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HBF
qld  |  Extras  |  Couple

Dental Saver

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Fund overview

Member benefits and HQ costs relative to members' premiums

This policy is underwritten by HBF Health Limited, which is the 4th largest fund by number of insured people in Australia.
Learn more about funds
Treatment
Coverage
Wait (months)
Example rebates
Annual limits
General dental
Description

Treatment for or relating to your teeth provided by a dentist or a dental surgeon. Typically this includes check-ups, cleans, and simple fillings. See also: Major dental.

Covered
2
Periodic oral exam: $37.50
Scale and clean: $73.50
Fluoride treatment: $18.75
Surgical tooth extraction: $81.00
$400 per person
Major dental
Description

Significant dental services, such as complex fillings, tooth extractions, crowns and bridges.

Excluded
-
-
-
Endodontic services
Description

Specialised dental treatment relating to dental pulp. This includes treating tooth pain and root canal treatment.See also: General dental, Major dental.

Excluded
-
-
-
Orthodontics
Description

The branch of dentistry that specialises in the diagnosis, prevention and treatment of dental and facial irregularities. This generally involves the use of braces, removable appliances, functional appliances or headgear.

Excluded
-
-
-
Optical (glasses)
Description

Includes prescription lenses, spectacle frames, and contact lenses. Insurers do not pay benefits for optometrist's consultations as these are generally eligible for Medicare benefits.

Excluded
-
-
-
Physiotherapy
Description

Physiotherapists treat injury, disease and disorders through physical methods. Physiotherapy uses manual therapies, exercise programs and electrotherapy techniques to improve movement, reduce pain and stiffness, and increase quality of life.

Excluded
-
-
-
Acupuncture
Description

Acupuncture treatment involves inserting small needles into various points in the body to stimulate nerve impulses.

Excluded
-
-
-
Blood glucose monitors
Description

A device to measure the concentration of glucose in the blood. Benefits for blood glucose monitors may be deducted from an overall health aid limit – check with your insurer for details.

Excluded
-
-
-
Chiropractic
Description

Chiropractors use spinal adjustments to treat health problems that are related to nerves, skeletons and muscles.

Excluded
-
-
-
Hearing aids
Description

A device to amplify and change sound to assist people with hearing impairments. Benefits for hearing aids may be deducted from an overall health aid limit.

Excluded
-
-
-
Non-PBS Pharmacy
Description

Includes prescription pharmaceuticals which are not listed on the Australian government’s Pharmaceutical Benefits Schemes (PBS). Pharmaceutical benefits usually require a co-payment from you.

Excluded
-
-
-
Podiatry
Description

Podiatrists are specialists in foot, ankle and lower limb health.

Excluded
-
-
-
Psychology
Description

Psychologists deal with people in their everyday lives or within their work environment to help them function better and to prevent the development of problems in mental and physical health. Some general treatment policies provide benefits for psychology - check with health insurers for details.

Excluded
-
-
-
Remedial massage
Description

Deep massage to treat injuries and speed recovery (for example, strains, sprains, bruising).

Excluded
-
-
-

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