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  • Exclusive member benefits.
  • Largest health fund in WA
  • 30 day cooling-off period.

Hospital

HBF Medicare
Choose to be treated as a private patient in a private or public hospital. Join the waiting list to be treated as a public patient in a public hospital.
Choose your own doctor, and decide whether you will go to a public or a private hospital that your doctor attends. Treatment by a doctor appointed by the public hospital.
Choose when you are admitted to a private hospital for treatment. May not have a choice about when you are admitted to hospital. There is usually a waiting list that determines when you can have access to treatment.
Access to a private room at appropriate level of cover, subject only to availability in the hospital. Shared room, reduced access to private rooms.
For inpatient doctors' fees, Medicare covers you for 75% of the Medicare Benefits Schedule (MBS) fee for associated medical costs. The remaining medical costs, including 25% of the MBS fee for doctors' services and any amount the doctor charges above the MBS fee, will be charged to you. Depending on your level of private health insurance, some, or all of this may be covered.

Common procedures covered by HBF include:
  • Cancer treatment;
  • Injuries sustained in an accident (for example broken bones);
  • Hernia repair;
  • Ear, nose and throat procedures (for example removal of tonsils);
  • Surgical extraction of wisdom teeth;
  • Skin grafts (medically necessary);
  • Shoulder reconstruction surgery;
  • Appendicitis treatment;
  • Removal of gall bladder;
  • Hysterectomy;
  • Heart surgery (depending on your level of cover);
  • Joint replacement (depending on your level of cover); and
  • Special care nursery
Hospital stays could incur charges such as:
  • Hospital accommodation;
  • Theatre fees;
  • Intensive care;
  • Dressings and other consumables;
  • Prostheses (surgically implanted);
  • Diagnostic tests; and
  • Pharmaceuticals.
Based on the Government's State of the Health Funds Report 2011, HBF have the highest percentage of hospital related charges covered in WA compared to other major health funds.
As a public patient you will be treated at no charge. However, Medicare does not cover private patient hospital costs. So if you choose to be treated at a private hospital, the total cost will be payable by you.

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