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How-to guides
Check out our simple how-to guides to assist you in managing your HBF cover online, anytime.
At HBF, we regularly evaluate our health insurance products, their coverage, and how they compare to industry standards to ensure that we can continue to provide sustainable and high-value coverage for all our members.
As a result of a recent review, changes will apply to the benefits payable under Pharmaceutical (non-PBS) on our extras covers as at 9 July 2024.
Refer to the FAQ section below for details on this change.
Our priority is to remain a sustainable, member-focused organisation that continues to provide affordable and valuable health insurance products for all our members.
As the health insurance market changes over time, we need to continuously review and assess the range of products we offer and the coverage they provide.
Our recent review has shown that our extras pharmaceutical coverage needs to change to remain sustainable and keep future premium increases to a minimum.
HBF will no longer pay benefits for this medication. If you need this medication, we recommend that you speak to your healthcare provider about what options you have.
There will be no changes to your premium as a result of these changes.
If you have affordability concerns, please give us a call on 133 423. We'll be happy to talk to you about your health cover options and what is right for you.
If you were already undergoing an ongoing course of treatment, as at 1 May 2024, with any medication that has been impacted by this change, your benefits for the medication will not change until 1 August 2024.
You can use this time to have prescriptions filled for your course of treatment, and we will honour your current benefits for medications dispensed up to this date, subject to your annual limit.
If you were not already undergoing a course of treatment as at, 1 May 2024, the changes for your medication will be effective as of 9 July 2024.
Compounded medications (also known as extemporaneous) are custom-made by a pharmacist for a unique requirement, for example, customising the strength, altering its form to make it easier to ingest, or adding flavour to make it more palatable.
The intent of compounding is to meet an individual's clinical needs where a commercially manufactured medicine is not suitable.
Pre-manufactured medications are pharmaceutical drugs that are readily available for distribution and use once prescribed by your GP. Pre-manufactured medication is produced in standardised doses and forms.
In Australia, all pre-manufactured medication must be approved by the Therapeutic Goods Administration (TGA) after being evaluated for quality, safety, and efficacy for its indicated use.
Benefits will be reduced for Semaglutide, Dulaglutide, Exenatide, Liraglutide and Tirzepatide on all extras covers that include Pharmaceuticals (non-PBS), the new benefit depends on your selected level of cover.
All other medications will remain at your current benefit amount.
The way you submit your claim is not changing. However, it may take longer for you to receive your benefit. During the grace period, for each claim that we pay, you may see two amounts on different days that equal your full benefit.
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