Mildura Health extras cover
Is Mildura Health Five Star Extras - E1 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 $112.25 a month before the rebate, $85.18 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
$962 behind
That costs $200 with no cover. On this policy you’d pay $1,022 in premiums and get $60 back.
172nd of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $952 better off over the year.
Two dental visits and new glasses
$622 behind
That costs $700 with no cover. On this policy you’d pay $1,022 in premiums and get $400 back.
130th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $672 better off over the year.
Two dental visits, new glasses and six physio sessions
$573 behind
That costs $1,240 with no cover. On this policy you’d pay $1,022 in premiums and get $449 back.
147th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $943 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 | $1,500shared with major dental, endodontic (root canal) and orthodontic | 2 months |
| Major Dental | Covered, amount not published as a set figure | $1,500shared with general dental, endodontic (root canal) and orthodontic | 2 months |
| Endodontic (Root Canal) | $242 a visit | $1,500shared with general dental, major dental and orthodontic | 2 months |
| Orthodontic | Covered, amount not published as a set figure | $1,500shared with general dental, major dental and endodontic (root canal) | 24 months |
| Optical | $280 a visit | $280 | 6 months |
| Non-PBS Medications | $45 a visit | $300shared with vaccinations | 2 months |
| Physiotherapy | $50 a visit first, then $45 a visit | $650shared with exercise physiology and occupational therapy | 2 months |
| Chiropractic | $40 a visit first, then $34 a visit | $600shared with osteopathy | 2 months |
| Podiatry | $48 a visit first, then $44 a visit | $650 | 2 months |
| Psychology | $70 a visit first, then $60 a visit | $650 | 2 months |
| Acupuncture | $36 a visit first, then $34 a visit | $600shared with remedial massage | 2 months |
| Remedial Massage | $36 a visit first, then $34 a visit | $600shared with acupuncture | 2 months |
| Hearing Aids | Covered, amount not published as a set figure | $1,200shared with glucose monitor | 36 months |
| Glucose Monitor | Covered, amount not published as a set figure | $1,200shared with hearing aids | 36 months |
| Dietetics | $44 a visit first, then $40 a visit | $650 | 2 months |
| Exercise Physiology | $50 a visit first, then $45 a visit | $650shared with physiotherapy and occupational therapy | 2 months |
| Orthoptics | $42 a visit first, then $38 a visit | $650 | 2 months |
| Health Management | 70% of the fee | $150 | 6 months |
| Home Nursing | $12 a visit | $600 | 2 months |
| Occupational Therapy | $50 a visit first, then $45 a visit | $650shared with physiotherapy and exercise physiology | 2 months |
| Osteopathy | $50 a visit first, then $45 a visit | $600shared with chiropractic | 2 months |
| Speech Therapy | $60 a visit first, then $55 a visit | $650 | 2 months |
| Vaccinations | $45 a visit | $300shared 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 | $112.25 | $224.50 | $224.50 | $224.50 |
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 I4/AAAO10 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.