Health Partners extras cover
Is Health Partners Good 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 $66.43 a month before the rebate, $50.41 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
$495 behind
That costs $200 with no cover. On this policy you’d pay $605 in premiums and get $110 back.
91st of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $485 better off over the year.
Two dental visits and new glasses
$385 behind
That costs $700 with no cover. On this policy you’d pay $605 in premiums and get $220 back.
90th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $434 better off over the year.
Two dental visits, new glasses and six physio sessions
$385 behind
That costs $1,240 with no cover. On this policy you’d pay $605 in premiums and get $220 back.
124th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $754 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 | 55% of the fee | $900shared with major dental and endodontic (root canal) | 2 months |
| Major Dental | 55% of the fee | $900shared with general dental and endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | 55% of the fee | $900shared with general dental and major dental | 12 months |
| Optical | Covered, amount not published as a set figure | $200 | 2 months |
| Non-PBS Medications | $0 a visit | $200shared with vaccinations | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | $350shared with chiropractic, exercise physiology and osteopathy | 2 months |
| Chiropractic | $35 a visit first, then $30 a visit | $350shared with physiotherapy, exercise physiology and osteopathy | 2 months |
| Podiatry | $30 a visit first, then $25 a visit | $350shared with psychology, dietetics, orthoptics, occupational therapy and speech therapy | 2 months |
| Psychology | $60 a visit | $350shared with podiatry, dietetics, orthoptics, occupational therapy and speech therapy | 2 months |
| Acupuncture | $25 a visit | $100shared with remedial massage | 2 months |
| Remedial Massage | $25 a visit | $100shared with acupuncture | 2 months |
| Dietetics | $30 a visit first, then $25 a visit | $350shared with podiatry, psychology, orthoptics, occupational therapy and speech therapy | 2 months |
| Exercise Physiology | $35 a visit first, then $30 a visit | $350shared with physiotherapy, chiropractic and osteopathy | 2 months |
| Orthoptics | $30 a visit first, then $25 a visit | $350shared with podiatry, psychology, dietetics, occupational therapy and speech therapy | 2 months |
| Occupational Therapy | $30 a visit first, then $25 a visit | $350shared with podiatry, psychology, dietetics, orthoptics and speech therapy | 2 months |
| Osteopathy | $35 a visit first, then $30 a visit | $350shared with physiotherapy, chiropractic and exercise physiology | 2 months |
| Speech Therapy | $30 a visit first, then $25 a visit | $350shared with podiatry, psychology, dietetics, orthoptics 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 | $66.43 | $132.86 | $134.20 | $122.89 |
| VIC | $66.43 | $132.86 | $134.20 | $122.89 |
| QLD | $66.43 | $132.86 | $134.20 | $122.89 |
| WA | $66.43 | $132.86 | $134.20 | $122.89 |
| SA | $60.41 | $120.81 | $122.03 | $111.76 |
| TAS | $66.43 | $132.86 | $134.20 | $122.89 |
| NT | $66.43 | $132.86 | $134.20 | $122.89 |
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 E74/NDGC10 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.