FREQUENTLY ASKED QUESTION

What happens if my doctor chooses not to participate in Access Gap Cover?

See more FAQs in

 Health insurance explained

If your doctor doesn't participate in Access Gap Cover, your doctor should issue you with a written estimate of medical fees and you will be required to pay the difference between their fees and what Medicare and HBF pay. If they do not provide you with a quote upfront, you are entitled to request this from them.

The amount you will need to contribute to your treatment will depend on the amount they charge. There is no limit to this amount and your doctor will charge you what they believe to be a reasonable amount.

HBF provides health insurance products in Western Australia, South Australia, Victoria, Tasmania, New South Wales, Australian Capital Territory, Queensland and Northern Territory.

We acknowledge the Traditional Owners of the lands and waters where we live and work. We want to play our part in ensuring that our shared presence brings genuine benefit to First Nations people. View our Reconciliation Action Plan to learn more.

FacebookInstagramLinkedInYouTube

© 2026 Copyright HBF Health Limited - (ABN) 11 126 884 786 and its subsidiaries.