Medibank extras cover
Is Medibank Healthy Start Extras worth it?
For one adult in NSW, it pays back more than it costs in one of the three ways of using extras worked through below, and costs more than it pays back in the other two. It is $38.05 a month before the rebate, $28.87 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
$323 behind
That costs $200 with no cover. On this policy you’d pay $346 in premiums and get $24 back.
42nd of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $313 better off over the year.
Two dental visits and new glasses
$149 behind
That costs $700 with no cover. On this policy you’d pay $346 in premiums and get $197 back.
33rd of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $199 better off over the year.
Two dental visits, new glasses and six physio sessions
+$40 ahead
That costs $1,240 with no cover. On this policy you’d pay $346 in premiums and get $386 back.
45th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $330 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 | $24 a visit | $500shared with major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology, dietetics and osteopathy | 2 months |
| Major Dental | $500 a visit | $500shared with general dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology, dietetics and osteopathy | 12 months |
| Endodontic (Root Canal) | $105 a visit | $500shared with general dental, major dental, non-pbs medications, physiotherapy, chiropractic, psychology, dietetics and osteopathy | 12 months |
| Optical | 100% of the fee | $150shared with acupuncture, remedial massage, chinese herbal medicine and exercise physiology | 6 months |
| Non-PBS Medications | $21 a visit | $500shared with general dental, major dental, endodontic (root canal), physiotherapy, chiropractic, psychology, dietetics and osteopathy | 2 months |
| Physiotherapy | $38 a visit first, then $32 a visit | $500shared with general dental, major dental, endodontic (root canal), non-pbs medications, chiropractic, psychology, dietetics and osteopathy | 2 months |
| Chiropractic | $41 a visit first, then $28 a visit | $500shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, psychology, dietetics and osteopathy | 2 months |
| Psychology | $101 a visit first, then $88 a visit | $500shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, dietetics and osteopathy | None |
| Acupuncture | $27 a visit first, then $20 a visit | $150shared with optical, remedial massage, chinese herbal medicine and exercise physiology | 2 months |
| Remedial Massage | $38 a visit first, then $26 a visit | $150shared with optical, acupuncture, chinese herbal medicine and exercise physiology | 2 months |
| Chinese Herbal Medicine | $16 a visit | $150shared with optical, acupuncture, remedial massage and exercise physiology | 2 months |
| Dietetics | $45 a visit first, then $25 a visit | $500shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology and osteopathy | 2 months |
| Exercise Physiology | $16 a visit first, then $10 a visit | $150shared with optical, acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Osteopathy | $41 a visit first, then $28 a visit | $500shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology and dietetics | 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
Special waiting period rules may apply.
What it costs
| State | Single | Couple |
|---|---|---|
| NSW | $38.05 | $76.10 |
| VIC | $40.65 | $81.30 |
| QLD | $40.05 | $80.10 |
| WA | $38.20 | $76.40 |
| SA | $41.95 | $83.90 |
| TAS | $35.90 | $71.80 |
| NT | $35.05 | $70.10 |
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 I91/NGDS10 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.