Health Partners extras cover
Is Health Partners Combined Growing 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 $75.14 a month before the rebate, $57.02 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
$650 behind
That costs $200 with no cover. On this policy you’d pay $684 in premiums and get $35 back.
120th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $640 better off over the year.
Two dental visits and new glasses
$415 behind
That costs $700 with no cover. On this policy you’d pay $684 in premiums and get $269 back.
96th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $464 better off over the year.
Two dental visits, new glasses and six physio sessions
$205 behind
That costs $1,240 with no cover. On this policy you’d pay $684 in premiums and get $479 back.
92nd of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $575 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 | $35 a visit | $800 | 2 months |
| Major Dental | $500 a visit | $500shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $175 a visit | $500shared with major dental | 12 months |
| Optical | 100% of the fee | $200 | 2 months |
| Non-PBS Medications | $0 a visit | $200shared with vaccinations | 2 months |
| Physiotherapy | $40 a visit first, then $35 a visit | $500shared with chiropractic, podiatry, exercise physiology, orthoptics, orthotics and osteopathy | 2 months |
| Chiropractic | $40 a visit first, then $35 a visit | $500shared with physiotherapy, podiatry, exercise physiology, orthoptics, orthotics and osteopathy | 2 months |
| Podiatry | $35 a visit first, then $30 a visit | $500shared with physiotherapy, chiropractic, exercise physiology, orthoptics, orthotics and osteopathy | 2 months |
| Psychology | $75 a visit | $300shared with antenatal/postnatal, dietetics, 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 |
| Antenatal/Postnatal | 60% of the fee | $300shared with psychology, dietetics, occupational therapy and speech therapy | 2 months |
| Chinese Herbal Medicine | $30 a visit | $200shared with acupuncture and remedial massage | 2 months |
| Dietetics | $35 a visit first, then $30 a visit | $300shared with psychology, antenatal/postnatal, occupational therapy and speech therapy | 2 months |
| Exercise Physiology | $40 a visit first, then $35 a visit | $500shared with physiotherapy, chiropractic, podiatry, orthoptics, orthotics and osteopathy | 2 months |
| Orthoptics | $35 a visit first, then $30 a visit | $500shared with physiotherapy, chiropractic, podiatry, exercise physiology, orthotics and osteopathy | 2 months |
| Occupational Therapy | $35 a visit first, then $30 a visit | $300shared with psychology, antenatal/postnatal, dietetics and speech therapy | 2 months |
| Orthotics | 60% of the fee | $500shared with physiotherapy, chiropractic, podiatry, exercise physiology, orthoptics and osteopathy | 12 months |
| Osteopathy | $40 a visit first, then $35 a visit | $500shared with physiotherapy, chiropractic, podiatry, exercise physiology, orthoptics and orthotics | 2 months |
| Speech Therapy | $35 a visit first, then $30 a visit | $300shared with psychology, antenatal/postnatal, dietetics and occupational therapy | 2 months |
| Vaccinations | $0 a visit | $200shared 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 | $75.14 | $150.32 | $151.84 | $139.06 |
| VIC | $75.14 | $150.32 | $151.84 | $139.06 |
| QLD | $75.14 | $150.32 | $151.84 | $139.06 |
| WA | $75.14 | $150.32 | $151.84 | $139.06 |
| SA | $68.34 | $136.67 | $138.02 | $126.40 |
| TAS | $75.14 | $150.32 | $151.84 | $139.06 |
| NT | $75.14 | $150.32 | $151.84 | $139.06 |
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 E91/NHVA10 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.