I'm with MBP, been with them since I started working. Saved my arse and paid for itself already with 4x $12k ankle operations, as well as subsidised optical and dental.
MBP offer members an annual "bonus" of $100, which can bank up to I think $500 max. That can be used on practically anything to do with health (from meds to sports equipment to crutches to gym memberships, etc).
I will admit, they're not cheap, and I am looking elsewhere, as these guys continue to go up and up.
One story with them, I once cancelled my level of cover and dropped it down, but that level excluded elective surgery, and I required another ankle op, and they allowed me to go back up, and pay the differences in policies since I was 6 weeks since changing (they allow 30 days cool-off between policy changes). I was very appreciative for that!