This site requires JavaScript. Please enable JavaScript by following this link.
This site requires the use of cookies. Please enable cookies by following this link.
Manage your cover on the go
Send a claim, keep on top of your extra's limits, view all your important documents and update your details on the go. It's your policy in your pocket!
All-new Extras
Want more value, choice and control with your extras cover? Well, we've redesigned our extras to give you just that.
HBF has a large network of health providers including dental, optical, pharmacy, medical and hospital. Some providers, called Member Plus providers, have chosen to enter into an agreement with HBF to help members minimise out-of-pocket expenses associated with treatment. This agreement does not apply to items on the HBF Limited Surgical Items List*.
Dental
Optical
Pharmacy
Medical
Hospital
We’ve partnered with Pharmacy 777 to help our members take better care of their health. Plus, depending on your cover, we have benefits on a range of health services.
Find a pharmacy
Receiving treatment at a Member Plus hospital may help to reduce your out-of-pocket expenses.
For all agreed services at Member Plus hospitals, members will be covered for accommodation and theatre fees, less any co-payment or excess.
Whilst most services are agreed in Member Plus hospitals, some services or types of procedures are not. It is important to check that the service you require is covered at your chosen Member Plus hospital before being admitted to avoid any significant out-of-pocket expenses. Refer to Important Information below.
See Member Plus Hospitals
Some dental providers, called Member Plus providers, have chosen to enter into an agreement to guarantee out-of-pocket expenses on Preventative dental treatment, which means a guaranteed 75%, 85% or 100% back*. Plus, eligible members receive one fully covered scale and clean at a Member Plus provider per calendar year.
For dental treatment outside of the Preventative category, HBF can’t guarantee out-of-pocket expenses so please call us on 133 423 for an accurate benefit quote.
For dental surgery being performed in a hospital or licenced day facility, members need hospital cover to be covered for accommodation and theatre fees.
HBF’s Member Plus optical network gives members access to a wide range of glasses including No Gap ranges. To be a Member Plus optical provider, at least 30% of the provider’s frames must be in a No Gap range.
Our major partners include: Eyebenefit, Laubman & Pank and OPSM. From 1 September 2020, VSP will no longer be part of our Member Plus optical network. You will still be able to claim benefits for glasses and contact lenses from providers who have left the network, however your out-of-pocket costs may increase. Call us to obtain a benefit quote before purchasing glasses and/or contact lenses to be informed of any out of pocket costs.
Refer to Important Information below.
HBF has a large network of Full Cover Medical Specialists. Medical specialists registered under the Full Cover arrangement are no gap providers. This means 100 percent of their bill for inpatient medical services included in your policy will be covered by HBF and Medicare, and you won’t pay anything out of your own pocket for those services, except where your treatment is in relation to items listed on the HBF Limited Surgical Items List*.
To learn more about HBF’s medical agreements and inpatient treatment, see: Insider tips to help you save on medical bills. Other out-of-pocket costs relating to your hospital stay may still apply (such as any excess).
*Please note that HBF has a “HBF Limited Surgical Items List” (HBF List), which is subject to change from time to time. Where your treatment involves an item on the HBF List, HBF will not pay a benefit greater than the Medicare Benefit Schedule (MBS) fee for that item and any services you receive from an anaesthetist associated with that item. As such, out-of-pocket costs may apply. This applies regardless of whether your chosen provider is a Full Cover provider or not. Please contact HBF on 133 423 to obtain information on items which are currently on the HBF List.
{{getCol1(item)}}
{{getCol2(item)}}
The search facility is intended to help with identification of potential providers only. The above details may not be current and are not intended to be used to estimate potential benefits. To obtain a benefit quote for your proposed provider please call us on 133 423.
The accuracy of the information cannot be guaranteed as it is dependent on providers informing us of relevant changes. HBF claims no affiliation or association with any provider. Some providers have requested to be excluded from the list.
Depending on the service or type of procedure and your level of cover, HBF Member Plus hospitals may fully cover accommodation and theatre fees for your hospital stay, less any co-payments or excess.
We couldn't find any providers in that location. Please try a different Postcode or Suburb.
Medical Provider
HBF participates in the Australian Health Service Alliance (AHSA) medical gap cover arrangement called Access Gap Cover (AGC). Choosing an AGC medical provider may help to reduce or eliminate your out-of-pocket expenses for certain medical treatment received while admitted to hospital, also known as inpatient services.
As AGC medical providers choose to opt in and opt out on a case by case basis, we recommend that you obtain written Informed Financial Consent before treatment to confirm any out-of-pocket expenses charged by your provider.
To search for a participating AGC provider or to find out more about AHSA, please visit the AHSA website.
Please note that the AHSA AGC agreements do not apply to inpatient treatment performed in Western Australia.
Optical Providers
HBF's Member Plus optical network gives you access to a wide range of glasses including HBF's no gap range. Our major optical partners include:
Eyebenefit, Laubman & Pank, OPSM and Specsavers.
From 1 September 2020, VSP will no longer be part of our Member Plus optical network. You will still be able to claim benefits for glasses and contact lenses from providers who have left the network, however your out-of-pocket costs may increase. Call us to obtain a benefit quote before purchasing glasses and/or contact lenses to be informed of any out of pocket costs.
Extras Providers
Depending on your type of cover, we may pay a benefit for the following providers; dentists, chiropractors, physiotherapists, osteopaths, occupational therapists, podiatrists, psychologists, speech pathologists and dietitians. To see if your provider is covered, call us on 133 423.
We need to confirm your location to show you the correct content, products and pricing.
Our products and prices differ from state to state. So we need to make sure you're looking at the right information to give you an accurate quote.
Content, products and pricing information is different if you live in Western Australia.
The product you’ve selected isn’t available for purchase in your state.
If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location.