Many Australians wonder whether extras cover is worth the additional premium cost. Extras cover includes services like dental, optical, physiotherapy, massage, and other allied health services not covered by Medicare or hospital insurance.
What Does Extras Cover Include?
Typical extras cover benefits include:
- Dental: General dentistry, major dental work, orthodontics
- Optical: Prescription glasses, contact lenses, eye tests
- Physiotherapy: Treatment for injuries and rehabilitation
- Psychology: Mental health consultations
- Chiropractic: Spinal and musculoskeletal treatments
- Massage therapy: Remedial and therapeutic massage
Cost-Benefit Analysis
To determine if extras cover is worthwhile:
- Calculate annual usage: Add up what you typically spend on dental, optical, and other services
- Compare to premiums: Compare this amount to the annual cost of extras cover
- Factor in annual limits: Most policies have annual benefit limits per service type
- Consider waiting periods: You can't claim immediately for most services - learn more about waiting periods
When Extras Cover Makes Sense
Extras cover typically provides good value if you:
- Have regular dental check-ups and treatments
- Wear prescription glasses or contacts
- Use physiotherapy or other allied health services regularly
- Have children who need orthodontic treatment
- Prefer preventive healthcare approaches
For comprehensive coverage planning, consider how extras cover fits with your hospital cover choice. Families often find extras cover particularly valuable for children's dental and optical needs.
Tips for Maximising Extras Value
To get the most from your extras cover:
- Use your annual limits: Don't let benefits go unused
- Plan treatments: Schedule check-ups and treatments strategically
- Understand provider networks: Use preferred providers for better rebates
- Keep receipts: Ensure you can claim all eligible expenses
FAQs
Can I add extras cover to hospital-only policies?
Yes, most insurers allow you to add extras cover to hospital-only policies, though combined policies often offer better value.
Do extras cover premiums count towards avoiding the Medicare Levy Surcharge?
No, only hospital cover counts towards avoiding the Medicare Levy Surcharge. Extras cover alone won't help you avoid this tax.
How quickly can I use my extras cover after signing up?
Waiting periods vary by service: general dental (2 months), major dental (6-12 months), optical (immediate to 6 months).