FREQUENTLY ASKED QUESTION

How do I use my cover?

You can start using your cover as soon as you’ve finished serving the waiting period applicable to the treatment or service you intend to receive. Before you make an appointment, we recommend you do the following:

1. Research HBF Member Plus providers. We have agreements in place with providers across Australia, so choosing an HBF Member Plus provider can help you reduce any out-of-pocket costs that may apply.
2. Get a benefit quote. This will tell you exactly how much HBF will cover, and any out-of-pocket costs you’ll have to pay. Call us on 133 423 (or call +61 8 9265 6111 if overseas), or for extras services such as dental and physiotherapy, get an instant extras benefit quote in myHBF.