A Guide to HBF Dental Private Health Insurance Benefits

A Guide to HBF Dental Private Health Insurance Benefits for Dental Services in Western Australia

Private health insurance plays a crucial role in ensuring people have access to quality healthcare services, which includes dental care. In Western Australia, one of the leading private health insurers that Aria works with is HBF, which offers a range of coverage options and has special HBF dental service options for its eligible HBF members.

Preventative Basic HBF Dental Coverage

HBF dental basic coverage typically includes essential treatments and preventative care (your regular check-up and clean dentist appointment). This category of coverage often includes benefits for routine check-ups, dental examinations, cleanings, fluoride treatment, mouthguards, and x-rays. Basic dental coverage focuses on maintaining oral health and preventing serious dental issues. However, it does not cover more complex procedures such as orthodontics, major restorations, or cosmetic dentistry.

Restorative HBF Dental Coverage

Covers minor treatments that fix common dental issues. These treatments can prevent more extensive procedures down the track. This category typically includes coverage for procedures such as simple fillings, wisdom teeth and extraction treatments.

Major HBF Dental Coverage

HBF’s major dental coverage is designed to provide benefits for more extensive treatments and dental procedures. Major oral coverage aims to address common dental problems that require professional intervention beyond routine care, such as dental implants, crowns, bridges, and root canals. However, coverage limits and HBF member wait periods do apply, so it is important to review the policy details on the ‘my HBF’ portal carefully.

Implants & Prosthodontic Coverage

Prosthodontics focuses on the replacement or restoration of missing teeth with devices such as dentures, bridges, or dental implants. HBF’s prosthodontic coverage typically includes benefits for consultations, impressions, and the provision of these devices. However, the coverage may have restrictions on the type of prosthodontic treatments covered and the frequency of replacements. Visiting a HBF preferred provider like Aria can help maximise your claimable benefits.

Orthodontic Coverage

Orthodontic treatment, such as braces or clear aligners, is commonly sought to correct misaligned teeth or jaw alignment issues. HBF offers orthodontic coverage as a separate category, which provides benefits for orthodontic consultations, hbf invisalign / bupa invisalign, diagnostic procedures, and teeth straightening treatment. Orthodontic coverage may have its own wait periods and lifetime limits, so it is essential to consider these factors when selecting your plan. HBF Orthodontic treatment does has a lifetime limit, this is the maximum amount you can claim over the duration of your life.

Cosmetic Dentistry

Cosmetic dental procedures, such as teeth whitening or veneers, are considered as elective treatments primarily aimed at enhancing the appearance of teeth. HBF health insurance dental provider may offer but may have limited coverage or no coverage from HBF for cosmetic dentistry procedures. It is essential to review your policy details to understand the extent of coverage for cosmetic treatments.

HBF Waiting Periods and Extras Coverage

It is important to note that waiting periods may apply to various dental treatments, hbf dental prices and services. These wait times are the initial periods after purchasing a policy during which the insured individual is not eligible for certain benefits yet, like HBF dental. These wait periods may vary depending on the insurance plan and the specific HBF dentist treatment. Additionally, extras coverage, which includes dental services, often has annual limits on benefits payable, so it is vital to consider these limits when assessing the suitability of a plan. Take the time to review to make sure your plan matches your and your family’s needs. Read the HBF dental fee schedule 2023.

Aria Dental is a HBF Dental Members Plus Partner

Aria Dental’s team are HBF preferred dentists. HBF members can get more money back with Member Plus dentist compared to general dental insurance. With eligible extras cover, HBF Member Plus dental providers can help minimise your out-of-pocket costs with a 75%, 85% or even 100% back on Preventative Dental services and include one fully covered scale and clean each year, without any out-of-pocket cost. Make sure you use your HBF free dental clean /  health insurance free dental check-up each and every year!

Contact any Member Plus HBF dental centre for a benefit quote and see how being an eligible HBF Members Plus policy holder could help you save. (Benefits payable up to applicable annual limits. Wait periods and service limits may apply). Depending on your insurance product, HBF also covers between 75% and 100% of the agreed fee for other Preventative dental services at Member Plus dentists and HBF dental locations.

HBF Dental Coverage

HBF private dental insurance offers a range of dental coverage options in Western Australia, catering to various HBF dental needs, like general dental vs major dental. Whether you require routine check-ups, dental treatments, orthodontics, or prosthodontics, HBF provides different categories of coverage to suit your requirements. However, it is crucial to thoroughly review the HBF dental policy details, including waiting periods, coverage limits, and exclusions, to make an informed decision.

By selecting the appropriate HBF dental insurance plan, individuals can gain access to quality dental services, better pricing and maintain their optimal oral health long term. (Note: exclusions apply). *Not to be confused with HBF home insurance. You can also call HBF direct to ask questions like “what does hbf major dental cover?”, “what is major dental?” or under your gap payment on a root canal cost perth hbf.

As a HBF Member Plus dental provider, you can book your comprehensive examination by calling our Aria Dental Patient Services team on 08 9226 2135.