Medibank extras cover
Is Medibank Growing Family 70 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 $103.25 a month before the rebate, $78.35 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
$913 behind
That costs $200 with no cover. On this policy you’d pay $940 in premiums and get $28 back.
166th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $903 better off over the year.
Two dental visits and new glasses
$660 behind
That costs $700 with no cover. On this policy you’d pay $940 in premiums and get $280 back.
134th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $709 better off over the year.
Two dental visits, new glasses and six physio sessions
$420 behind
That costs $1,240 with no cover. On this policy you’d pay $940 in premiums and get $520 back.
127th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $789 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 | $28 a visit | $1,000 | 2 months |
| Major Dental | $776 a visit | $800shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $124 a visit | $800shared with major dental | 12 months |
| Orthodontic | 100% of the fee | $200 | 12 months |
| Optical | 100% of the fee | $225 | 6 months |
| Non-PBS Medications | $31 a visit | $1,000shared with psychology, glucose monitor, antenatal/postnatal, dietetics, orthotics and speech therapy | 2 months |
| Physiotherapy | $48 a visit first, then $40 a visit | $600shared with chiropractic, podiatry and osteopathy | 2 months |
| Chiropractic | $53 a visit first, then $36 a visit | $600shared with physiotherapy, podiatry and osteopathy | 2 months |
| Podiatry | $39 a visit first, then $33 a visit | $600shared with physiotherapy, chiropractic and osteopathy | 2 months |
| Psychology | $113 a visit first, then $94 a visit | $1,000shared with non-pbs medications, glucose monitor, antenatal/postnatal, dietetics, orthotics and speech therapy | None |
| Acupuncture | $33 a visit first, then $23 a visit | $250shared with remedial massage, chinese herbal medicine and exercise physiology | 2 months |
| Remedial Massage | $44 a visit first, then $30 a visit | $250shared with acupuncture, chinese herbal medicine and exercise physiology | 2 months |
| Glucose Monitor | 100% of the fee | $1,000shared with non-pbs medications, psychology, antenatal/postnatal, dietetics, orthotics and speech therapy | 24 months |
| Antenatal/Postnatal | $30 a visit | $1,000shared with non-pbs medications, psychology, glucose monitor, dietetics, orthotics and speech therapy | 2 months |
| Chinese Herbal Medicine | $22 a visit | $250shared with acupuncture, remedial massage and exercise physiology | 2 months |
| Dietetics | $53 a visit first, then $29 a visit | $1,000shared with non-pbs medications, psychology, glucose monitor, antenatal/postnatal, orthotics and speech therapy | 2 months |
| Exercise Physiology | $22 a visit first, then $12 a visit | $250shared with acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Orthotics | 70% of the fee | $1,000shared with non-pbs medications, psychology, glucose monitor, antenatal/postnatal, dietetics and speech therapy | 2 months |
| Osteopathy | $53 a visit first, then $36 a visit | $600shared with physiotherapy, chiropractic and podiatry | 2 months |
| Speech Therapy | $75 a visit first, then $35 a visit | $1,000shared with non-pbs medications, psychology, glucose monitor, antenatal/postnatal, dietetics and orthotics | 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
Multiple services share a single annual limit pool.
Special waiting period rules may apply.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $103.25 | $206.50 | $211.60 | $196.30 |
| VIC | $94.05 | $188.10 | $192.80 | $178.60 |
| QLD | $90.80 | $181.60 | $186.10 | $172.50 |
| WA | $84.15 | $168.30 | $172.50 | $159.80 |
| SA | $89.95 | $179.90 | $184.30 | $170.80 |
| TAS | $70.75 | $141.50 | $145.00 | $134.40 |
| NT | $77.45 | $154.90 | $158.70 | $147.10 |
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 I85/NFYU10 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.