Hi trying to get my head around whether private health insurance is worth the price tag.

I’m starting to visit the dentist and optometrist once a year. I also visit a podiatrist once or twice a year.

With my current property investments I will be earning over $100k so I know there’s certain levies and surcharges involved. But that will go down once fixed rates are gone.

My question is do basic covers allow me to save money on the above health services or do I need to pay for more comprehensive covers? I’m pretty against insurance as a whole but want to work out if it’s worth it - just a lot of moving parts.

I just paid like $250 for whitening and $150 to fill in 2 holes with resin for my teeth so I’m wondering how to make it more cost effective if anything