Joint health programs that help keep you moving

Discover alternatives for managing joint pain with our joint health programs. Delivered by our trusted health partners, our evidence-based programs can help members reduce pain, improve mobility and support better quality of life.

An illustration of a woman bending backwards with a dog balancing a ball on its nose.

Programs that help you manage joint pain

Explore our range of evidence‑based joint management programs that can help reduce osteoarthritis symptoms, providing members with a better quality of life.

Hospital and Surgery Support

Considering joint replacement surgery? Our holistic approach is designed to give members greater confidence, after-surgery care and reduced costs for a better member experience.

More about joint pain, how to manage joint health and more

Looking for more information?

From understanding osteoarthritis treatment to exploring alternatives to joint surgery, here are answers to some of the most common questions members ask. Speak to your GP or specialist about the alternatives that may be right for you.

As per the Royal Australian College of General Practitioners (RACGP), non‑surgical alternatives to delay or prevent the need for knee replacement surgery can include targeted weight management, education and exercise programs to relieve pain and improve joint function, helping to better manage osteoarthritis symptoms.

Early intervention programs such as the HCF No-Gap GLA:D® Knees Program and the Osteoarthritis Healthy Weight for Life Program focus on strengthening the joint, improving mobility, assisting weight management and symptom reduction. These evidence‑based approaches can help reduce knee pain, and in many cases improve joint stability and movement over the long term.

If you’re not sure where to start and you’re looking for non-surgical interventions:

  • HCF Health Coaching for Knee Osteoarthritis can put you in touch with experienced health coaches for personalised, proactive support all from the comfort of your home#.
  • CSIRO Total Wellbeing Diet can help you lose weight and keep it off with two online programs to choose from focusing on weight management and nutrition support^^.
  • HCF Healthful, our health and wellbeing app, allowing you to track your health and wellbeing in real-time and with 24/7 digital coach available for guidance and support##.

Research from the RACGP shows that strengthening the muscles around your knee can help better support and stabilise the joint, reducing the load and pressure on the knee, which can ease pain and improve movement for people with knee osteoarthritis. As per the Guideline for the management of knee and hip osteoarthritis, there is some evidence to also recommend muscle-strengthening exercise and exercise programs, walking and Tai Chi for individuals with an increased risk of falling.

Early intervention programs like the HCF GLA:D® Program for Osteoarthritis can provide structured education and supervised exercise to help improve knee strength, reduce knee pain and support everyday movement. If you’re not sure where to start, speak to your GP or specialist for support, or an HCF-recognised physio or exercise physiologist who can offer advice suited to your ability and condition if you have eligible extras cover~~.

Find a physio or exercise physiologist near you

Recovery from a knee or hip replacement varies for each person, but typically involves a hospital stay, may include structured rehabilitation or physiotherapy and a gradual return to movement. Many people begin standing or walking with assistance shortly after surgery, followed by gentle exercises to restore strength, balance and mobility.

For more information about joint replacement recovery, visit our preparing for hospital guides to find answers to many questions about knee and hip replacements including how the surgery works, what it may cost, what your recovery may be like and more.

Learn more about knee replacement surgery

Learn more about hip replacement surgery

For eligible members***, HCF offers an alternate to hospital rehabilitation with treatment at home options through our network of hospital treatment substitute providers. This allows members to access rehabilitation services after a hip or knee replacement in the comfort of their home with no-out-of-pocket costs. Your doctor will need to make a referral to one of our contracted providers.

Learn about treatment at home

The stages of osteoarthritis range from mild, general stiffness and discomfort, to severe, sometimes causing disability and significant lifestyle changes. These stages reflect the progression of cartilage wear and changes to the joint, which may lead to symptoms such as pain, stiffness or limited mobility. Early intervention, including lifestyle changes, strengthening exercises, weight management and education can play a significant role in slowing symptom progression and maintaining mobility^^^.

If you’re unsure which stage of osteoarthritis you have, a GP or specialist can assess your stage based on symptoms, physical examination and imaging.

The cost of knee or hip replacement surgery can vary based on your surgeon fees, hospital charges, the location of your treatment and if you have private health insurance that includes cover for joint replacement surgery. 

To explore the typical costs involved in knee and hip replacement surgery in Australia, you can visit the Australian Government’s Medical Costs Finder or use our cost indicator tools to understand common fees and out-of-pocket costs. It’s important to confirm all costs directly with your specialist and health insurer before proceeding with treatment. 

Learn about knee replacement costs

Learn about hip replacement costs

Eligible members in NSW, Victoria and SA may be able to access the HCF No‑Gap Joints program, which offers a no out-of-pocket experience** (excluding hospital excess) for primary hip and knee replacements through partnerships with private hospitals and clinicians

How the No-Gap Joints program helps our members

As per the Royal Australian College of General Practitioners (RACGP), non‑surgical alternatives to delay or prevent the need for knee replacement surgery can include targeted weight management, education and exercise programs to relieve pain and improve joint function, helping to better manage osteoarthritis symptoms.

Early intervention programs such as the HCF No-Gap GLA:D® Knees Program and the Osteoarthritis Healthy Weight for Life Program focus on strengthening the joint, improving mobility, assisting weight management and symptom reduction. These evidence‑based approaches can help reduce knee pain, and in many cases improve joint stability and movement over the long term.

If you’re not sure where to start and you’re looking for non-surgical interventions:

  • HCF Health Coaching for Knee Osteoarthritis can put you in touch with experienced health coaches for personalised, proactive support all from the comfort of your home#.
  • CSIRO Total Wellbeing Diet can help you lose weight and keep it off with two online programs to choose from focusing on weight management and nutrition support^^.
  • HCF Healthful, our health and wellbeing app, allowing you to track your health and wellbeing in real-time and with 24/7 digital coach available for guidance and support##.

Research from the RACGP shows that strengthening the muscles around your knee can help better support and stabilise the joint, reducing the load and pressure on the knee, which can ease pain and improve movement for people with knee osteoarthritis. As per the Guideline for the management of knee and hip osteoarthritis, there is some evidence to also recommend muscle-strengthening exercise and exercise programs, walking and Tai Chi for individuals with an increased risk of falling.

Early intervention programs like the HCF GLA:D® Program for Osteoarthritis can provide structured education and supervised exercise to help improve knee strength, reduce knee pain and support everyday movement. If you’re not sure where to start, speak to your GP or specialist for support, or an HCF-recognised physio or exercise physiologist who can offer advice suited to your ability and condition if you have eligible extras cover~~.

Find a physio or exercise physiologist near you

Recovery from a knee or hip replacement varies for each person, but typically involves a hospital stay, may include structured rehabilitation or physiotherapy and a gradual return to movement. Many people begin standing or walking with assistance shortly after surgery, followed by gentle exercises to restore strength, balance and mobility.

For more information about joint replacement recovery, visit our preparing for hospital guides to find answers to many questions about knee and hip replacements including how the surgery works, what it may cost, what your recovery may be like and more.

Learn more about knee replacement surgery

Learn more about hip replacement surgery

For eligible members***, HCF offers an alternate to hospital rehabilitation with treatment at home options through our network of hospital treatment substitute providers. This allows members to access rehabilitation services after a hip or knee replacement in the comfort of their home with no-out-of-pocket costs. Your doctor will need to make a referral to one of our contracted providers.

Learn about treatment at home

The stages of osteoarthritis range from mild, general stiffness and discomfort, to severe, sometimes causing disability and significant lifestyle changes. These stages reflect the progression of cartilage wear and changes to the joint, which may lead to symptoms such as pain, stiffness or limited mobility. Early intervention, including lifestyle changes, strengthening exercises, weight management and education can play a significant role in slowing symptom progression and maintaining mobility^^^.

If you’re unsure which stage of osteoarthritis you have, a GP or specialist can assess your stage based on symptoms, physical examination and imaging.

The cost of knee or hip replacement surgery can vary based on your surgeon fees, hospital charges, the location of your treatment and if you have private health insurance that includes cover for joint replacement surgery. 

To explore the typical costs involved in knee and hip replacement surgery in Australia, you can visit the Australian Government’s Medical Costs Finder or use our cost indicator tools to understand common fees and out-of-pocket costs. It’s important to confirm all costs directly with your specialist and health insurer before proceeding with treatment. 

Learn about knee replacement costs

Learn about hip replacement costs

Eligible members in NSW, Victoria and SA may be able to access the HCF No‑Gap Joints program, which offers a no out-of-pocket experience** (excluding hospital excess) for primary hip and knee replacements through partnerships with private hospitals and clinicians

How the No-Gap Joints program helps our members

Important Information

All information on this page is general information only. It is not an endorsement or recommendation of any treatment nor is it a substitute for medical advice, and you should rely on the advice of your doctor or specialist in relation to any matters concerning your health.

* Source: https://gladaustralia.com.au/

^ Eligible members must have held HCF hospital cover for 12 months and hospital cover for joint replacement surgery for a minimum of 2 months and be up to date with their premiums. They mustn’t have participated in the GLA:D® Program for Osteoarthritis in the previous 2 years and be willing and able to complete the member feedback surveys. Clinical eligibility criteria apply.

+ Eligible members must have held HCF hospital cover for 12 months and hospital cover for joint replacement surgery for a minimum of 2 months, have a Body Mass Index (BMI) of 28 and higher, knee or hip osteoarthritis and are considering joint replacement surgery.

# Eligible members must have held hospital cover for 12 months (excluding Accident Only Basic and Overseas Visitors Health Cover). Clinical eligibility criteria also apply.

** Eligible members will need to have HCF hospital cover including primary hip and knee replacements for 12 months (excluding Overseas Visitors Health Cover). Members must meet clinical criteria and be accepted into the program by a participating clinician and hospital. You may be required to pay a hospital excess, depending on your cover and if you’re claiming for the first time in the calendar year. There may also be some small permitted gaps and additional costs for outpatient appointments, like a visit to your surgeon in their consulting rooms. Program is only available at participating hospitals for a limited time. For full program terms and conditions, including list of participating hospitals and program end dates, visit hcf.com.au/nogapjoints

^^ Eligibility criteria apply. For more information, visit hcf.com.au/csiro-total-wellbeing-diet

++ Awarded the 2025 Financial Standard’s Industry Service Award for Health and Wellness – Individual Life.

## Eligibility criteria applies. For more information see hcf.com.au/healthful

~ Eligibility criteria applies. For more information see hcf.com.au/gp2u

~~ To be eligible you must have HCF extras cover (excludes Overseas Visitors Health Cover) that includes physiotherapy, exercise physiology or health management programs.

*** Available with HCF-contracted providers, subject to your location and your hospital cover. Waiting periods apply. You must have a suitable home environment to be treated in. For more information, visit hcf.com.au/home-treatment

^^^ Source Arthritis Australia.