Currently I pay $185 a month for top insurance including extras. This is with HCF. Im finding i never use it. If i do i go to the HCF Dental clinic once a year and have my teeth cleaned. They dont do fillings there at the HCF Dental Clinic so off to a private dentist and receive a 50% discount on my HCF fund. Specs still cost over $300 Im wondering if its worth holding onto, im thinking keeping the hospital cover and ditching the extras . is it neccessary you think ? How many of you have it?