I have been thinking of cutting back on my budget this year. Im thinking of cutting the "extras" out and just keeping the hospital part. Recently I went to the Dentist with a tooth ache. The HCF Dentist advised me I would need a root canal plus a crown, this is HCF health insurance own dental clinic. Despite being a member for some 12 years it appears the dental is not covered when it comes to root canal etc. She qouted me $2400 for root canal plus crown or $58 to have the tooth taken out. They have put a temporary filling in it at the moment ( no charge) Currently i pay $192 a month for the top extras and hospital. The HCF dentist advised me it only included 3 check ups a year and fluride cleaning and so many fillings , other than that it appears it costs. I cant see getting much benefit from the extras cover ? However I have written to HCF to ask if this is correct as I did think after 12 years there would be at least some benefit back from $2400 for a root canal ? It just seems to be a waste of money.