What's covered by our dental insurance?

HBF dental cover is divided into three separate services, each covering different dental treatments. It's important to make sure your cover includes the right ones.

Dental - general

General dental includes common dental treatments you might have during a routine visit. Visit an HBF Member Plus dentist and receive a fully covered scale and clean per calendar year. Plus there's no gap to pay for kids preventative dental at HBF Member Plus dentists included on your policy, up to your annual limit.

BENEFITS TOWARDS
  • Consultation/examinations
  • Scale and clean - 1st visit
  • Mouthguard
  • Extractions
  • Fillings – direct

Dental - major

Treatments covered under Major Dental are more involved, usually requiring multiple visits. So they're generally more expensive. Being covered for these items can save you a lot of out-of-pocket expense.

BENEFITS TOWARDS
  • Veneer – indirect
  • Veneer – direct
  • Tooth coloured fillings – indirect
  • Crowns
  • Bridges
  • Full dentures
  • Root canal treatment

Dental - implants and braces

These treatments involve complex procedures, and can include many visits over a longer period of time. The costs can run into thousands of dollars, so it's wise to be covered if you think you'll need them.

BENEFITS TOWARDS
  • Braces
  • Implants