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My Choice Extras Complete 75

A Extras-only product from Medibank. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

Services covered (25)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	NSW / ACT Periodic exam (012): $27.60 Scale and clean (114): $50 Fluoride (121): $16.70 Extraction (322): $125 VIC Periodic exam (012): $26.50 Scale and clean (114): $51.20 Fluoride (121): $16 Extraction (322): $109.20 QLD Periodic exam (012): $26.50 Scale and clean (114): $50.60 Fluoride (121): $14.40 Extraction (322): $113.90 WA Periodic exam (012): $27 Scale and clean (114): $51.20 Fluoride (121): $15.50 Extraction (322): $106.50 SA Periodic exam (012): $26.50 Scale and clean (114): $51.70 Fluoride (121): $15.60 Extraction (322): $109.30 TAS Periodic exam (012): $30.50 Scale and clean (114): $51.20 Fluoride (121): $16.70 Extraction (322): $126.50 NT Periodic exam (012): $41.90 Scale and clean (114): $62.10 Fluoride (121): $15 Extraction (322): $143.60	Not stated
Major dental	12 months	NSW / ACT Full crown, veneered (615): $775.50 VIC Full crown, veneered (615): $746.80 QLD Full crown, veneered (615): $775.40 WA Full crown, veneered (615): $700.80 SA Full crown, veneered (615): $723.80 TAS Full crown, veneered (615): $787.10 NT Full crown, veneered (615): $832.90	$1,000 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	NSW / ACT Root canal obturation (417): $123.60 VIC Root canal obturation (417): $135.10 QLD Root canal obturation (417): $152.30 WA Root canal obturation (417): $126.50 SA Root canal obturation (417): $136.40 TAS Root canal obturation (417): $146.60 NT Root canal obturation (417): $137.90	$1,000 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 100% of the fee	Not stated
Glasses and contact lenses	6 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$225 a yearShared with Orthoptics
Non-PBS prescription medicines	2 months	Per prescription: $31	$400 a yearShared with Psychology, Vaccinations
Physiotherapy	2 months	NSW / ACT Initial visit: $43.90 Subsequent visit: $36 VIC Initial visit: $44.60 Subsequent visit: $34.70 QLD Initial visit: $45.20 Subsequent visit: $37.30 WA Initial visit: $43.30 Subsequent visit: $36.70 SA Initial visit: $40.60 Subsequent visit: $34.10 TAS Initial visit: $43.90 Subsequent visit: $36.70 NT Initial visit: $51.10 Subsequent visit: $41.30	$600 a yearShared with Chiropractic, Acupuncture, Chinese herbal medicine, Exercise physiology, Osteopathy
Chiropractic	2 months	NSW / ACT Initial visit: $48.50 Subsequent visit: $32.10 VIC Initial visit: $44.60 Subsequent visit: $30.10 QLD Initial visit: $42.60 Subsequent visit: $29.50 WA Initial visit: $44.60 Subsequent visit: $29.50 SA Initial visit: $43.30 Subsequent visit: $28.20 TAS Initial visit: $43.20 Subsequent visit: $31.40 NT Initial visit: $45.80 Subsequent visit: $31.40	$600 a yearShared with Physiotherapy, Acupuncture, Chinese herbal medicine, Exercise physiology, Osteopathy
Podiatry	2 months	NSW / ACT Initial visit: $39 Subsequent visit: $33.30 VIC Initial visit: $39.30 Subsequent visit: $30.60 QLD Initial visit: $38.90 Subsequent visit: $32.70 WA Initial visit: $41.50 Subsequent visit: $31.20 SA Initial visit: $38.70 Subsequent visit: $30 TAS Initial visit: $38.10 Subsequent visit: $30.60 NT Initial visit: $39.20 Subsequent visit: $32.20	$300 a yearShared with Orthotics
Psychology	No waiting period	NSW / ACT Initial visit: $112.96 Subsequent visit: $93.55 VIC Initial visit: $113.71 Subsequent visit: $94.17 QLD Initial visit: $107.78 Subsequent visit: $89.26 WA Initial visit: $128.52 Subsequent visit: $106.44 SA Initial visit: $131.96 Subsequent visit: $109.28 TAS Initial visit: $105.89 Subsequent visit: $87.69 NT Initial visit: $123.62 Subsequent visit: $102.37	$400 a yearShared with Non-PBS prescription medicines, Vaccinations
Acupuncture	2 months	NSW / ACT Initial visit: $29 Subsequent visit: $19 VIC Initial visit: $33.40 Subsequent visit: $23.70 QLD Initial visit: $32.30 Subsequent visit: $24.80 WA Initial visit: $36.90 Subsequent visit: $29.40 SA Initial visit: $31.70 Subsequent visit: $24.80 TAS Initial visit: $34.60 Subsequent visit: $26 NT Initial visit: $32.20 Subsequent visit: $30.60	$600 a yearShared with Physiotherapy, Chiropractic, Chinese herbal medicine, Exercise physiology, Osteopathy
Remedial massage	2 months	NSW / ACT, QLD, WA Initial visit: $40.30 Subsequent visit: $25.90 VIC Initial visit: $40.40 Subsequent visit: $25.90 SA, TAS Initial visit: $37.40 Subsequent visit: $25.90 NT Initial visit: $49 Subsequent visit: $37.40	$200 a year
Hearing aids	36 months	Per hearing aid: 100% of the fee	$800 a year
Blood glucose monitors	24 months	Blood glucose monitor: 75% of the fee	$600 a yearShared with Dietetics
Antenatal and postnatal care	2 months	Initial visit: $30 Subsequent visit: $30	$600 a yearShared with Occupational therapy, Speech therapy
Chinese herbal medicine	2 months	Initial visit: $21.50 Subsequent visit: $21.50	$600 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Exercise physiology, Osteopathy
Dietetics	2 months	NSW / ACT Initial visit: $52.50 Subsequent visit: $29 VIC Initial visit: $48.10 Subsequent visit: $30.20 QLD Initial visit: $48.10 Subsequent visit: $30 WA Initial visit: $47.30 Subsequent visit: $26.20 SA Initial visit: $53.80 Subsequent visit: $26.40 TAS Initial visit: $54 Subsequent visit: $29.80 NT Initial visit: $51.90 Subsequent visit: $26.50	$600 a yearShared with Blood glucose monitors
Exercise physiology	2 months	Initial visit: $21.50 Subsequent visit: $12	$600 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Chinese herbal medicine, Osteopathy
Orthoptics	2 months	Initial visit: $45 Subsequent visit: $35	$225 a yearShared with Glasses and contact lenses
Health management programs	2 months	Health management program: $83	$200 a year
Occupational therapy	2 months	NSW / ACT Initial visit: $59.80 Subsequent visit: $35.50 VIC Initial visit: $45 Subsequent visit: $32.80 QLD Initial visit: $51.20 Subsequent visit: $34.50 WA Initial visit: $48.30 Subsequent visit: $27.30 SA Initial visit: $51.10 Subsequent visit: $32.80 TAS Initial visit: $58.90 Subsequent visit: $43.20 NT Initial visit: $99.20 Subsequent visit: $41.10	$600 a yearShared with Antenatal and postnatal care, Speech therapy
Orthotics	2 months	Per pair of orthotics: 75% of the fee	$300 a yearShared with Podiatry
Osteopathy	2 months	NSW / ACT Initial visit: $48.50 Subsequent visit: $32.10 VIC Initial visit: $44.60 Subsequent visit: $30.10 QLD Initial visit: $42.60 Subsequent visit: $29.50 WA Initial visit: $44.60 Subsequent visit: $29.50 SA Initial visit: $43.30 Subsequent visit: $28.20 TAS Initial visit: $43.20 Subsequent visit: $31.40 NT Initial visit: $45.80 Subsequent visit: $31.40	$600 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Chinese herbal medicine, Exercise physiology
Speech therapy	2 months	NSW / ACT Initial visit: $75.40 Subsequent visit: $35 VIC Initial visit: $69.30 Subsequent visit: $39.80 QLD Initial visit: $66.50 Subsequent visit: $33.60 WA Initial visit: $78 Subsequent visit: $37.10 SA Initial visit: $70.30 Subsequent visit: $41.70 TAS Initial visit: $56.50 Subsequent visit: $38.10 NT Initial visit: $68 Subsequent visit: $39.60	$600 a yearShared with Antenatal and postnatal care, Occupational therapy
Vaccinations	2 months	Per vaccination: 100% of the fee	$400 a yearShared with Non-PBS prescription medicines, Psychology

Not covered: Audiology (hearing tests), Home nursing

Annual limits

Services in the same group share one limit.

General dental
Not stated
Major dental, Root canal (endodontics)
$1,000 a year
Orthodontics (braces)
Not stated
Glasses and contact lenses, Orthoptics
$225 a year
Non-PBS prescription medicines, Psychology, Vaccinations
$400 a year
Physiotherapy, Chiropractic, Acupuncture, Chinese herbal medicine, Exercise physiology, Osteopathy
$600 a year
Podiatry, Orthotics
$300 a year
Remedial massage
$200 a year
Hearing aids
$800 a year, 1 per 5 years
Blood glucose monitors, Dietetics
$600 a year, 1 per 3 years
Also includes other services not listed
Antenatal and postnatal care, Occupational therapy, Speech therapy
$600 a year
Also includes other services not listed
Health management programs
$200 a year

Insurer's notes (original English)

Other services

- Health appliance and external prostheses (2mth waiting period) , Blood pressure monitor (24 mth waiting period) and Breathing appliances (12 mth waiting period), Health subscriptions (refer to Medibank for approved organisations), Health screening tests (where no Medicare benefit is payable), (2 mth waiting period) included with Blood glucose monitors. -Benefits for antenatal and postnatal services including birthing courses and lactation consultations with a registered midwife in private practice. Plus benefits towards Pregnancy compression garments (2 mth waiting period), $60 per garment, Tens machine (2 mth waiting period), hired device $50 and purchased device $100. Australian Breastfeeding Association membership (2 mth waiting period) $50. -Health Management Programs (Health Support Benefits) (2 mth waiting period) - Quit Smoking Course - $80, Nicotine Replacement Therapy - $25, Exercise Class - $13, Gym membership - $125, Personal training session - $20, Weight management class - $12, Weight management course - $83. Must be approved by a health practitioner. Please contact Medibank for more information about these other services.

Special features

A 12 month waiting period applies to surgical tooth extraction. Exercise physiology benefit is $21.50 for individual consultations and $12.00 for group consultations. Counselling (no waiting period) shares an annual limit with Psychology. Vaccinations - non-PBS listed flu vaccinations only. Health Management benefit shown is the benefit for an approved weight management course, various benefits apply to the other services, please refer to the bottom of this PHIS.

Frequently asked questions

How much does My Choice Extras Complete 75 pay for a scale and clean?

According to government data, My Choice Extras Complete 75 pays up to $50 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: Not stated.

What are the waiting periods for My Choice Extras Complete 75?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 6 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology No waiting period, Acupuncture 2 months, Remedial massage 2 months, Hearing aids 36 months, Blood glucose monitors 24 months, Antenatal and postnatal care 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 2 months, Occupational therapy 2 months, Orthotics 2 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.

Can My Choice Extras Complete 75 be bought on its own?

Yes. This product doesn't need to be held with hospital cover.

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