Dental

Hi, I’m Jaclyn, and I work in the Member Contact Centre.

Over 97% of our members have Essentials cover, which means that they can claim when they go to the dentist (of course how much they get back depends on the type of cover they have and whether they’ve reached their annual maximum). 

These are the products I would recommend:

Hospital & Essentials

HBF Hospital and Essentials cover pays benefits on things like accommodation in a private hospital and theatre fees as well as day to day health services like dental, optical, physio and chiro.
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Essentials

HBF Essentials cover pays benefits on up to 22 day-to-day services including dental, optical, physio, chiro, podiatry and occupational therapy.
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Dental Saver

Dental Saver is perfect if you just want cover for general dental and don’t want to pay for other health treatments you might not use. It’s a great, low cost way to take good care of your teeth.
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HBF Participating Dental Providers

We have agreements with HBF Participating Dental Providers and if you visit one, you are likely to have lower out-of-pocket costs. Depending on the level of cover you have, you will receive 60%, 70%, 80% or 90% back on your dental treatment up to your annual maximum. You can also receive one fully covered scale and clean per calendar year. Find out if your Dentist is an HBF Participating Provider here.

You will also be entitled to set benefits for dental treatment that are provided by non-Participating Dentists.

No annual limits on check ups, cleans and simple fillings.

We understand you’ve got other things to spend your money on. That’s why we give you no annual limit on checkups, cleans and simple fillings (excluding Smart Saver Twin Pack).

General Dental

General dental includes the following routine dental care: regular checkups, consultations, extractions, simple fillings, x-rays and mouthguards. Our general dental insurance benefits don’t have an annual maximum (excluding Smart Saver Twin Pack) – this means you will receive unlimited benefits on most general dental services. Benefits are only paid for medically necessary bleaching and procedures undertaken in the surgery. Benefits are not paid for home bleaching treatments.

Major Dental (not including orthodontics and implants)

This category includes more extensive treatments, such as dentures, root canal treatments, crowns, bridges and other restorative services.

Orthodontic and Implants

Benefits for full arch banding are included in the dental implants and orthodontic maximum. These benefits are based on the patient’s length of continuous cover for orthodontic treatment at the time the appliances are fitted. The benefit is generally paid when the appliance is first fitted for the course of treatment.