Extras are everyday services that you may use to stay healthy. This includes going to the dentist, physio, chiro or even a new pair of glasses. Most of these services are not covered by Medicare.
With nib you get 50%, 65% or 75% of the cost back on Extras like dental and optical. You'll get this every time you claim until you reach your annual limit. So it doesn't matter how much your dentist, chiro or physio charges, you'll get 50%, 65% or 75% of the cost back. How much you'll get back depends on the health cover you've chosen.
For example, on Top Cover if your dentist charges $140 for a scale and clean you'll get $105 back from nib. That's 75% of the cost back to you. It's that simple.
Some of nib's older health covers may not pay benefits this way. If you'd like to change to a health cover that does pay 50%, 65% or 75% back on Extras, it might be time for a health cover review