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
across Western Australia.
In WA, there are three different types of arrangements in place with specialists:
1. Fully covered*
These specialists are fully-covered by Medicare and HBF, which means you won't have anything to
pay any out-of-pocket costs for their inpatient services (if you have an hospital excess or any
product exclusions, you will need to cover these out of your own pocket).
2. Known gap*
Specialists who participate in the Known Gap arrangement have the option to opt-in or opt-out of
the arrangement on a case by case basis. If they choose to opt-in, your specialist will only
charge up to a certain fee and we will pay an additional amount above the Medicare Benefit Schedule, minimising or
eliminating your out-of-pocket expense for their in-patient 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
Find an HBF Member Plus provider
*Please note: HBF has a “HBF Limited Surgical Items List” (HBF List), which is
subject to change from time to time. Where your treatment involves an item on the HBF List, HBF
will not pay a benefit greater than the MBS fee for that item and any services you receive from
an anaesthetist associated with that item. As such, out-of-pocket costs may apply. This applies
regardless of whether your chosen provider is a fully covered or known gap provider.