Managing an existing policy

The way you submit your claim is not changing. However, it may take longer for you to receive your benefit. During the grace period, for each claim that we pay, you may see two amounts on different days that equal your full benefit.

Benefits have been reduced for Semaglutide, Dulaglutide, Exenatide, Liraglutide and Tirzepatide on all extras covers that include Pharmaceuticals (non-PBS), the new benefit depends on your selected level of cover.

• If you hold Top 70, your benefits have been reduced to 70% of the fee, after the co-payment.
• If you hold Complete 60 or Flex 60, your benefits have been reduced to 60% of the fee, after the co-payment.
• If you hold any other HBF extras cover,your benefits have been reduced to 50% of the fee, after the co-payment.

All other medications will remain at your current benefit amount.

Pre-manufactured medications are pharmaceutical drugs that are readily available for distribution and use once prescribed by your GP. Pre-manufactured medication is produced in standardised doses and forms.

In Australia, all pre-manufactured medication must be approved by the Therapeutic Goods Administration (TGA) after being evaluated for quality, safety, and efficacy for its indicated use.

Compounded medications (also known as extemporaneous) are custom-made by a pharmacist for a unique requirement, for example, customising the strength, altering its form to make it easier to ingest, or adding flavour to make it more palatable.

The intent of compounding is to meet an individual's clinical needs where a commercially manufactured medicine is not suitable.

If you were already undergoing an ongoing course of treatment, as at 1 May 2024, with any medication that has been impacted by this change, your benefits for the medication will not change until the date specified on your letter.

You can use this time to have prescriptions filled for your course of treatment, and we will honour your current benefits for medications dispensed up to this date, subject to your annual limit.

If you were not already undergoing a course of treatment as at 1 May 2024, the changes for your medication were effective from 9 July 2024.