HBF Dental Insurance | Dental Health Cover

Preventative dental

Covers essentials like everyday check-ups that care for your teeth and keep them healthier for longer. Includes services like:

Examinations

An evaluation of the current status of your teeth and mouth.
Scale and cleans

Remove plaque and tartar that can't be removed with everyday brushing and flossing.
Custom mouthguards

Protect teeth during sport.

Covered	Extras cover	Annual limits*
	Basic	No limit
	Flex 50	800 Combined annual limit for a range of services
	Flex 60	1,000 Combined annual limit for a range of services
	Complete 60	No limit
	Top 70	No limit

*All limits shown are per person (pp), per calendar year unless otherwise specified on less than 1 year of continuous Extras cover.

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Restorative dental

Covers minor treatments that fix common dental issues. These treatments can prevent more extensive procedures down the track. Includes services like:

Simple fillings

Prevent tooth decay from continuing to damage teeth.
Extractions

Remove teeth, including surgical removal of wisdom teeth.

Covered	Extras cover	Annual limits*
	Basic	350
	Flex 50	800 Combined annual limit for a range of services
	Flex 60	1,000 Combined annual limit for a range of services
	Complete 60	800 Combined annual limit for Restorative Dental & Major Dental and Implants
	Top 70	No limit

*All limits shown are per person (pp), per calendar year on less than 1 year of continuous Extras cover.

Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage.

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Major dental & Implants

Covers complex treatments that involve repairing or replacing teeth. Includes services like:

Crowns

A cover or “cap” that is placed over a damaged tooth. May also be used to improve a tooth's appearance, shape or alignment.
Bridges

Used to replace a missing tooth with a false tooth. The bridge is attached to the teeth or implants on either side of the missing tooth.
Endodontics

Treats the pulp tissue in the tooth and the tissue surrounding the roots of a tooth. Treatment may include a root canal.
Implants

Replace a missing tooth by placing an implant into the jawbone. A crown is attached to make the implant look like your other teeth.

Covered	Extras cover	Annual limits*
	Basic	Excluded
	Flex 50	800 Combined annual limit for a range of services
	Flex 60	1,000 Combined annual limit for a range of services
	Complete 60	800 Combined annual limit for Restorative Dental & Major Dental and Implants
	Top 70	Up to 3 years 1000 3 - 4 years 1250 5 years and over 1500

*All limits shown are per person (pp), per calendar year unless otherwise specified on more than 1 year of continuous Major Dental cover.

Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage.

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Orthodontics

Covers treatments that straighten teeth and correct problems with biting, chewing, and jaw alignment. Includes services like:

Braces

Bands and brackets that align and straighten teeth.
Palatal expanders

An appliance that widens the upper or lower jaw to prevent crowding of teeth and cross bites.

For more information on Orthodontics, visit our simple guide to Orthodontics and how it works.

Orthodontic treatment has a lifetime limit. This is the maximum amount you can claim over the course of your life. In determining if you have reached the lifetime limit for your product, we consider the amount you have claimed from HBF and any other health funds.

Covered	Extras cover	Annual limits*
	Basic	Excluded
	Flex 50	Excluded
	Flex 60	Excluded
	Complete 60	600 Lifetime limit: $1,800*
	Top 70	800 Lifetime limit: $2,400*

*All limits shown are per person (pp). Annual limits are per calendar year unless otherwise specified on more than 1 year of continuous Orthodontics cover.

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How does it work?

Sign up online
Once you have picked an extras product that covers the dental services you need, you can sign up online in just a few minutes or contact us.
Serve any applicable waiting periods
If you are new to private health insurance, you may need to serve waiting periods. If you are switching from another policy or fund, waiting periods may apply so please contact us before starting treatment.
Check your benefits and limits
You can check your dental benefits and annual limits by logging into myHBF. You can see your annual limits at any time, but you will need to know the dental item numbers and fees to complete a benefit quote. You can get item numbers and fees by speaking with your dentist.
Book an appointment
You can book a dental appointment at any dentist that is an approved provider with HBF. To see if your provider is covered, call us on 133 423.

Dental Insurance FAQs

This will depend on which level of cover you have and the dental service being provided. After you get a treatment plan from your dentist with the dental item numbers to be provided, give us a call to complete a benefit quote so you know exactly what benefits you are entitled to. Please note that waiting periods and annual limits may apply.

You’ll generally be able to claim electronically at your dentist. Swipe your HBF member card when you pay, and we will pay the provider directly, on the spot. All you will need to pay is the “gap”, which is the difference between what your dentist charges and the benefit that HBF pays to your dentist on your behalf.

Alternatively, you can pay the dentist upfront and submit your accounts and receipts to HBF by one of the following methods:

School dental programs, funded by the State Government, typically provide general dental treatments but do not include major dental treatments likes crowns, endodontic treatment or braces.

If you don't have Extras cover, and your kids need dental treatment not funded by the State Government, you will have to cover the full cost of these treatments.

This will depend on where the surgical extraction is taking place.

After you get a treatment plan from your dentist or oral surgeon with all the dental item numbers to be provided, give us a call to complete a benefit quote so you know exactly what benefits you are entitled to.

If your extraction is taking place at the dental practice, you will not need hospital insurance – all applicable benefits will be paid from your Extras cover. However, if your extraction takes place at a hospital, you will need to have Hospital cover in order to claim benefits for accommodation and theatre costs.

Affordable dental cover to keep you smiling

Types of dental cover

Preventative dental

Examinations

Scale and cleans

Custom mouthguards

Restorative dental

Simple fillings

Extractions

Major dental & Implants

Crowns

Bridges

Endodontics

Implants

Orthodontics

Braces

Palatal expanders

How does it work?

Dental Insurance FAQs

Get in touch with HBF

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Affordable dental cover to keep you smiling

How does it work?

Dental Insurance FAQs

How much can I get back?

How do I claim?

My kids are eligible for the school dental service program, do I still need dental cover?

Do you need hospital cover for surgical dental extractions?

Get in touch with HBF

Please select your state or territory

Change your state or territory

Please select your state or territory

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