Health Partners extras cover
Is Health Partners Flex Extras: Teeth Pro / Eyes / Wellness 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 $70.03 a month before the rebate, $53.14 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
$518 behind
That costs $200 with no cover. On this policy you’d pay $638 in premiums and get $120 back.
95th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $508 better off over the year.
Two dental visits and new glasses
$218 behind
That costs $700 with no cover. On this policy you’d pay $638 in premiums and get $420 back.
49th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $267 better off over the year.
Two dental visits, new glasses and six physio sessions
$218 behind
That costs $1,240 with no cover. On this policy you’d pay $638 in premiums and get $420 back. It pays nothing towards physiotherapy.
Against the 181 policies from funds anyone can join that cover this, it would sit 98th. HCF’s Flex My Extras does best, $587 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 | $1,000shared with major dental, endodontic (root canal) and orthodontic | 2 months |
| Major Dental | 60% of the fee | $1,000shared with general dental, endodontic (root canal) and orthodontic | 12 months |
| Endodontic (Root Canal) | 60% of the fee | $1,000shared with general dental, major dental and orthodontic | 12 months |
| Orthodontic | Covered, amount not published as a set figure | $1,000shared with general dental, major dental and endodontic (root canal) | 12 months |
| Optical | 60% of the fee | $200 | 2 months |
| Non-PBS Medications | 0% of the fee | $200shared with vaccinations | 2 months |
| Podiatry | 60% of the fee | $200shared with psychology, dietetics, orthoptics, health management, occupational therapy and speech therapy | 2 months |
| Psychology | 60% of the fee | $200shared with podiatry, dietetics, orthoptics, health management, occupational therapy and speech therapy | 2 months |
| Acupuncture | 60% of the fee | $200shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | 60% of the fee | $200shared with acupuncture and chinese herbal medicine | 2 months |
| Chinese Herbal Medicine | 60% of the fee | $200shared with acupuncture and remedial massage | 2 months |
| Dietetics | 60% of the fee | $200shared with podiatry, psychology, orthoptics, health management, occupational therapy and speech therapy | 2 months |
| Orthoptics | 60% of the fee | $200shared with podiatry, psychology, dietetics, health management, occupational therapy and speech therapy | 2 months |
| Health Management | 60% of the fee | $200shared with podiatry, psychology, dietetics, orthoptics, occupational therapy and speech therapy | 2 months |
| Occupational Therapy | 60% of the fee | $200shared with podiatry, psychology, dietetics, orthoptics, health management and speech therapy | 2 months |
| Speech Therapy | 60% of the fee | $200shared with podiatry, psychology, dietetics, orthoptics, health management and occupational therapy | 2 months |
| Vaccinations | 0% of the fee | $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
This policy has special conditions that may affect your benefits. Review the details below.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $70.03 | $140.10 | $154.09 | $126.10 |
| VIC | $70.03 | $140.10 | $154.09 | $126.10 |
| QLD | $70.03 | $140.10 | $154.09 | $126.10 |
| WA | $70.03 | $140.10 | $154.09 | $126.10 |
| SA | $63.70 | $127.36 | $140.10 | $114.62 |
| TAS | $70.03 | $140.10 | $154.09 | $126.10 |
| NT | $70.03 | $140.10 | $154.09 | $126.10 |
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 E132/NLSE10 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.