Benefits Reset Guide · AHM
AHM extras reset on 1 July — what you still have time to claim
TL;DR: AHM extras reset at the start of each financial year — 1 July. Any unused dental, physio, chiro and remedial massage limits expire on 30 June. Optical limits are separate and also reset on 1 July. Check what you have left and book before the end of June.
AHM resets its extras on 1 July every year. That means your dental limit, optical limit, physiotherapy limit — every extras category on your policy — goes back to zero on that date. Whatever you haven’t claimed by 30 June is gone.
Most AHM members know the reset exists. Very few check their remaining balance before it happens.
See the full benefits reset guide for all funds.
Here’s what to do with the time you have left.
01 · What resets
What resets on 1 July for AHM members?
Every extras category has an annual limit — a dollar ceiling on what AHM will pay back for that service each financial year (1 July to 30 June). On 1 July, every one of those ceilings resets to its full-year value.
AHM’s benefit year runs on the financial year calendar: 1 July to 30 June. This is different from most major funds — Medibank, Bupa, HCF and NIB all reset on 1 January. If you’ve ever been on a different fund, your reset date has changed.
The categories that reset include:
- General dental (check-ups, scale and clean, fillings, X-rays)
- Major dental (crowns, root canals — on products that include it)
- Optical (glasses, contact lenses, frames, prescription lenses)
- Physiotherapy
- Chiropractic
- Remedial massage
- Osteopathy
- Psychology and counselling (on products that include it)
Your specific limits depend on which AHM product you hold. On AHM’s entry-level extras products, the general dental, physio, chiro and remedial massage categories share a combined limit of $800 per person per financial year. Optical is a separate limit of $200 per person, with 100% back on included services. Higher-tier products carry higher limits across all categories.
02 · The rollover
The rollover — what AHM does differently
AHM has rolled over unused extras annual limits at 30 June for eligible members in recent financial years. If AHM continues this for the 2025–26 year, unused limits on most included services would carry into 2026–27 rather than expiring.
Important: optical and orthodontics are excluded from any rollover and expire on 30 June regardless. These are use-it-or-lose-it.
Check ahm.com.au or your member account for confirmation of whether a rollover applies to your policy this year before assuming your unused limits will carry forward. Do not rely on a rollover — book the appointments you need before 30 June.
03 · Before 30 June
What’s worth booking before 30 June?
- Dental check-up and clean. If you haven't had one this financial year, this is the first move. On eligible products, AHM offers no-gap check-ups at selected dentists — meaning a $0 out-of-pocket cost for a standard examination, scale and clean. Even outside the no-gap network, general dental limits cover a significant portion of the cost.
- Optical. Optical limits are excluded from the rollover. If you wear glasses or contacts and haven't claimed this year, your remaining optical limit expires 30 June. An eye test and frames before that date uses the current year's limit. Your new year's limit becomes available on 1 July.
- Physio, chiro or remedial massage. Allied health limits are some of the most commonly unclaimed. AHM's entry-level products include physio, chiro and remedial massage within the combined general dental limit — so every unclaimed allied health visit is competing with your dental balance. If you have remaining combined limit and a standing injury or overdue treatment, book before 30 June.
- Major dental already in progress. If your dentist has mentioned a crown, root canal or bridge, see the split-year section below.
04 · Major dental
The split-year advantage for major dental
Major dental procedures — crowns, root canals, implants — often involve two appointments: preparation and placement. Because each appointment is a separate claim date, you can time them across the 1 July boundary and access two financial years of your major dental limit for one course of treatment.
For example: crown preparation before 30 June claims against your 2025–26 major dental limit. Crown placement after 1 July claims against your 2026–27 limit. Two limit windows, one crown.
This only applies when your dentist confirms the treatment can be clinically staged across two appointments. Treatment decisions should always be made on clinical grounds first.
If your dentist has already raised major dental work, ask specifically whether staging is possible and whether the timing works before 30 June.
05 · AHM & Medibank
AHM and Medibank — understanding the relationship
AHM is a health insurance brand operated by Medibank. If you hold AHM cover, your insurer is Medibank Private Limited. The two brands operate independently — different product ranges, different pricing, different reset dates (AHM resets 1 July; Medibank resets 1 January).
If you’re considering switching between AHM and Medibank, be aware that the reset date changes. A mid-year switch from AHM to Medibank means your next reset moves from July to January — potentially extending or shortening your current benefit year depending on when you switch.
06 · Questions
Frequently asked questions
- When exactly do AHM extras reset?
- AHM extras reset on 1 July each year — the start of the Australian financial year. Your limits for dental, optical, physiotherapy and all other extras categories go back to their full annual value on that date. Any unused balance from the previous financial year (30 June) does not carry over, except where AHM has confirmed a rollover for that year.
- Does AHM roll over unused extras?
- AHM has offered a rollover of unused extras limits at 30 June in recent financial years, covering most services but excluding optical and orthodontics. Whether a rollover applies to the current financial year should be confirmed at ahm.com.au. Do not assume a rollover — optical limits in particular expire on 30 June with no exceptions.
- Do unused AHM optical limits carry over?
- No. Optical limits are specifically excluded from AHM's rollover arrangement. If you haven't claimed your optical limit by 30 June, it expires. Your new year's optical limit becomes available on 1 July.
- What is the split-year strategy for major dental?
- If a major dental procedure involves two separate appointments — crown preparation and crown placement, for example — you can time one before 30 June and one after 1 July. Each appointment claims against a different annual limit, effectively doubling your available major dental benefit for one treatment. Confirm with your dentist that staging is clinically appropriate before relying on this strategy.
- How is AHM different from Medibank?
- AHM is a separate brand operated by Medibank. AHM extras reset on 1 July (financial year). Medibank extras reset on 1 January (calendar year). If you switch between the two brands, your reset date changes.
- How do I check what AHM extras I have left?
- Log into your member account at members.ahm.com.au or use the AHM app. You can also check your AHM product limits using CoverClear’s free tool at coverclear.au/tool.
Not sure what you have left? Check your AHM cover in 60 seconds — see your annual limits and what’s still available before 30 June.
Annual limits shown are indicative examples based on AHM’s registered product data from the Private Health Insurance Ombudsman’s dataset at privatehealth.gov.au (April 2026). Your actual limits and remaining balance depend on your specific AHM product and what you’ve already claimed this financial year. Check your member account for your current balance.
Split-year strategy applies when treatment can be clinically and practically staged across two appointments. Treatment decisions should always be made on clinical grounds. This strategy is relevant only when your dentist confirms staging is clinically appropriate.
Page last reviewed: 1 June 2026