Teachers Health extras cover · restricted fund
Is Teachers Health Mid Extras 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 $57.65 a month before the rebate, $43.75 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
$525 behind
That costs $200 with no cover. On this policy you’d pay $525 in premiums and get $0 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 96th. nib’s DentalPass does best, $515 better off over the year.
Two dental visits and new glasses
$325 behind
That costs $700 with no cover. On this policy you’d pay $525 in premiums and get $200 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 79th. Latrobe’s Core Essential Extras does best, $374 better off over the year.
Two dental visits, new glasses and six physio sessions
$325 behind
That costs $1,240 with no cover. On this policy you’d pay $525 in premiums and get $200 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 113th. HCF’s Flex My Extras does best, $694 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 | Covered, amount not published as a set figure | $500 | 2 months |
| Major Dental | $135 a visit | $300shared with endodontic (root canal) and orthodontic | 12 months |
| Endodontic (Root Canal) | $160 a visit | $300shared with major dental and orthodontic | 12 months |
| Orthodontic | $300 a visit | $300shared with major dental and endodontic (root canal) | 12 months |
| Optical | $200 a visit | $200 | 6 months |
| Non-PBS Medications | $60 a visit | $300shared with vaccinations | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | $300shared with exercise physiology | 2 months |
| Chiropractic | Covered, amount not published as a set figure | $250shared with osteopathy | 2 months |
| Podiatry | $40 a visit | $300 | 2 months |
| Psychology | $72 a visit | $350 | 2 months |
| Acupuncture | $38 a visit | $400shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | $38 a visit | $400shared with acupuncture and chinese herbal medicine | 2 months |
| Chinese Herbal Medicine | $38 a visit | $400shared with acupuncture and remedial massage | 2 months |
| Exercise Physiology | Covered, amount not published as a set figure | $300shared with physiotherapy | 2 months |
| Health Management | Covered, amount not published as a set figure | $200 | 6 months |
| Osteopathy | Covered, amount not published as a set figure | $250shared with chiropractic | 2 months |
| Vaccinations | $60 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.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $57.65 | $115.30 | $115.30 | $86.48 |
| VIC | $58.51 | $117.02 | $117.02 | $87.77 |
| QLD | $60.49 | $120.98 | $120.98 | $90.74 |
| WA | $58.80 | $117.60 | $117.60 | $88.20 |
| SA | $60.19 | $120.38 | $120.38 | $90.29 |
| TAS | $58.80 | $117.60 | $117.60 | $88.20 |
| NT | $53.69 | $107.38 | $107.38 | $80.54 |
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 I2/NCMJ10 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.