Save on medical bills

Learn how we can help you spend less on looking after your health.

How we can help

With HBF, you can reduce your out-of-pocket costs by taking advantage of our large network of HBF Member Plus providers and our 80 years’ experience in the health industry.

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 out-of-pocket expense).

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.

Medical cost breakdown

Medicare Benefits Schedule (MBS) fee

Medical Gap

Total medical cost


Fully covered


Known gap

Paid by HBF
You pay
Paid by HBF
Paid by Medicare

Please note: Even if you’re booked into an HBF Member Plus hospital, it doesn’t mean your specialist, anaesthetist, hospital or pharmacy fees will automatically be fully covered. Call us on 133 423 before you book to make sure you know what you’re covered for.

Talk to us before your treatment

We know your cover inside out, so be sure to contact us before you book a hospital stay or significant medical treatment and we’ll do everything we can to help you reduce your out-of-pocket costs, and ensure you have all the information you need to make the best choice for you.