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HCF Health Insurance

HCF Health Insurance Questions & Answers

3.5 from 387 reviews

59 questions from our users

Do HCF cover anything towards veneers?
2 answers
It's not an easy answer, ask your dentist to provide all the item codes, then send it to HCF, to verify and confirm what is covered, then circle back to your dentist, give them the approved items codes, then your dentist will provide you with the out of pocket expenses. Which will leave you wondering if it's even worth having a Pvt health insurance and the amount you pay every month!!!!. good luck.Thanks Frank I certainly could not find an answer in HCFs website.

l have been a member since 1991, can l seek any loyalty bonas on my premium
1 answer
Hi Anna, We cannot offer loyalty bonuses on premium as it is not permitted by the Private Health Insurance Act. To recognize the loyalty of our members such as yourself, HCF launched our HCF Thank You program. If you would like any more information on this, please email membersupport@hcf.com.au Thank you HCF Team

i am thinking of joining HCF for my family. do they have good rating doctors and private hospitals?
1 answer
Was with Medibank Private for many years. HCF offer everything the others do but from what I have found, at a better rate. I will be in a private room of a private Hospital this week. All similar doctors with HCF to other funds. Regards, Wayne.

My husband just got diagnosed with obstructive sleep apnoea. How much can I claim from HCF for purchase of cpap machine and mask?
No answers

Hcf pregnancy cover with specialist doctor, what is the waiting period?
No answers

Does HCF have a funeral cover and if so how much is it for?
No answers

When we go overseas can we freeze our payments?
2 answers
Oh im not to sure about this one, I haven't had this situation just yet it might be worth just giving HCF a call to see if that is possible.Go to hcf.com.au/faqs/ and scroll down to the Travel section and it should answer all your questions

How to upgraded to complete whole accesses on all my needs on this insurance policy?
1 answer
Thanks for your question Doris. Can you please send an email to customersupport@hcf.com.au with your membership number in the subject line? We will be able to provide you with further information. The HCF Team

Do my yearly limits reset in the new financial year or on a new calender year?
1 answer
Thanks for your question, Joe. The annual limits reset on the calendar year. The HCF Team

Who are your preferred dentists in Gladstone?
2 answers
Unfortunately I don’t know where Gladstone is locatedThanks for your question, Heather. You can access the details of HCF recognised providers by visiting www.hcf.com.au/locations/find-a-participating-provider. The HCF Team

If and when surgery needed how does one find out the gap we pay them is the minimal fee or do you have a list which we should use for surgery. Surgeon claim from Medicare , private fund plus patient. This sounds wrong any help from fund on this will help every one
1 answer
Thank you for your message. There are 2 aspects to claiming for inpatient hospital procedures, “Hospital bill” and “Doctors (Medical) bill”. Hospital policies help cover the cost of in-patient services (from when you’re officially admitted to hospital to when you’re officially discharged) - costs such as accommodation, intensive care, drugs, dressings and other consumables, diagnostic tests, pharmaceuticals and so on. In respect to the Doctor’s (Medical) bill, these are charged separately from Hospital Services. Medicare covers 75% of the Medicare Benefits Schedule (MBS) fee for these charges and HCF covers the remaining 25% (for eligible services). However, if your Doctor charges above the Medicare Benefits Schedule fee, then you may have to pay the extra amount (gap). HCF has a medical gap scheme in place to help reduce or eliminate these gaps. HCF’s Medicover arrangements are designed to provide doctors with a fee above the MBS (extra benefits) in return for them accepting this fee in full and our members either not having any out of pockets (i.e. no gap) or limiting the gap to $500 per doctor per episode (i.e. a known Gap). However, doctors must elect to participate in this program by applying to HCF and are free to choose whether they participate in a medical gap arrangement for each of their locations which means we cannot guarantee that a member will have limited or no out of pockets. HCF members can access the list of participating providers by visiting the Healthshare website: https://www.healthshare.com.au/directory/find-a-health-professional/ Unfortunately there is no regulatory body that can control how much a doctor is allowed to charge. The out of pocket medical expenses are not determined by the level of private health insurance cover held, but rather, it’s the Doctor’s prerogative to charge as little or as much they like for any particular medical procedure. Nevertheless we remain very reliant on doctors providing our members with sufficient information about charges so that they can make their treatment decision with informed financial consent. This is endorsed by the government and the Australian Medical Association. If this advice was not given to you, the doctor has not satisfied the requirements for Informed Financial Consent. If you feel this has not been provided you will need to discuss this with the Doctor. The HCF Team

I have just transferred from Medibank Private to HCf after 10 years. If I found out now that I needed emergency surgery and it wasn't pre- existing would i be covered. or do I still need to wait the 2 month waiting period? Thank you. June.
1 answer
Hi June, Thanks for your question. If you’ve switched from another health fund, continuity of cover is granted and you may not need to serve waiting periods if your HCF cover includes the same benefits and services as your previous cover; and you’ve serviced the equivalent waiting periods with your previous fund. Please call our team at 13 13 34 to discuss your specific level of cover. If you are planning to have a procedure, please make sure you have the 5-digit Medicare item number quoted to you by your treating doctor. Many thanks, Laura - HCF

is erectile disfunction surgery covered by hcf?
1 answer
Hi John, Please contact our team at 13 13 34 with the 5 digit Medicare item noted by the treating medical practitioner. The team will be able to complete a "hospital eligibility check" based on this Medicare item number, to confirm if this will be covered. Many thanks, Laura

Hi I am having some dental work done for one of my family members. I have just been advised that the private hospital i am going to is not covered by HCF. This hospital is the only one that performs this type of work where i live. Will hcf make exceptions in this insta nce and pay a claim as i have no other option?
1 answer
Hi Grace, thanks for your question. Please give our member care team at 13 13 34 a call and they will be able to discuss this with you. Many thanks, Laura

Hellos there. I have always had private health cover. I have been with HCF for 12 months now. I am wanting to add my partner and upgrade to a premium cover as we are planning a family. What will that do for my waiting periods for things such a pregnancy and obstetrics?
1 answer
Hi Shaun, thanks for your enquiry. Can you please email us at social@hcf.com.au and let us know your membership number and a convenient time for someone to contact you? We can arrange a callback for you and our staff will gladly assist you. Many thanks, Laura

Hello, I'm getting a surgical procedure done for my breasts. I'm getting breast augmentation and was wondering if HCF covers any of the hospital fees or anything? Thank you.
1 answer
Hi Jemima, Thanks for your inquiry. Can you please contact us on 13 13 34 with the “5 digit” Medicare item number provided to you by the Doctor/Specialist? Our Hospital Information line will be able to undertake an eligibility check and confirm whether or not you will be covered for the procedure. Thanks, Laura (HCF)

What does refer to fund p8 mean?
1 answer
Page 8 of the contract. Good Luck. My suggestion is that if your down to having to look at the clauses in their policy, its time to change funds.

I had a breast removed for early stage cancer ten years ago, and annual checkups have not revealed any cancer in the remaining breast. If opt to have it removed, would my HCF membership cover that?
1 answer
Dear Roberta, apologies for the delay getting back to you. Our Member Care will be more than happy to assist you with this and any other questions you have relating to your membership. Please give them a call on 13 13 34. Kind regards, Rosannah

does hcf cover hire of robotics machine in hospital for prostate surgery?
1 answer
Dear Jimi, apologies for the delay getting back to you. Our Member Care will be more than happy to assist you with this and answer any questions about your membership. Please give them a call on 13 13 34. Kind regards, Rosannah

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