Choose an HBF Member Plus hospital
We partner with a large network of HBF Member Plus hospitals across Australia, to help keep your
out-of-pocket costs to a minimum.
With HBF Member Plus hospitals, you’ll be covered for accommodation and theatre fees for all
agreed services on your policy, less any co-payment or policy excess.
Find an HBF Member Plus hospital
Choose an HBF Member Plus provider
In addition to HBF Member Plus hospitals, we also have agreements with thousands of specialists.
Outside of Western Australia, HBF participates in the Australian Health Service Alliance (AHSA)
Access Gap Cover (AGC) arrangement.
If your specialist participates in the AGC arrangement, they have the option to opt-in or opt-out
of the arrangement on a case by case basis. They have the option of billing one of three ways:
1. No Gap
Your specialist will charge up to the AGC schedule fee and HBF will pay an additional amount
above the Medicare Benefit Schedule (MBS), leaving you
with no out-of-pocket expense for your inpatient services.
2. Known Gap
If your specialist chooses to charge a Known Gap your specialist will charge up to the maximum
agreed fee, HBF will pay an additional amount above the MBS, leaving you with a maximum
out-of-pocket expense of $500 (or $800 for obstetric services).
3. Opt-out or no agreement
If your specialist chooses to opt-out of the arrangement or are not registered to participate in
an arrangement, their in-patient services will be covered up to the MBS fee. You will need to
pay the difference between the MBS fee and the specialist’ fees (this is your out-of-pocket
Find an HBF Member Plus provider