FREQUENTLY ASKED QUESTION

Who chooses the Medical Gap Agreement my specialist is on?

HBF offers a choice of Medical Gap Agreements, and the specialist elects which agreement they wish to register for. If they choose to be a Full Cover specialist, they must provide all HBF members with a no-gap experience.

However, if they choose the Provider Choice agreement, they have the flexibility to opt-in or opt-out of the agreement on a case-by-case basis. This means that the out-of-pocket cost may vary from surgery to surgery or member to member.