Mildura Health extras cover
Is Mildura Health Base Extras and Dental - AD 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 $56.75 a month before the rebate, $43.06 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
$457 behind
That costs $200 with no cover. On this policy you’d pay $517 in premiums and get $60 back.
74th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $447 better off over the year.
Two dental visits and new glasses
$212 behind
That costs $700 with no cover. On this policy you’d pay $517 in premiums and get $305 back.
47th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $261 better off over the year.
Two dental visits, new glasses and six physio sessions
$168 behind
That costs $1,240 with no cover. On this policy you’d pay $517 in premiums and get $349 back.
85th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $537 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 | $60 a visit | $1,050shared with major dental, endodontic (root canal) and orthodontic | 2 months |
| Major Dental | Covered, amount not published as a set figure | $1,050shared with general dental, endodontic (root canal) and orthodontic | 2 months |
| Endodontic (Root Canal) | $200 a visit | $1,050shared with general dental, major dental and orthodontic | 2 months |
| Orthodontic | Covered, amount not published as a set figure | $1,050shared with general dental, major dental and endodontic (root canal) | 24 months |
| Optical | $185 a visit | $185 | 6 months |
| Non-PBS Medications | $15 a visit | $100shared with vaccinations | 2 months |
| Physiotherapy | $27 a visit first, then $24 a visit | $390shared with exercise physiology and occupational therapy | 2 months |
| Chiropractic | $25 a visit first, then $21 a visit | $390shared with osteopathy | 2 months |
| Podiatry | $31 a visit first, then $27 a visit | $390 | 2 months |
| Hearing Aids | Covered, amount not published as a set figure | $600shared with glucose monitor | 36 months |
| Glucose Monitor | Covered, amount not published as a set figure | $600shared with hearing aids | 36 months |
| Dietetics | $28 a visit first, then $25 a visit | $390 | 2 months |
| Exercise Physiology | $27 a visit first, then $24 a visit | $390shared with physiotherapy and occupational therapy | 2 months |
| Orthoptics | $27 a visit first, then $24 a visit | $390 | 2 months |
| Home Nursing | $12 a visit | $350 | 2 months |
| Occupational Therapy | $27 a visit first, then $24 a visit | $390shared with physiotherapy and exercise physiology | 2 months |
| Osteopathy | $27 a visit first, then $24 a visit | $390shared with chiropractic | 2 months |
| Speech Therapy | $37 a visit first, then $34 a visit | $390 | 2 months |
| Vaccinations | $15 a visit | $100shared with non-pbs medications | 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
Benefits are reduced in the first year of your membership.
Multiple services share a single annual limit pool.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| All states | $56.75 | $113.50 | $113.50 | $113.50 |
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 I6/AAAW10 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.