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Your guide toFlexi Extras

1800 640 215

Flexi Extras - HBF (Cover for residents in NSW, VIC, QLD, SA, TAS, NT and ACT.)

Tailor your cover to suit you with Australia’s most flexible extras cover.Tailor your cover to suit your lifestyle by choosing 10 services from a list of 19. Plus, you can swap services when your needs change. This cover offers you great value as you only pay for what you’re likely to use.

This is an overview of Flexi Extras. Additional information you should know relating to this cover can be found in the Important Information guide available at hbf.com.au/importantinfo or via 133 423.

FLEXI EXTRAS FLEXI EXTRAS MID FLEXI EXTRAS PLUS

SERVICES WAITING PERIODS BENEFITS

MAXIMUM PER PERSON PER CALENDAR YEAR

BENEFITSMAXIMUM PER PERSON PER CALENDAR YEAR

BENEFITSMAXIMUM PER PERSON PER CALENDAR YEAR

Appliances

Hearing aid 12 months

55%

$600 under 1yr Increasing $100 per yr up to a maximum of $1000 Combined annual maximum1

65%

$800 under 1yr Increasing $150 per yr up to a maximum of $1400 Combined annual maximum1

75%

$1000 under 1yr Increasing $200 per yr up to a maximum of $1800 Combined annual maximum2

Other appliance e.g. blood pressure monitor

2-12 months

Chiropractic

Initial consultation2

months

$38 $350 under 1yr Increasing $50 per yr up to a maximum of $550

$46 $450 under 1yr Increasing $50 per yr up to a maximum of $650

$54 $550 under 1yr Increasing $50 per yr up to a maximum of $750

Subsequent consultation $25 $30 $35

Dental - General

Consultation/examinations 2

months

Up to $62

Unlimited

Up to $74

Unlimited

Up to $86

UnlimitedExtractions Up to $190 Up to $210 Up to $250

Fillings - direct From $67 From $80 From $93

Dental - Major, Implants and Orthodontics Benefit for banding is for the full course of treatment and includes all associated treatment (such as removable appliances and/or adjustments) following the fitting of the appliance.

Crowns

12 months

Up to $750

1-2 years $1100

2-3 years $1200

3-4 years $1300

Over 4 years $1400

Up to $900

1-2 years $1400

2-3 years $1500

3-4 years $1600

Over 4 years $1700

Up to $1051

1-2 years $1700 2-3 years $1800 3-4 years $1900

Over 4 years $2000

Bridges Up to $500 Up to $650 Up to $800

Full dentures Up to $905 Up to $1086 Up to $1267

Implants Up to $957 Up to $1149 Up to $1341

Orthodontics (partial arch banding – upper or lower banding)

Up to $700 Benefit varies

depending on your

treatment and item number

Up to $850 Benefit varies

depending on your

treatment and item number

Up to $1000 Benefit varies

depending on your

treatment and item number

Orthodontics (full arch banding – upper and lower banding)

Up to $1400 Benefit varies

depending on your

treatment and item number

Up to $1700 Benefit varies

depending on your

treatment and item number

Up to $2000 Benefit varies

depending on your

treatment and item number

1 Maximum shown is payable for a 3 yr period for hearing aids. 2 Maximum shown is payable for a 2 yr period for hearing aids.

1800 640 215

Flexi Extras - HBF (Cover for residents in NSW, VIC, QLD, SA, TAS, NT and ACT.)

3 For HBF approved programs only. 4 A program is a minimum of eight sessions within a three month period. 5 Multiple services provided during a consult will be paid a single benefit. HBF does not pay a benefit for medications/herbs.

FLEXI EXTRAS FLEXI EXTRAS MID FLEXI EXTRAS PLUS

SERVICES WAITING PERIODS BENEFITS

MAXIMUM PER PERSON PER CALENDAR YEAR

BENEFITSMAXIMUM PER PERSON PER CALENDAR YEAR

BENEFITSMAXIMUM PER PERSON PER CALENDAR YEAR

Exercise physiology

Consultation 2 months $32

$300 under 1yr Increasing $50 per yr up to a maximum of $500

$38

$400 under 1yr Increasing $50 per yr up to a maximum of $600

$45

$500 under 1yr Increasing $50 per yr up to a maximum of $700

Eye therapy

Consultation 2 months $35

$300 under 1yr Increasing $50 per yr up to a maximum of $500

$42

$400 under 1yr Increasing $50 per yr up to a maximum of $600

$49

$500 under 1yr Increasing $50 per yr up to a maximum of $700

Healthy living programs3

Health education programs, quit smoking programs, weight management programs, travel vaccination, pilates programs & yoga programs4

2 months 55%

$200 under 1yr Increasing $50 per yr up to a maximum of $300

$150 sub-limit for health education programs & weight management programs

65%

$250 under 1yr Increasing $50 per yr up to a maximum of $350

$200 sub-limit for health education programs & weight management programs

75%

$300 under 1yr Increasing $50 per yr up to a maximum of $400

$250 sub-limit for health education programs & weight management programs

Natural therapies5 Includes consultations for naturopathy, homeopathy, acupuncture, traditional Chinese medicine, herbalism consult, Bowen therapy, Alexander technique, kinesiology, hypnotherapy, Feldenkrais, shiatsu, aromatherapy and reflexology from HBF approved providers.

Consultation 2 months $36

$250 under 1yr Increasing $50 per yr up to a maximum of $350

$44

$300 under 1yr Increasing $50 per yr up to a maximum of $400

$51

$400 under 1yr Increasing $50 per yr up to a maximum of $500

Nutritionist (includes consultations with dietitians)

Initial consultation2

months

$55 $300 under 1yr Increasing $50 per yr up to a maximum of $500

$66 $400 under 1yr Increasing $50 per yr up to a maximum of $600

$78 $500 under 1yr Increasing $50 per yr up to a maximum of $700

Subsequent consultation $37 $44 $51

Occupational therapy

Initial consultation2

months

$44 $300 under 1yr Increasing $50 per yr up to a maximum of $500

$53 $400 under 1yr Increasing $50 per yr up to a maximum of $600

$62 $500 under 1yr Increasing $50 per yr up to a maximum of $700

Subsequent consultation $36 $44 $51

Group consultation $27 $33 $38

Optical

Includes glasses and contact lenses

2 months 100% up to $200 per yr 100% up to $250 per yr 100% up to $275 per yr

Osteopathy

Initial consultation2

months

$38 $350 under 1yr Increasing $50 per yr up to a maximum of $550

$46 $450 under 1yr Increasing $50 per yr up to a maximum of $650

$54 $550 under 1yr Increasing $50 per yr up to a maximum of $750

Subsequent consultation $25 $30 $35

1800 640 215

Flexi Extras - HBF (Cover for residents in NSW, VIC, QLD, SA, TAS, NT and ACT.)

6 Foot orthoses must be medically necessary and custom-made from one of the following providers approved by HBF: podiatrist, orthotist, pedorthist or surgical bootmaker. For some foot orthoses, HBF will only pay a benefit when provided by an approved podiatrist or orthotist. 7 HBF will cover the cost for urgent ambulance transport by road only for circumstances classified by the state ambulance provider as requiring urgent attention. HBF will not pay a benefit for air ambulance services.Benefits only payable for services and programs provided by providers that are approved by HBF. Since not all providers are HBF approved, be sure to ask us first. There is a limit of 1 initial consultation per service, per calendar year.

The information in this brochure is correct at 15 February 2017.

Before receiving any treatment, you should contact us or go to hbf.com.au/myhbf for a health benefit quote so you know how much you’re covered for, the benefits you’ll receive and any out-of-pocket expenses.

FLEXI EXTRAS FLEXI EXTRAS MID FLEXI EXTRAS PLUS

SERVICES WAITING PERIODS BENEFITS

MAXIMUM PER PERSON PER CALENDAR YEAR

BENEFITSMAXIMUM PER PERSON PER CALENDAR YEAR

BENEFITSMAXIMUM PER PERSON PER CALENDAR YEAR

Pharmacy

For pharmaceuticals listed on the HBF Pharmacy Schedule

2 months

Cost of medicine less co-payment

(this may vary depending

on the medication)

$300 under 1yr Increasing $50 per yr up to a maximum of $500

Cost of medicine less co-payment

(this may vary depending

on the medication)

$400 under 1yr Increasing $50 per yr up to a maximum of $600

Cost of medicine less co-payment

(this may vary depending

on the medication)

$600 under 1yr Increasing $50 per yr up to a maximum of $800

Physiotherapy

Initial consultation2

months

$41 $350 under 1yr Increasing $50 per yr up to a maximum of $550

$49 $450 under 1yr Increasing $50 per yr up to a maximum of $650

$57 $550 under 1yr Increasing $50 per yr up to a maximum of $750

Subsequent consultation $32 $39 $45

Podiatry

Initial consultation 2 months

$35

$300 under 1yr Increasing $50 per yr up to a maximum of $500

$43

$400 under 1yr Increasing $50 per yr up to a maximum of $600

$50

$500 under 1yr Increasing $50 per yr up to a maximum of $700

Subsequent consultation $29 $35 $41

Foot orthoses – including casting6 1 per person per calendar year 12

months 50% 60% 70%Diagnostic testing and biomechanical evaluation6

Psychology (includes clinical psychology and psychology)

Individual assessment - clinical psychologist 2

months

$104 $300 under 1yr Increasing $50 per yr up to a maximum of $500

$125 $450 under 1yr Increasing $50 per yr up to a maximum of $650

$146 $600 under 1yr Increasing $50 per yr up to a maximum of $800Consultation $82 $99 $115

Remedial massage

Consultation 2 months $30

$300 under 1yr Increasing $50 per yr up to a maximum of $500

$36

$350 under 1yr Increasing $50 per yr up to a maximum of $550

$42

$400 under 1yr Increasing $50 per yr up to a maximum of $600

Speech therapy

Initial consultation2

months

$74 $300 under 1yr Increasing $50 per yr up to a maximum of $500

$89 $400 under 1yr Increasing $50 per yr up to a maximum of $600

$103 $500 under 1yr Increasing $50 per yr up to a maximum of $700

Subsequent consultation $43 $52 $61

Group consultation $21 $26 $30

Urgent ambulance7

Urgent ambulance (road transport) 7 days

Cover for urgent

ambulance transport

No limit

Cover for urgent

ambulance transport

No limit

Cover for urgent

ambulance transport

No limit

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