Im curently thinking of switching health funds for extra cover, unfortunately i cant seem to find a better deal than what i have now.
Im currently paying about $26 per month, but the main problem is the dental annual limit is very low and i have to pay a gap of $50 per year (for 2 checkups in a year). I get 80% of optical up to $170 and i can also claim up to $40 per non-PBS script after the contribution charge, these 3 are the main things im interested in. Im on GMHBA now and they are currently paying $125 for preventive dental, with a $200 annual limit.
Im looking at www.privatehealth.gov.au but i dont see anything offering better value that what i am on now, the closest is HIF which will pay much better for dental so i end up with no gap, but their optical benefit is terrible ($90, and my glasses typicall cost $200 if bought online due to how expensive lenses are). So in total i would end up paying more of a gap.
Would anyone happen to know of a better deal somewhere? Im surprised by how god awful most extra cover is. Look at this : http://www.privatehealth.gov.au/dynamic/download.ashx?id=SPS…
$35 per month and you get less than a cheap $25 per month extra that other companies are offering. I dont get it. I also saw a cover that only gave 50% back but was $60 per month. That was even crazier.
I also dont get the point of super expensive cover that has a huge gap. You cant possibly get enough of your premium back, and extra cover is for routine stuff like dental and optical…
" also dont get the point of super expensive cover that has a huge gap. You cant possibly get enough of your premium back, and extra cover is for routine stuff like dental and optical…"
You are not supposed to it is a business set out to maximise profits…..:)