Why extras?
Extras cover is for services generally not covered by Medicare, such as dental, optical items and physiotherapy.
The best thing about Extras cover is you can receive benefits back (up to limits) if you decide to take a proactive approach to your family's health and wellbeing with regular check-ups and treatments.
You will need to serve waiting periods before you can claim on Extras services under your cover, including 12 months for orthodontic and some dental services. The amount you can claim is usually capped by annual limits (or in the case of orthodontics, a lifetime limit).
The amount you can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.
FAQs
Important information you need to know.
We provide 100% back on extras for kids on Silver Plus Families & Growing Family covers at Members’ Choice providers, up to annual limits.³ Everyone in your family can also get 100% back on up to two dental check-ups per calendar year, including x-rays, at any Members’ Choice Advantage dentist, up to annual limits. The same goes for optical at all recognised providers, up to annual limits.
Yes, you can choose from a range of hospital covers to add to your family’s extras cover at any time. This is called combined cover. Click ‘view details’ on an extras cover of your choosing above to find out more.
Waiting periods apply to both hospital and extras covers. For extras, these range from as little as 1 day for ambulance services, 12 months for orthodontics and major dental services, 24 months for blood glucose monitor and blood pressure monitors and 36 months for hearing aids~. Waiting periods are always listed alongside your cover inclusions and annual limits, and in the cover summary. If you’re unsure, chat to one of our experts to find out more.
Your orthodontic entitlement starts with an opening balance, which you can access once your 12 month waiting period is served. The balance is then topped up with an additional amount each 1 January (following the completion of your waiting period) up to a maximum lifetime limit. The benefit you can claim (after serving your waiting period) = Opening Balance + Any top ups - Any benefits ever claimed. Benefits will only be paid towards dental and orthodontic treatments that are administered in person (not via phone or online), by a recognised provider.
| Cover | Opening Balance | Annual top ups | Top ups lifetime limit |
| Growing Family 60 Extras |
$100 | $100 | $1,200 |
| Growing Family 70 Extras | $200 | $200 | $2,400 |
| Silver Plus Families* | $400 | $200 | $1,200 |
| Top Extras 60 | $400 | $200 | $1,200 |
| Top Extras 75 | $800 | $400 | $2,400 |
| Top Extras 90 | $1,000 | $500 | $3,000 |
| Gold Ultra Health* | $1,500 | $500 | $3,500 |
| Dates | What you get towards orthodontics each year | Your available balance if no claim has been made** |
| Date joined - 31 Dec 2021 |
$1,000 opening balance | X^ |
| 1 Jan 2022 - 31 Dec 2022 | X | $1,000 |
| 1 Jan 2023 - 31 Dec 2023 | $500 (top up) |
$1,500 |
| 1 Jan 2024 - 31 Dec 2024 | $500 (top up) |
$2,000 |
| 1 Jan 2025 - 31 Dec 2025 | $500 (top up) |
$2,500 |
| 1 Jan 2026 - 31 Dec 2026 | $500 (final top up) |
$3,000 (lifetime limit) |
Child Dependants can stay on their parent’s cover until they’re 21, or, in some cases, as a Student Dependant or an Adult Dependant until they turn 31, provided they're not married or in a de facto relationship.
Learn more about Child, Student and Adult Dependants
All Medibank family extras covers pay benefits towards general dental services such as extractions and fillings. Plus, everyone in your family with eligible Medibank extras cover can get 100% back on up to two dental check-ups per calendar year, including x-rays, at any Members’ Choice Advantage dentist, up to annual limits¹. Some services, like major dental for root canals or crowns, require a higher level of extras cover. If you’re unsure, chat to one of our experts to find out more.
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Supporting your family's health and wellbeing
100% back on dental check-ups twice a year on eligible extras¹
Here’s something to smile about – Medibank members with eligible extras cover for two months or more get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.1
100% back on optical on eligible extras²
At Medibank we think you deserve to see the world clearly. That's why when you join eligible Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.2
100% back on kids extras
Looking after your family can be costly, so we provide 100% back on extras for kids on Silver Plus Families & Growing Family covers at Members’ Choice providers, up to annual limits.3
One of the largest health provider networks in Australia
We’ll help you make the most of your cover, with access to more than 3,800 Members’ Choice extras practices.
Things you should know
# Subject to annual and lifetime limits. Waiting periods apply, including 12 months for orthodontics and some dental services.
~ Some items and services may require a Referral Letter and may have a benefit replacement period. Please see the Cover Summary or Member Guide for more information.
* Available as a package only.
** If you make a claim, the amount you have claimed will be subtracted from the amount below.
^ Benefits will not be paid for claims made while you are serving waiting periods.
1 Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.
2 Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). Applies to prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331. 6 month waiting period applies.
3 Other out-of-pocket expenses and waiting periods may apply. For child (up to 21 years) and full-time student (up to 25 years) dependants. Members’ Choice providers not available in all areas.