When you go into hospital, visit a dentist or get a new pair of glasses, there can be a 'gap' between the total cost of your treatment and what's covered.
The good news for HBF members is they are fully covered for 82% of medical treatments in WA hospitals – that’s higher than the industry average. This means if you need to go to hospital, you’re most likely to have no gap to pay for your procedure. As for the total hospital bill (including charges such as accommodation, theatre, prosthesis and in-hospital pharmacy), on average we cover 94.4% of charges in WA. This is more than any other major health fund.