Medibank extras cover
Is Medibank My Choice Extras Complete 60 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 $83.70 a month before the rebate, $63.51 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
$739 behind
That costs $200 with no cover. On this policy you’d pay $762 in premiums and get $24 back.
141st of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $729 better off over the year.
Two dental visits and new glasses
$515 behind
That costs $700 with no cover. On this policy you’d pay $762 in premiums and get $247 back.
113th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $564 better off over the year.
Two dental visits, new glasses and six physio sessions
$350 behind
That costs $1,240 with no cover. On this policy you’d pay $762 in premiums and get $412 back.
117th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $720 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 | $600 | 2 months |
| Major Dental | $500 a visit | $700shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $105 a visit | $700shared with major dental | 12 months |
| Orthodontic | 100% of the fee | Not published | 12 months |
| Optical | 100% of the fee | $200shared with orthoptics | 6 months |
| Non-PBS Medications | $21 a visit | $200shared with psychology and vaccinations | 2 months |
| Physiotherapy | $34 a visit first, then $28 a visit | $500shared with chiropractic, acupuncture, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Chiropractic | $37 a visit first, then $24 a visit | $500shared with physiotherapy, acupuncture, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Podiatry | $33 a visit first, then $28 a visit | $200shared with orthotics | 2 months |
| Psychology | $101 a visit first, then $88 a visit | $200shared with non-pbs medications and vaccinations | None |
| Acupuncture | $23 a visit first, then $16 a visit | $500shared with physiotherapy, chiropractic, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Remedial Massage | $34 a visit first, then $22 a visit | $150 | 2 months |
| Hearing Aids | 100% of the fee | $400 | 36 months |
| Glucose Monitor | 60% of the fee | $400shared with dietetics | 24 months |
| Antenatal/Postnatal | $20 a visit | $400shared with occupational therapy and speech therapy | 2 months |
| Chinese Herbal Medicine | $16 a visit | $500shared with physiotherapy, chiropractic, acupuncture, exercise physiology and osteopathy | 2 months |
| Dietetics | $45 a visit first, then $25 a visit | $400shared with glucose monitor | 2 months |
| Exercise Physiology | $16 a visit first, then $10 a visit | $500shared with physiotherapy, chiropractic, acupuncture, chinese herbal medicine and osteopathy | 2 months |
| Orthoptics | $38 a visit first, then $28 a visit | $200shared with optical | 2 months |
| Health Management | $67 a visit | $150 | 2 months |
| Occupational Therapy | $51 a visit first, then $30 a visit | $400shared with antenatal/postnatal and speech therapy | 2 months |
| Orthotics | 60% of the fee | $200shared with podiatry | 2 months |
| Osteopathy | $37 a visit first, then $24 a visit | $500shared with physiotherapy, chiropractic, acupuncture, chinese herbal medicine and exercise physiology | 2 months |
| Speech Therapy | $64 a visit first, then $30 a visit | $400shared with antenatal/postnatal and occupational therapy | 2 months |
| Vaccinations | 100% of the fee | $200shared with non-pbs medications and psychology | 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 | Family | Single parent |
|---|---|---|---|---|
| NSW | $83.70 | $167.40 | $171.50 | $159.10 |
| VIC | $89.75 | $179.50 | $183.90 | $170.50 |
| QLD | $88.60 | $177.20 | $181.60 | $168.30 |
| WA | $83.70 | $167.40 | $171.50 | $159.10 |
| SA | $92.15 | $184.30 | $188.90 | $175.00 |
| TAS | $78.90 | $157.80 | $161.70 | $149.90 |
| NT | $76.55 | $153.10 | $156.90 | $145.40 |
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 I113/NNPA10 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.