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Health fun?
i need something better than HBF!


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#1 stressnless9

Posted 28 November 2012 - 06:37 PM

Hi all

What health fund do you use for things like maternity,dental,glasses,chiro?
what does it cost you?
how much does it cover?

at the moment it costs us $87 per fortnight
we get $300 for chiro & physio combined per person per year
I got glasses that cost $500 all up HBF only cover $100 of that.
maternity cover was really good only had to pay i think $100 for 6 nights in private hospital.
we are both going to need dental work done shortly (i think i just need a filling) but DP needs some pretty major work!!
i really havent used it all that much except glasses and the maternity- which i want to keep as ill be having another 1 at some stage!

i have had heaps of people tell me HBF is not very good compared to other funds?

#2 adnama

Posted 28 November 2012 - 06:46 PM

We are with people care. Gold extras and a hospital package (not sure which one)

But my glasses cover is $300/yr so my glasses this year i was out of pocket $35


#3 madmother

Posted 28 November 2012 - 06:52 PM

HCF has been fantastic for all our needs.

We even checked with Select and they told us to stay with them!


check with iSelect.

they will ask lots of questions and compare.

#4 stressnless9

Posted 28 November 2012 - 07:04 PM

Oh yes forgot about iSelect! thank you!

#5 SeaPrincess

Posted 28 November 2012 - 07:06 PM

I'm in WA and left HBF years ago. We are with GMHBA who do not advertise with iSelect anymore. At the time we changed, equivalent cover cost $50/month less than HBF and the benefits were the same or better for nearly everything.

Optical cover is $250, but they have a reward system, so I haven't paid anything for my glasses for the past few years even though they cost more (I think my last ones were about $400)

#6 EsmeLennox

Posted 28 November 2012 - 07:20 PM

If you are only paying $87/fortnight then you must have a fairly low level of cover, hence your crap rebates. The lower levels of HBF do have some pretty shocking rebates for ancillary cover.

It's sixes and sevens I have found. We are with HBF and I did shop around a while back and found that isome funds we would pay a lot more for similar cover and in others we would only save a couple of hundred a year, which wasn't worth it for us when we have orthodontic treatment coming up and the longer you are with your fund the better the rebates on that.

But you really have to look closely at what's important to you - for us major dental was a huge consideration and we got better rebates with HBF and had length of membership on our side.

What I would like to see though is more companies come out with options like knocking off maternity or other services that you'll never use to get a discount.

#7 Gloriana

Posted 28 November 2012 - 08:15 PM

Agree you must be on a low cover.
We are with HBF and pay $125/ fortnight. We shopped around a few months back and HBF was still better for us.

#8 stressnless9

Posted 28 November 2012 - 08:27 PM

maybe i am? ha ha i havent paid that much attention i must call them tomorrow and up the cover then! then compare with others.

we now do need pretty much the highest cover possible because 1 child perhaps could need dialysis if condition doesnt get under control and stay in control over next yr or so..


#9 jayskette

Posted 28 November 2012 - 08:32 PM

For extras I tend to not even bother with cover, as the payment you get back is very miniscule. esp for Dental. You are better off saving up and then use a interest free plan like GE Health, you get no interest for up to 36 months after the procedure.

Also for cover, do you have a corporate plan? You could also apply for a corporate plan as a spouse.




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