Medibank extras cover
Is Medibank My Choice Extras Family 75 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 $117.15 a month before the rebate, $88.90 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
$1,039 behind
That costs $200 with no cover. On this policy you’d pay $1,067 in premiums and get $28 back.
183rd of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,029 better off over the year.
Two dental visits and new glasses
$787 behind
That costs $700 with no cover. On this policy you’d pay $1,067 in premiums and get $280 back.
154th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $836 better off over the year.
Two dental visits, new glasses and six physio sessions
$571 behind
That costs $1,240 with no cover. On this policy you’d pay $1,067 in premiums and get $496 back.
145th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $940 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 | Not published | 2 months |
| Major Dental | $776 a visit | $1,000shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $124 a visit | $1,000shared with major dental | 12 months |
| Orthodontic | 100% of the fee | Not published | 12 months |
| Optical | 100% of the fee | $225shared with orthoptics | 6 months |
| Non-PBS Medications | $31 a visit | $400shared with psychology and vaccinations | 2 months |
| Physiotherapy | $44 a visit first, then $36 a visit | $600shared with chiropractic, acupuncture, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Chiropractic | $49 a visit first, then $32 a visit | $600shared with physiotherapy, acupuncture, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Psychology | $113 a visit first, then $94 a visit | $400shared with non-pbs medications and vaccinations | None |
| Acupuncture | $29 a visit first, then $19 a visit | $600shared with physiotherapy, chiropractic, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Remedial Massage | $40 a visit first, then $26 a visit | $200 | 2 months |
| Antenatal/Postnatal | $30 a visit | $600shared with occupational therapy and speech therapy | 2 months |
| Chinese Herbal Medicine | $22 a visit | $600shared with physiotherapy, chiropractic, acupuncture, exercise physiology and osteopathy | 2 months |
| Exercise Physiology | $22 a visit first, then $12 a visit | $600shared with physiotherapy, chiropractic, acupuncture, chinese herbal medicine and osteopathy | 2 months |
| Orthoptics | $45 a visit first, then $35 a visit | $225shared with optical | 2 months |
| Occupational Therapy | $60 a visit first, then $36 a visit | $600shared with antenatal/postnatal and speech therapy | 2 months |
| Osteopathy | $49 a visit first, then $32 a visit | $600shared with physiotherapy, chiropractic, acupuncture, chinese herbal medicine and exercise physiology | 2 months |
| Speech Therapy | $75 a visit first, then $35 a visit | $600shared with antenatal/postnatal and occupational therapy | 2 months |
| Vaccinations | 100% of the fee | $400shared 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 | $117.15 | $234.30 | $240.10 | $222.50 |
| VIC | $108.55 | $217.10 | $222.50 | $206.20 |
| QLD | $108.55 | $217.10 | $222.50 | $206.20 |
| WA | $97.90 | $195.80 | $200.60 | $186.10 |
| SA | $109.60 | $219.20 | $224.60 | $208.20 |
| TAS | $89.35 | $178.70 | $183.10 | $169.80 |
| NT | $87.25 | $174.50 | $178.80 | $165.80 |
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 I116/NNLQ10 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.