Compare Extras Cover

The table on the following pages highlights the differences between CBHS Extras covers and will help you decide which one is right for you. All category limits listed are per person. 

CBHS uses a “Limit Bank” system to determine the benefits that are available to you. For information on how the “Limit Bank” works, click here.

	MAXIMUM PAYMENT 70% of the cost up to:	Top Extras	Intermediate Extras	Essentials Extras	Limit Bank period (years)
Essential Dental1
Periodic examination (012)	$33	UNLIMITED	$200	$150	1
X-Ray (022)	$23
Removal of plaque (111)	$38
Removal of calculus (114)	$60
Flouride application (121)	$25
Mouthguard (151)	$85
Fissure sealing (161)	$27
Health Checks (Where not claimable from another source)
Mammograms	70%	$200	$200	$200	1
Bone density tests	70%
Skin cancer screening	70%
Bowel/prostate cancer screening	70%
CT gates scans	70%
Health Maintenance
Quit smoking programs2	70%	$100	$100	$100	1
Weight management programs3	70%
Stress management courses4	70%
Gym membership5	70%	$100	$100	$100
Blood glucose accessories	70%	$320	$100	$100
Dietician consultation	70%	$360	$100	$100
Essential Dental (2 month waiting period)
See ESSENTIALS above
General Dental1 (2 month waiting period)
Filling: 1 surface metallic (511)	$61	UNLIMITED	$200	$150	1
Filling: 3 surface metallic (513)	$84
Filling: 1 surface tooth-coloured (531)	$68
Filling: 3 surface tooth-coloured (533)	$100
Consultations	$28-$40
X-rays	$19-$42
General Dental Plus1 (2 month waiting period)
Diagnostic model (071)	$24	UNLIMITED	$150	-	1
Enamel micro-abrasion (116)	$44
Surgical Dental1 (6 month waiting period)
Extraction of full tooth6    (311)	$70	UNLIMITED	$150	-	1
Other surgical procedures6	$50-$205
Periodontics (gum treatment)	$60-$250	$630	$400	-
Endonontics (root canal treatment)	$40-$180	$660
Major Dental1 (12 month waiting period)
Inlays/Onlays/Facings9	$360	$1,440	-	-	5
Crowns and Bridges	$680 per tooth	$3,000	-	-
Dentures and Implants9	$210-$810	$1,200	-	-
Orthodontia	-	$2,200	-	-	Life
Occlusal therapy10	$260 per splint	$920	-	-
Frames Frames   $140 $90 $70 Lenses                 Single Vision (pair)   $104 $350 $60 $250 $60 $180 1 Bifocal (pair)   $130 $60 $60 Trifocal (pair)   $150 $90 $60 Multifocal (pair)   $200 $90 $60 Contacts                 Contact Lenses   $210   $150   $130
Physiotherapy (Initial Cons)	$61	$720	$250	$200	1
Physiotherapy (Std Cons)	$35
Chiropractic (Initial Cons)	$61	$720	$250
Chiropractic (Std Cons)	$35
Osteopathy (Initial Cons)	$61	$720
Osteopathy (Std Cons)	$35
Occupational Therapy	$35	$720	-	-
Speech Therapy	$40	$1,850	-	-
Ante natal /post natal physiotherapy	$105	$105	-	-
Clinical Psychology	70%	$450	-	-
Podiatry	$30	$400	-	-
Audiology	70%	$360	-	-
Orthoptic Therapy	70%	$450	-	-
Natural Therapies (mouse over for more) Buteyko, Herbal Medicine Consultation, Homeopathy, Naturopathy, Nutrition	$33	$450	$300	-	1
Oriental Therapies (mouse over for more) Acupressure, Acupuncture, Chinese Herbalism Consultation, Chinese Massage, Kinesiology, Reflexology, Shiatsu, Traditional Chinese Herbalism, Traditional Chinese Medicine	$33	$450		-
Massage Therapies (mouse over for more) Alexander Technique, Aromatherapy, Bowen Therapy, Deep Tissue, Feldenkrais Therapy, Lymphatic Drainage, Myotherapy, Remedial Massage, Rolfing, Sports Massage, Swedish Massage, Therapeutic Massage	$33	$450		-
Artificial Aids7	70%	$1,000	-	-	3
Hearing Aids8	70%	$1,500	-	-
Blood pressure monitor, nebuliser, glucometer7	70%	$500	$300	-
Home visits by Registered Nurse	$80 (<4 hrs) $120 (>4 hrs)	$2,800	-	-	1
Pharmaceuticals11 (non-PBS drugs requiring prescription by law). NOTE: legislation requires CBHS to deduct the current prescribed charge	Prescribed charge up to $150	$1,000	$300	$200

1. The application of rules for dental services and related benefit payments can be a complex matter. The most accurate way to assess benefits in advance for a specific dental procedure is to fax or email your dental quote, including item numbers and itemised costs, or call us.
2. Quit smoking programs (including nicotine replacement therapy, certain brands of patches, inhalers and gums) must be approved by CBHS and received as part of a health management program intended to prevent or ameliorate a specific health condition.
3. Weight management programs must be approved by CBHS and received as part of a health management program intended to prevent or ameliorate a specific health condition. NOTE: Benefits are not payable for meals or special food.
4. Stress management courses (including Hatha, Ashtanga, Iyengar and Bikram yoga: minimum 8 classes) must be approved by CBHS and received as part of a health management program intended to prevent or ameliorate a specific health condition.
5. Gym membership (min. 3 months) must be approved by CBHS and received as part of a health management program intended to prevent or ameliorate a specific health condition. Per person, per calendar year.
6. 2 months waiting period applies to 'Extraction of Full Tooth' and 'Other Surgical Procedures'
7. Where referred by a doctor and recognised by CBHS as essential to a member's health care needs.
8. Where benefits are not payable from any other source.
9. 6 months waiting periods applies to Inlays/Onlays/Facings and Dentures and Implants.
10. 2 months waiting period applies to Occlusal Therapy.
11. Benefits for pharmaceuticals are paid per peron, per calendar year.

Maximum Payment

All CBHS Extras benefits are subject to a Maximum Payment level. Generally, the Maximum Payment for an individual Extras service is 70% of the service cost up to a pre-determined maximum amount.

Example
The Maximum Payment for the service 'Extraction of a full tooth' is 70% of the cost up to $70.

If your dentist charges you $80 for this service, you would receive a benefit payment of $56 (70% of $80 is $56).

If your dentist charges you $110 for this service, you would receive a benefit payment of $70. While 70% of $110 is $77, the Maximum Payment available for this service is $70 - the amount you would receive.

1. Where referred by a doctor and recognised by CBHS as essential to a member's health care needs.
2. Where benefits are not payable from any other source.

 This information should be read carefully and retained.