopathy | 2 months |
| Orthotics | 60% of the fee | $1,500shared with general dental, major dental, endodontic (root canal), orthodontic, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, hearing aids, glucose monitor, audiology and osteopathy | 12 months |
| Osteopathy | 60% of the fee | $1,500shared with general dental, major dental, endodontic (root canal), orthodontic, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, hearing aids, glucose monitor, audiology and orthotics | 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 | $109.30 | $218.60 | $273.20 | $218.60 |
| VIC | $109.30 | $218.60 | $273.20 | $218.60 |
| QLD | $109.30 | $218.60 | $273.20 | $218.60 |
| WA | $109.30 | $218.60 | $273.20 | $218.60 |
| SA | $109.30 | $218.60 | $273.20 | $218.60 |
| TAS | $109.30 | $218.60 | $273.20 | $218.60 |
| NT | $109.30 | $218.60 | $273.20 | $218.60 |
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 I43/NMCG10 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.