Your GapSaver benefits accrue quarterly and accumulate year after year until you use them, so you can use your GapSaver benefits for as long as you have HBF health cover - they don’t expire each year.
You can choose to receive your GapSaver benefits automatically when you claim, or manually on a claim-by-claim basis. Please note, only GapSaver dollars accrued at the date of service can be used towards your claim.
For more information on this cover, please see the policy details brochure.
Here's an example of how GapSaver could work when you visit an HBF Member Plus dental provider.