Blog article

Your guide to dental cover

By HBF
4 MINUTES
29 October 2021
Child brushing teeth
Trips to the dentist can be stressful enough without the added worry of extra costs or treatments. Knowing what you’re covered for and what to expect will help you stay on top of your dental cover and keep your cool in the chair.

Types of dental services

We’ve broken all kinds of services into four easy-to-understand categories so you can make sense of different dental treatments.

Preventative dental

Covers essentials like everyday check-ups that care for your teeth and keep them healthier for longer. Includes services like:

Restorative dental

Covers minor treatments that fix common dental issues. These treatments can prevent more extensive procedures down the track. Includes services like:

Major dental & Implants

Covers complex treatments that involve repairing or replacing teeth. Includes services like:

Orthodontics

Covers treatments that straighten teeth and correct problems with biting, chewing, and jaw alignment. Includes services like:

For more information on Orthodontics, visit our simple guide to Orthodontics and how it works.

Orthodontic treatment has a lifetime limit. This is the maximum amount you can claim over the course of your life. In determining if you have reached the lifetime limit for your product, we consider the amount you have claimed from HBF and any other health funds.

What am I covered for?

If you’re ever unsure of what you’re covered for, or are expecting treatment, make sure you check out your limits and how much you can claim.

MyHBF and the HBF app are super useful for checking what you’re covered for and how much you’ve already claimed this year.

Don’t have the HBF app yet? Download now.

For information on your benefits or the amount you can claim back for each service, please contact us.

The different types of limits

Remember, as your life changes, so will your cover and health care needs. It helps to plan ahead, so you ensure you’re still covered for what you actually need.

How can I save on dental with the Member Plus provider network?

As an HBF member, you can use your dental cover at any HBF approved dental provider.

However, if you use an HBF Member Plus dental provider, we have negotiated special arrangements, so you’ll get:

Our Member Plus dental provider network spans across a few different Australian states, check if your local dentist is already a part of it. Find a provider.

What about my wisdom teeth?

Worried about your wisdom teeth? Check out our guide to getting on top of tooth troubles here.

How often should you go to the dentist?

1 For eligible members when provided by a Member Plus provider. Subject to annual limits. Waiting periods may apply.

2 For eligible HBF members with extras cover at HBF Dental Centres from 1 May 2023. Check-up and clean include comprehensive examination, scale and clean, fluoride treatment and up to 2 x-rays, as clinically necessary. Limit of one visit per person per calendar year, waiting periods and other exclusions apply. Learn more at hbfdental.com.au

* Subject to cover held. Services must be provided by a Member Plus dental provider. Member Plus dental arrangements available in WA, NSW, VIC, QLD, and ACT only. Waiting periods and limits may apply before benefits are payable.



This article contains general information only and does not take into account the health, personal situation or needs of any person. In conjunction with your GP or treating health care professional, please consider whether the information is suitable for you and your personal circumstances.

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