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5 ways to get more from your HBF health cover

5 ways to get more from your HBF health cover

5 ways to get more from your HBF health cover

Author Ysabel Tang
Date 6 Feb, 2018
Time to read 4 minutes

People buy health insurance for lots of different reasons. For most, it’s for the same reason they insure their car or home. It’s to protect something important—your health—against the unexpected. To give you peace of mind that it will be there when you or your family need it most.

Like your car or home insurance, your health insurance doesn’t get much attention until you really need it—and that’s a good thing. But while you’re fit and healthy, your health insurance doesn’t have to sit around collecting dust.

There’s heaps of easy things you can do to make sure you’re getting mileage out of your HBF health cover. Make the most of your Extras Insurance, or use those Momentum Member Benefits you’ve forgotten about…

Here’s our top 5 tips to get you started:

1. Push it to the (annual) limit

There are three things you should do every year: 1) Place bets on who the craziest My Kitchen Rules contestant will be; 2) See your dentist; 3) Pick out new glasses.

So long as you have an appropriate level of cover, you can take advantage of a fully covered scale and clean, and pick up a fully covered pair of glasses. Every. Single. Year.

Annual Limits on your Extras Insurance reset every calendar year. That means as soon as 1 Jan rolls around, you can go for your annual dental check-up (after brushing your teeth within an inch of their life so the dentist doesn’t judge you).

And on the way home, you can swing past the optometrist to pick up some cool new frames.

All the better to spot brewing MKR drama with…

2. Save on your healthcare bills with Member Plus Providers

Let’s be honest—big bills are the worst. So here’s a tip to make them smaller: if you need to go to hospital, or visit a dentist or optometrist, make sure you see a Member Plus Provider. These are specialists HBF has agreements with to make sure you have little or no gap to pay when you visit them.

But how do you tell the difference between a regular specialist and a Member Plus Provider? It’s super easy: just use our Find a Provider tool.

3. Reduce your out-of-pockets without even thinking about it

GapSaver is an HBF add-on to your premium. It lets you put away money now that you can use later to cover your hospital gaps and extras gaps.

Here’s how it works: you pay a few extra dollars a week, and when you go see your dentist, physio or any other specialist, your out-of-pockets get covered by whatever you’ve got in your GapSaver account.

You can get the Australian Government Rebate on Private Health Insurance for any GapSaver contributions, which means for every $1 you pay in, you could get up to $0.25 back as a rebate. Awesome!

The best thing is, once you set it up, it’s automatic so you can just sit back, relax, and pat yourself on the back for taking care of future you.

4. Take your beloved to Gold Class and get an Oscar for best date night

For about the price of a regular Vmax ticket ($26), you can critique an Oscar-nominated film from the comfort of a reclinable seat, while sipping champagne and enjoying a fancy meal delivered by your very own waiter.

How? Just order an ‘Off Peak Gold Class’ e-ticket for $28 through myHBF. The only heads-up is you can only use the ticket between Sunday and Wednesday after 5pm. Which actually works out pretty well—Sunday date night, anyone?

5. Get a new fitness wardrobe because science says it’s okay

While it might seem like a convenient excuse to buy new clothes, research shows having the right wardrobe can make you more likely to work-out. Researchers call it “enclothed cognition”, which describes the mental change you go through when you put on certain clothes.

What’s it all mean? Basically, buying and wearing new fitness gear tricks your brain into being ready for a work-out. And with 15% off fitness gear from Running Warehouse when you show your HBF member card, there’s officially no excuse to not treat yourself.

And here’s a bonus tip: make sure your health insurance actually covers the things you need. It sounds obvious, but for most people, health insurance is a bit of a set-and-forget. By taking a moment every year to review your policy, you could save yourself some coin in the long run.

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