Making the most of your cover

Extras explained

Pro-actively using your extras services, whether it's a visit to a physio, optometrist or dentist, can keep you healthy. 

It’s like getting your car serviced to ensure it doesn’t break down. Most extras policies allow you to claim between 55-100% of the cost of the service back, provided it is included in your cover and up to your annual limit. You can check your remaining limits and submit a claim by logging into our Online Member Services (OMS).

The amount you pay to cover the difference between the service cost and the benefit paid by Medibank is commonly referred to as out of pocket, or gap. Generally speaking, the higher your level of cover, the higher your percentage back, and lower your out of pockets.

Members' Choice

As one of the largest health provider networks in Australia (over 12,000 provider locations) you’re bound to find a Members’ Choice provider near you.

When it comes to getting better value for money, it’s hard to go past Members’ Choice. We’ve negotiated with Members’ Choice providers to reduce your out-of-pockets on particular services. This means there are no surprises when the bill arrives. On top of that, some of our extras covers allow you to claim 100% back on services such as dental scale & cleans#, and optical*.

If your extras provider isn’t part of the Members’ Choice network don’t worry; as long as they’re a Medibank-recognised provider, you can still claim on these services.

Regularly review cover

Reassessing your current level of cover may be just what the doctor ordered to give you better value from your policy. 

As our lives change, so do our health needs. Whether you're single, married, have a family or enjoying retirement, you may be reaching your annual limit faster than you thought. Whether it be more claimable services or a higher claiming limit, a health cover review can help you find the right level of cover for your changing needs.