Should I get “extras” with my private health insurance?

A question we often field is “which insurance company should I purchase my orthodontic and dental cover with to maximise my rebate?” The experts say that paying for “extras” just doesn’t add up. In an extraordinarily candid assessment for a top bureaucrat, Private Health Insurance Administration Council CEO Shaun Gath told News Corp Australia extras cover was an “irrational” purchase for most people because the premium paid was more than the benefits derived. People would be better off paying for dental, optical and other general treatments out of their own pocket, the industry regulator says. See more at http://www.news.com.au/lifestyle/health/experts-say-having-extras-private-health-insurance-doesnt-make-financial-sense/story-fneuz9ev-1227283386056