Use your extras before limits reset
Check and use your extras before your limits reset on 1 January
GMHBA extras limits reset on 1 January each year. Checking your remaining benefits in the member area or mobile app before 31 December can help you plan appointments and get more value from your cover.
Make the most of your extras in three simple steps
Log into in the GMHBA member area or mobile app to see your claims history and available limits.
End of year appointments fill up fast. Book early with your provider.
Many providers can claim for you on the spot - simply scan your GMHBA digital card or physical card.
What services can I claim?
You can claim eligible extras services, like dental, physio, and optical (if included in your cover) up to your available annual limits or sub-limits. Check your cover fact sheet in your member area to see the details of your cover inclusions.
Extras annual limits generally work on a ‘use it or lose it’ basis, this means unused benefits will be lost at the end of the year. Check your remaining limits before the end of the year to see what may have left to claim and plan eligible appointments before your limits reset on 1 January.
If you have SmartCare Boost Extras and eligible hospital cover, after 12-months of continous cover, your eligible unused extras limits (excluding optical) will roll over into the next year. Check your remaining limits before limits reset on 1 January.
Member savings and partner perks
*Savings are on all dental treatments. Must be a smile.com.au approved dentist. Savings may vary between dentists. It is recommended that members obtain a quote prior to treatment.
Being a GMHBA member comes with perks. Visit one of our participating retailers and enjoy exclusive member discounts. Even better, if you have optical cover, your benefit is applied after the discount, helping you get even more value from your membership.
How can I use my extras with GMHBA health services?
If you’re due for a check-up and clean, GMHBA Dental Care can help you stay on top of preventative dental care before your limits reset. Booking early may also give you time to discuss any follow-up treatment and understand how your remaining dental limits could apply.
If you need new prescription glasses or contact lenses, GMHBA Eye Care may help you use eligible optical benefits before the end of the year. Checking your remaining optical limits first can help you decide what to book and avoid leaving benefits unused.
GMHBA Physiotherapy can support members with physiotherapy appointments, injury management and ongoing treatment. If you’ve been delaying care or want to continue a treatment plan, checking your remaining limits and booking ahead can help you make the most of your cover before 31 December.
Limits explained
Annual limits are the maximum amount you can claim for an extras service or group of services in a calendar year. Depending on your product, annual limits can apply per person or per membership. Included services and the limit that applies per service is outlined in your cover fact sheet which can be found in the member area.
Sub-limits are smaller limits within your annual limit for certain services or groups of services, depending on your level of cover. They may apply to services such as dental, optical, physiotherapy, chiropractic and osteopathy. Once you reach a sub-limit, you can’t claim any more for that service until your limits reset.
GMHBA’s SmartCare Extras offer a flexible per-person annual limit, also known as a Smart Limit, which you can use across eligible services such as general dental, chiro, osteo and physio, based on your individual health needs.
FAQs about end of year limits
Annual limits reset on 1 January each year. This means any unused extras benefits may not carry over, unless you’re eligible for annual limit rollover. It’s a good idea to check your remaining limits before 31 December so you know what you may still be able to claim.
Unused extras benefits are generally lost when your annual limits reset, unless you’re eligible for annual limit rollover on SmartCare Boost Extras. Checking your cover details can help you understand what may reset and what rolls over.
To make the most of your extras cover, check your remaining limits, review which services are eligible under your policy and book any appointments you may need before your limits reset.
Yes. Some GMHBA products, such as SmartCare Boost Extras (available with eligible hospital cover), include annual limit rollover. Conditions apply.
You can check your remaining extras limits for a range of services in the GMHBA member area or mobile app. This can help you see what benefits may be available before you book.
If you’re due for a dental check-up, clean or eligible dental treatment, it may be worth booking before the end of the year. Checking your remaining dental limits first can help you understand what benefits may be available.
Yes, if optical services are included under your extras cover (such as SmartCare Boost Extras or ClassicCare Extras). You may be able to use eligible optical benefits for services such as prescription glasses or contact lenses before your annual limits reset. It's a good idea to use your optical benefits each year as annual limit rollover does not apply to optical benefits.
An annual limit is the total amount you can claim for eligible extras services, or a group of services, within a calendar year. A sub-limit is a smaller limit within that annual limit for a specific service or treatment type.
Appointments can be harder to find towards the end of the year as more members use their remaining extras benefits. Booking early may give you more choice of appointment times.
Planning ahead can also help you get more value from the cover you’re already paying for. If you’re due for a check-up, need new glasses or have been meaning to book physio, checking your limits early can help you decide what to use before they reset.