46 questions from our users
Can I claim through HBF Australia wide
Hi Shirvan, Thank you for reaching out!
Members can access range of providers throughout Australia however, to confirm that benefits will be payable for your treatment or service you are wanting to claim for, it is best to contact us directly to confirm your coverage and, if you will have any out of pocket expenses.
If you have any questions about how our agreements work, or the benefits you can get back please do not hesitate to get in touch with us. – Chloe
I am on HBF Silver cover. I know Gastric Sleeve surgery is not covered but does HBF pay anything toward the hospital stay, anethsaetic costs etc
Hi Diamus, thank you for your question.
Without being able to access your policy, I am only able to provide general information. If something is an exclusion on your policy, unfortunately, we will not be able to pay benefits towards any part of the treatment.
If you would like to look more into your policy inclusion, please feel free to call us on 133 423, or chat with us at hbf.com.au - Cinta
Why is the gap saver no longer available?
Hi Davidg, thank you for getting in touch!
We proactively review our health cover offering, which can lead to us making changes to our suite including closing certain products for sale. In 2019 we reviewed our suite and decided to close Gap Saver to new sales. This cover option is still available to those who held it at the time it was closed.
If you have any further questions, please do not hesitate to give us a call on 133 423. -Bella
Does HBF cover Residential Aged Care Services?
Hi Bev, thank you for getting in touch with us.
We do not currently offer residential aged care services. If you would like know what services we offer please send us a private message at the link below or call us on 133 423 and we will be more than happy to help. - Chloe
Is there an annual amount, or a “one of” amount for dental bridgework with top HBF cover? What is the amount of cover?
Hi Ann, good question! Dental benefits vary depending on the level of cover you have in place.
We would love to help you clarify your dental benefits on your HBF cover, please give us a call on 133 423 or chat with us at hbf.com.au
We look forward to helping you soon - Shauna
Does Bronze level insurance cover emergency ambulance charges?
Thank you for getting in touch.
All HBF hospital products currently available include benefits towards urgent or emergency ambulance transport by road.
If you would like more information on what our policies include, please give us a call on 133 423 and we would be happy to help.
is obesity a pre existing condition if someone is looking to get gastric sleeve surgery
Hi Bri M, I’m not too sure. Is better you check with HBF. They are the ultimate decision maker.
Hi Bri, we would love to look into this for you and answer any questions that you may have. please call us on 133 423 and we will be more than happy to help. - Chloe
I have $400 in my GapSaver, but when I went to the Dentist I still had to pay $60 out of pocket. Do I need to make a claim? I was intending on finally getting new glasses but idk if I can afford it if the GapSaver doesn’t work
Hi Bianca, we would love to have a look at your policy and assist you with making your Gapsaver balance available for any eligible claims.
Please give us a call on 133 423 and we would be happy to help.
How much does your standard Health policy pay per Month?
Hi Rebecca, thank you for getting in touch.
As health insurance premiums vary depending on the level of cover you choose, your Australian Government Rebate entitlement and any applicable lifetime health cover loadings we recommend giving us a call on 133 423 and one of our friendly staff will be more than happy to generate some quotes specific to your needs.
We look forward to speaking with you soon - Shauna
Is Avapro 75 mg on the HBF schedule?
will HBF cover cancellation of flights if you and your family get struck with gastro and can't make your flights?
I have saved up $600 in my 'Gap Saver' account.
I have very suddenly experienced severe financial hardships that I must attend to immediately.
Please can you let me know asap, (within W.A hbf & banking hours), today if I can withdraw part of the $600 I've saved up?
Hi Lucia, GapSaver can't be withdrawn as cash. So we can try help, please give us a call on 133 423 or start a LiveChat with us at hbf.com.au
The HBF Team
Hi can you claim a MRI scan ? As outpatient - Dr referral
Where can I find the HBF Pharmacy Schedule so i can i see if my Daughters medication is on there as the chemist has given me a receipt to put in a claim
Hi Colin, thanks so much for getting in touch and I can definitley help with this.
The HBF Pharmacy Schedule is a database you can access prior to a pharmaceutical purchase by giving us a call on 133 423. We will cross-check the active ingredient of your daughter's medication against this list and confirm whether we are able to provide a benefit as part of your Pharmacy level of cover.
If you have already purchased the item, the easiest way to determine your benefit is by submitting a claim. You are able to do this through MyHBF, in a branch or through the post. If the claims process is new to you and you would like some further information, please get in touch with us and we will be happy to run you through the process.
I hope this helps. We look forward to hearing from you soon and have a lovely rest of your day.
The HBF Team
Can I get stomach surgery for weight loss on hospital cover Im now 60 years old
Been with HBF 27 years approximately and other than glasses/ dental never had to claim hospital cover ect
My question is at present I need to see a specialist and the outcome may be I need surgery
This is not voluntary by me it’s a necessary fact (we have heathy savers twin pk )
We now find out you have to tee up a HBF specialist and not sure what the next thing will be
To potentially do surgery and what is covered and what is not
Our doctor asked if we have health insurance and he gave us a name
Not on list so hence the question where do you get a list of specialists and hospitals that make it a easier way forward
Hi Peter, thanks for reaching out to us!
We have a list of some member plus providers available on our website; https://www.hbf.com.au/health-insurance/find-a-provider
This is not a complete list as some providers have chosen not to be recorded online.
If you are looking for a specialist or you have a procedure planned we recommend speaking with us directly.
-Contact us on 133 423 between 6am – 6pm AWST Monday to Friday or 7am - 4pm AWST Saturdays.
-Chat with us at hbf.com.au. Chat is available Monday to Friday 8am - 4pm AWST.
We look forward to hearing from you soon.
The HBF Team
Is this an insurer that only covers people in WA? I'm in Melbourne.
hello why does it say dental surgery is covered on basic and all other policy it says wisdom teeth removal and I go to claim it and they say u don't have extra dental cover so your surgery isn't covered..it clearly says on the website dental surgery tick wisdom teeth doesn't say r tick but two pages over it says some items about only going to cover hospital why are u not have the right stuff on the policy
Hi Angela, with our hospital products, we can only pay benefits on medical procedures that are listed on your policy and have a Medicare Benefit Item code (MBS). Some dental surgeries are not claimable through Medicare, so we can only pay on the hospital stay and not the dental surgeon's fees. If you hold an extra's policy with General Dental, we can then pay a benefit towards the dentist fees.
If you would like us to look into your recent experience can you please contact us on 133 423 or by emailing firstname.lastname@example.org
The HBF team
We have been trying to transfer to HBF as joint members from 2 other individual health funds that we were with we obtained the clearance personelly as well as them been sent through to hbf immediately HBF AT JOONDALUP kept telling us they didnt have them despite days later when we hand delivered hard copies they then had another look and found they had been in their system all the time
the first consultant we initially spoke with put the wrong surname on my P&N CLAIM FOR 6 MTH DIRECT DEBIT PAYMENTS it was rejected
we went to bank and p&n confirmed the rejection so we went back to hbf and a person tryed to tell me i had insufficient funds which was insulting
we then went through the whole joining proceedure again with the now 4th c s person and was assured all was good to go we waited and nothing happened so we went back in to Joondalup and another the 5th c s person went tbrough all the detail found the previous c s person hadnt done what she claimed
this preson the 6th c s p advised it was all in order and the adjusted amount would be taken out of my bank account in 3-5 days this never happened so i made a phone call this been the 7th c s person she went over all the details and advised the adjusted amount would be deducted from my P&N ACCOUNT in 3-5 working days
we have been away for easter and came back on tuesday 23/4/19 nothing had happened it is now saturday 27/4/19
And i just checked my p&n acct the amount for the 6 month direct debit period payment still has not been taken for hbf health cover
our first approach was at the Joondalup office of HBF on the 27/3/19
We are totally dissolussioned by the un-proffessional customer service of hbf at the Joondalup office
we are seriously considering cancelling our application to join the worst run company we have ever experienced
as seniors can you give us a hard core answer about what the hell is going on we have supplied all the correct imformation from day one and the staff at joondalup have continued cause problems despite asuuring us each time that everthing is fixed?blah ! blah !
Its about time in our honest opinions that a good hard look needs to be taken into the way joondalup hbf office is been conducted by the senior management of HBF head office and stop suggesting that the customer has insufficient funds or we havent supplied required imformation
Can you please reply asap and give us the service we have tryed to get if thats at all possible barry w tilbrook assumed member numbers [number removed] and Sylvia M WILLS [number removed]
if we cant get satisfaction by pm monday 29/4/19 we will have no hesitation in going back to another health fund because this has been
far too rediculous to comprehend from a so called proffessional organisation
barry w tilbrook
Hi I have the highest cover with use I have been in the process of ivf but have been advised by my doctors to do the lap band surgery was wondering where I would find out if my cover covers it or not?
Hi Amanda, thank you for reaching out! We can definitely take a look at your cover and let you know if you have weight loss surgical procedures listed. You can contact us on 133 423, visit your local branch.
The HBF team
HBF are excellent at feigning support. Wait until they pull the rug from under your feet! sorry, you are not covered!
They pay a unnamed doctor (they refer to this ghost in the shadows as an independent referee) to write reports contrary to your medical advice and history to weasel their way out of their obligated cover.
Does hbf health cover a breast enlargement job if it’s depremental to health casing angziety stress and depression?
no, that's not up to HBF it's up to Medicare. If a surgeon would put a case forward to medicare then the rule goes if medicare pay on a item number then health funds will. there is no MBS item for a breast enlargement only for a reconstruction following mastectomy after breast cancer.
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