Definitely have a look at iSelect for other providers. Your PHI does sound awfully expensive.

We have family cover with HBF (a WA company) which includes hospital (private room in both private and public hospitals) and basic to intermediate extras cover. We pay $165 per month.

Our extras easily covers a checkup or two - each - at the dentist each year plus treatment if necessary. Chiro and physio are also rebated as is optical (I have reading glasses). We also have ambulance cover and a few other things I can't recall right now.

We pay a small excess for the hospital cover which I think is $50 per night for a maximum of 4 nights - so a max of $200 excess.

HBF is actually really good and I'd recommend them but I'm not sure it would be that beneficial for those in other states.