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Frequently asked questions
Find quick answers to our members' most common questions.
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How do I find a fully covered specialist?
You can find a list of our Full Cover medical specialists at hbf.com.au/use-cover/find-a-provider.
What is the Medicare Benefits Schedule (MBS)?
The MBS is a list of fees for medical services set by the Australian Government for eligible hospital treatment as a private patient. For in-hospital medical services, Medicare pays 75% of the MBS fee and HBF pays the other 25%.
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.
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