Medibank extras cover
Is Medibank My Choice Extras Complete 90 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 $182.05 a month before the rebate, $138.14 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
$1,621 behind
That costs $200 with no cover. On this policy you’d pay $1,658 in premiums and get $36 back.
214th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,611 better off over the year.
Two dental visits and new glasses
$1,335 behind
That costs $700 with no cover. On this policy you’d pay $1,658 in premiums and get $323 back.
183rd of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $1,384 better off over the year.
Two dental visits, new glasses and six physio sessions
$1,068 behind
That costs $1,240 with no cover. On this policy you’d pay $1,658 in premiums and get $590 back.
177th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $1,437 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 | $36 a visit | Not published | 2 months |
| Major Dental | $1023 a visit | $1,200shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $163 a visit | $1,200shared with major dental | 12 months |
| Orthodontic | 100% of the fee | Not published | 12 months |
| Optical | 100% of the fee | $250shared with orthoptics | 6 months |
| Non-PBS Medications | $41 a visit | $600shared with psychology and vaccinations | 2 months |
| Physiotherapy | $54 a visit first, then $45 a visit | $1,000shared with chiropractic, acupuncture, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Chiropractic | $60 a visit first, then $40 a visit | $1,000shared with physiotherapy, acupuncture, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Podiatry | $51 a visit first, then $41 a visit | $400shared with orthotics | 2 months |
| Psychology | $161 a visit first, then $140 a visit | $600shared with non-pbs medications and vaccinations | None |
| Acupuncture | $37 a visit first, then $26 a visit | $1,000shared with physiotherapy, chiropractic, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Remedial Massage | $54 a visit first, then $35 a visit | $300 | 2 months |
| Hearing Aids | 100% of the fee | $1,200 | 36 months |
| Glucose Monitor | 90% of the fee | $800shared with dietetics | 24 months |
| Antenatal/Postnatal | $40 a visit | $800shared with occupational therapy and speech therapy | 2 months |
| Chinese Herbal Medicine | $27 a visit | $1,000shared with physiotherapy, chiropractic, acupuncture, exercise physiology and osteopathy | 2 months |
| Dietetics | $69 a visit first, then $38 a visit | $800shared with glucose monitor | 2 months |
| Exercise Physiology | $27 a visit first, then $15 a visit | $1,000shared with physiotherapy, chiropractic, acupuncture, chinese herbal medicine and osteopathy | 2 months |
| Orthoptics | $53 a visit first, then $43 a visit | $250shared with optical | 2 months |
| Health Management | Covered, amount not published as a set figure | $250 | 2 months |
| Occupational Therapy | $79 a visit first, then $47 a visit | $800shared with antenatal/postnatal and speech therapy | 2 months |
| Orthotics | 90% of the fee | $400shared with podiatry | 2 months |
| Osteopathy | $60 a visit first, then $40 a visit | $1,000shared with physiotherapy, chiropractic, acupuncture, chinese herbal medicine and exercise physiology | 2 months |
| Speech Therapy | $99 a visit first, then $46 a visit | $800shared with antenatal/postnatal and occupational therapy | 2 months |
| Vaccinations | 100% of the fee | $600shared 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 | $182.05 | $364.10 | $373.20 | $345.80 |
| VIC | $168.85 | $337.70 | $346.10 | $320.70 |
| QLD | $168.85 | $337.70 | $346.10 | $320.70 |
| WA | $152.30 | $304.60 | $312.20 | $289.30 |
| SA | $170.50 | $341.00 | $349.50 | $323.90 |
| TAS | $138.95 | $277.90 | $284.80 | $264.00 |
| NT | $135.70 | $271.40 | $278.10 | $257.80 |
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 I119/NMUO10 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.