We currently have both hospital and extras cover. I am pregnant and due with our first bub in Nov - so our family is expanding. We are going through the pregnancy through our hospital cover.
It is costing us about $330 a month - which is soon going to jump to nearly $500 (!) after the means testing comes in next month.
We are thinking about reducing to have hospital cover only - this will save us $1,800 per year! We have an optometrist in the family so don't need to worry about that plus when we use dental we end up more out of pocket then what we get back.
Just wondering if anyone has used a lot of extra cover for a young child? What would a baby use?