Latrobe extras cover
Is Latrobe Premier Families Extras worth it?
For a family with two adults in NSW, it costs more than it pays back in all three of the ways of using extras worked through below. It is $232.35 a month before the rebate, $176.31 after.
Three ways of using it
Worked for a family with two adults 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. Each adult uses it this way.
One dental check-up a year
$2,032 behind
That costs $400 with no cover. On this policy you’d pay $2,116 in premiums and get $84 back.
175th of the 227 policies from funds anyone can join that cover this. ahm’s choosable 50 – teeth does best, $1,883 better off over the year.
Two dental visits and new glasses
$1,448 behind
That costs $1,400 with no cover. On this policy you’d pay $2,116 in premiums and get $668 back.
145th of the 201 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $1,546 better off over the year.
Two dental visits, new glasses and six physio sessions
$848 behind
That costs $2,480 with no cover. On this policy you’d pay $2,116 in premiums and get $1,268 back.
127th of the 193 policies from funds anyone can join that cover this. HBF’s Value 50 does best, $1,416 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 | $42 a visit | Not publishedshared with endodontic (root canal) | 2 months |
| Major Dental | $680 a visit | Not published | 12 months |
| Endodontic (Root Canal) | $145 a visit | Not publishedshared with general dental | 2 months |
| Orthodontic | $750 a visit | Not published | 12 months |
| Optical | $250 a visit | Not published | 6 months |
| Non-PBS Medications | $50 a visit | $1,020 | 2 months |
| Physiotherapy | $50 a visit | $1,650shared with chiropractic, antenatal/postnatal, exercise physiology and osteopathy | 2 months |
| Chiropractic | $45 a visit | $1,650shared with physiotherapy, antenatal/postnatal, exercise physiology and osteopathy | 2 months |
| Podiatry | $45 a visit | $1,200shared with orthotics | 2 months |
| Psychology | $60 a visit | $1,350 | 2 months |
| Acupuncture | $45 a visit | $1,200shared with remedial massage, chinese herbal medicine and dietetics | 2 months |
| Remedial Massage | $45 a visit | $1,200shared with acupuncture, chinese herbal medicine and dietetics | 2 months |
| Hearing Aids | 65% of the fee | Not published | 12 months |
| Glucose Monitor | 65% of the fee | Not published | 12 months |
| Audiology | $40 a visit | $1,275shared with orthoptics, occupational therapy and speech therapy | 2 months |
| Antenatal/Postnatal | $45 a visit | $1,650shared with physiotherapy, chiropractic, exercise physiology and osteopathy | 2 months |
| Chinese Herbal Medicine | $45 a visit | $1,200shared with acupuncture, remedial massage and dietetics | 2 months |
| Dietetics | $45 a visit | $1,200shared with acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Exercise Physiology | $45 a visit | $1,650shared with physiotherapy, chiropractic, antenatal/postnatal and osteopathy | 2 months |
| Orthoptics | $40 a visit | $1,275shared with audiology, occupational therapy and speech therapy | 2 months |
| Health Management | 65% of the fee | Not published | 12 months |
| Occupational Therapy | $40 a visit | $1,275shared with audiology, orthoptics and speech therapy | 2 months |
| Orthotics | 65% of the fee | $1,200shared with podiatry | 2 months |
| Osteopathy | $45 a visit | $1,650shared with physiotherapy, chiropractic, antenatal/postnatal and exercise physiology | 2 months |
| Speech Therapy | $40 a visit | $1,275shared with audiology, orthoptics and occupational therapy | 2 months |
As listed for a family with two adults 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 | Family | Single parent |
|---|---|---|
| NSW | $232.35 | $174.27 |
| VIC | $236.71 | $177.54 |
| QLD | $235.33 | $176.50 |
| WA | $192.86 | $144.65 |
| SA | $229.59 | $172.20 |
| TAS | $202.04 | $151.54 |
| NT | $235.33 | $176.50 |
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+$98 ahead
- 2HBF Value 50+$28 ahead
- 3Health Partners Flex Extras: Eyes+$20 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 I19/NCCU2D 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.