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we currently have the extras which gives us 70% back, and costs us about $19/week for a family of 4. I think it's been value for money so far. Last year as a family we used the $1000 annual limit on major dental (one of my sons fell of a scooter and broke some teeth, as well as me and the wife getting work done).
I guess it depends if they give two different prices, for with/without cover. :P