HBF Insurance

Subject: HBF Insurance Tue 17 May 2011, 2:31 am

Had a quick search but can't seem to find anything...

Has anyone gone through HBF? Is so what is their coverage like?

Thanks,
Jess kiss

Subject: Re: HBF Insurance Tue 17 May 2011, 4:50 am

Hi

I have HBF just got the quote I have to pay $100 to the hospital and thats it. Everthing is covered

My cover was just Smart Saver Twin Pack. The doctor was $ 3000. Just need to ask for the op numbers then ring HBF.

Cheers

Kaz

Ps Hope this helps

Subject: Re: HBF Insurance Tue 17 May 2011, 5:01 am

Thanks Kaz, is a big help. Off to the docs for a referral and just interested to know what i'll be out of pocket :)

Well done on the the no soft drink btw! I'm weaning myself of coke zero. It's a process.... but not one i enjoy! HBF Insurance 68366

Subject: Re: HBF Insurance Sun 19 Jun 2011, 6:51 am

At SJOGH in WA, HBF patients are fully covered for hospital bed, theatre fees, radiography. If you have an excess, that is all you pay. Get the Medicare Item number from the Surgeon and ring your fund. Sometimes you will need to pay for medicines from the pharmacy, and I don't know if these are covered or not. HBF is good if you are going to a participating hospital, these should be listed in your member info booklet, or check on the website.

Definately give them a ring, you are paying for the service and they deal with these questions all the time.
Good Luck

Subject: Re: HBF Insurance Sun 28 Aug 2011, 3:40 am

I'm with hbf, top cover, all I had to pay was $100 for pharmaceuticals.

Subject: Re: HBF Insurance Wed 21 Sep 2011, 2:24 pm

I have top hospital cover with HBF. Does anyone know if all SJOG hospitals are the same rebate/cover wise?

Subject: Re: HBF Insurance Wed 21 Sep 2011, 2:40 pm

not sure what type hbf cover i have but had to way pharmacuticles, and excess for the private room

Subject: Re: HBF Insurance Fri 23 Sep 2011, 4:11 am

Ok, so I have spoken to HBF and even though I have top cover and it will be in a SJOG hospital I still have a big gap to pay for my surgeon, so just to let other people know that are enqiring about HBF and I guess any surgeon... that it does depend on your surgeon as to what they will cover.

My Dr isn't a "no Gap" dr. He charges $4800 and I dont get much back at all from that fee...I'll be out of pocket $3900 and believe itor not medicare pays more than HBF for him.... but being done in a participating hospital all my hospital stuff will be covered except for excess, extra night stay in hospital if need be and pharmacueticals.

If you have a No Gap Dr, you'll be mostly covered for everything.