Members' Choice


What is Member's Choice?

Better value, transparency of cost, and a wider range of available services. Just some of the benefits of choosing Members’ Choice, one of the largest health provider networks in Australia.

Members’ Choice Hospitals

Medibank has arrangements with most private hospitals and day surgeries in Australia, so members can generally get better value for covered treatments than if they were to go to a non-Members’ Choice hospital.

Members’ Choice extras providers

We’ve negotiated with a number of providers so you may enjoy better value when you need an extras service. Our Members' Choice extras network covers more types of services than any other private health insurer, and includes:

  • Dentists
  • Dental prosthetists
  • Optical retail outlets
  • Chiropractors
  • Physiotherapists
  • Podiatrists
  • Acupuncturists
  • Remedial massage therapists

Benefits of visiting a Members' Choice provider

  • Capped prices so there are no surprises in your bill^
  • Discounts at optical retailers and for orthotics
  • Percentage back of charge. This could be 55%, 60%, 70%, 75%, 90% or 100% depending on your cover*
  • A wider range of extras services than other insurers
  • Generally lower out-of-pockets than non-Members' Choice providers
  • Members with eligible extras cover can get 100% back at least one dental check-up at a Members’ Choice dentist every calendar year, excluding x-rays.**

Members’ Choice Advantage providers

We’ve established a new enhanced network of dental and optical providers so you may enjoy even better value when you need to use eligible extras services. Our Members’ Choice Advantage provider for optical products is Specsavers .You can locate Members’ Choice Advantage dental practices in our Find a Provider tool.

Benefits of visiting a Members’ Choice Advantage Dental provider

Members with eligible extras cover can get 100% back on up to two dental check-ups at a Members’ Choice Advantage dentist every calendar year, including x-rays (if clinically required).**

You can also receive 100% back on a mouthguard each year, up to annual limits. Excludes Healthy Living Extras.***

Benefits of visiting a Members’ Choice Advantage Optical provider

Medibank members with eligible extras get 100% back on optical items (up to your annual limit) at any recognised provider. Some glasses lens coatings and contact lenses are excluded and waiting periods apply.****

  • 100% back on 2 pairs of single vision glasses from the $249 range, regardless of their extras limit.****
  • 25% off single frames, if not part of the bundle, when they purchase from the $149 range and above
  • 25% off lens options, such as tint and coating
  • Multi-focals for $199 no gap with standard lenses
  • Earn 5 Live Better rewards points for every dollar you spend on prescription items from our Members’ Choice Advantage optical provider Specsavers. Offer available instore and online to eligible Medibank members with optical included in their extras cover, or in store only for eligible Medibank members with hospital cover or Healthy Living Extras cover. ~

How does it work?

Here's an example of how you can do better with Members' Choice.

Elizabeth has Top Extras 75 cover and lives in NSW. The table below shows, typically, how much she can save when she visits a Members' Choice physiotherapist for a consultation.

  Members' Choice provider Non Members' Choice provider
Charge $76.00 (capped charge) $84.00#
Benefit payable $57.00 (75% of the charge) $40.00 (fixed benefit)
Out of pocket cost $19.00 $44.00

Benefits are subject to annual membership limits and waiting periods.

Our agreements with Members' Choice and Members' Choice Advantage providers are subject to change without notice. Please confirm prior to receiving treatment whether your provider is part of our Members’ Choice network.

You can search for your local Members' Choice providers.

For more information please call us on 132 331 or visit a Medibank store.

The information above is current at June 2021.

^ Excludes optical retail outlets.

* Up to annual limits. Waiting periods apply. Members’ Choice providers are not available in some areas.

** 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.

*** Two month waiting period applies. Not available in all areas. Excludes Healthy Living Extras.

**** 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.

# Average Non-Members’ Choice charge in NSW for a subsequent physiotherapy consultation between January - September 2020.

~ Points cannot be earned on the cost of any services (including eye tests), on purchases paid for with a Specsavers gift card or on non-prescription goods such as non-prescription sunglasses, safety glasses, protective glasses or precision tinted lenses. All optical items offered are subject to availability and are subject to Specsavers Terms of Service and Returns & Warranty policies. For in-store purchases, you must use your Medibank membership card through HICAPS at the time of purchase to earn Live Better rewards points. This applies even if you have hospital only cover or have already reached your annual optical extras limit. If you have extras cover and any annual optical extras limit remaining, you will also be submitting a claim for benefits. For online purchases at, you must submit an extras claim for prescription optical goods to earn Live Better rewards points. Members with hospital only cover, or Healthy Living Extras cover cannot earn points for online purchases. Points earned will be displayed in your Live Better rewards account within 5 business days, or once you have signed up to Medibank Live Better rewards with the My Medibank app within 6 months, from the date of your in-store purchase or making an extras claim for online purchases. A maximum of 10,000 Live Better rewards points can be earned per transaction. This offer may be withdrawn or changed at any time. Live Better rewards points earned from claims for children under 18 years of age will go to the policy holder’s account. A maximum of 10,000 Live Better rewards points can be earned per transaction. This offer may be withdrawn or changed at any time.