Health Partners extras cover
Is Health Partners Combined Better 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 $94.51 a month before the rebate, $71.72 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
$731 behind
That costs $200 with no cover. On this policy you’d pay $861 in premiums and get $130 back.
137th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $721 better off over the year.
Two dental visits and new glasses
$601 behind
That costs $700 with no cover. On this policy you’d pay $861 in premiums and get $260 back.
129th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $650 better off over the year.
Two dental visits, new glasses and six physio sessions
$601 behind
That costs $1,240 with no cover. On this policy you’d pay $861 in premiums and get $260 back.
148th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $970 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 | 65% of the fee | Not published | 2 months |
| Major Dental | 65% of the fee | $900shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | 65% of the fee | $900shared with major dental | 12 months |
| Orthodontic | Covered, amount not published as a set figure | Not published | 12 months |
| Optical | Covered, amount not published as a set figure | $250 | 2 months |
| Non-PBS Medications | $0 a visit | $300shared with vaccinations | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | $600shared with chiropractic, exercise physiology and osteopathy | 2 months |
| Chiropractic | $40 a visit first, then $35 a visit | $600shared with physiotherapy, exercise physiology and osteopathy | 2 months |
| Podiatry | $35 a visit first, then $30 a visit | $500shared with psychology, dietetics, orthoptics, occupational therapy and speech therapy | 2 months |
| Psychology | $75 a visit | $500shared with podiatry, dietetics, orthoptics, occupational therapy and speech therapy | 2 months |
| Acupuncture | $30 a visit | $200shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | $30 a visit | $200shared with acupuncture and chinese herbal medicine | 2 months |
| Hearing Aids | Covered, amount not published as a set figure | $400shared with glucose monitor and orthotics | 12 months |
| Glucose Monitor | Covered, amount not published as a set figure | $400shared with hearing aids and orthotics | 12 months |
| Chinese Herbal Medicine | $30 a visit | $200shared with acupuncture and remedial massage | 2 months |
| Dietetics | $35 a visit first, then $30 a visit | $500shared with podiatry, psychology, orthoptics, occupational therapy and speech therapy | 2 months |
| Exercise Physiology | $40 a visit first, then $35 a visit | $600shared with physiotherapy, chiropractic and osteopathy | 2 months |
| Orthoptics | $35 a visit first, then $30 a visit | $500shared with podiatry, psychology, dietetics, occupational therapy and speech therapy | 2 months |
| Health Management | 70% of the fee | $100 | 2 months |
| Occupational Therapy | $35 a visit first, then $30 a visit | $500shared with podiatry, psychology, dietetics, orthoptics and speech therapy | 2 months |
| Orthotics | Covered, amount not published as a set figure | $400shared with hearing aids and glucose monitor | 12 months |
| Osteopathy | $40 a visit first, then $35 a visit | $600shared with physiotherapy, chiropractic and exercise physiology | 2 months |
| Speech Therapy | $35 a visit first, then $30 a visit | $500shared with podiatry, psychology, dietetics, orthoptics and occupational therapy | 2 months |
| Vaccinations | $0 a visit | $300shared 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.
Conditions to know
Higher benefits may require using specific providers or networks.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $94.51 | $188.98 | $190.88 | $174.85 |
| VIC | $94.51 | $188.98 | $190.88 | $174.85 |
| QLD | $94.51 | $188.98 | $190.88 | $174.85 |
| WA | $94.51 | $188.98 | $190.88 | $174.85 |
| SA | $85.93 | $171.82 | $173.55 | $158.95 |
| TAS | $94.51 | $188.98 | $190.88 | $174.85 |
| NT | $94.51 | $188.98 | $190.88 | $174.85 |
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 E82/NDTQ10 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.