No-gap services

Visit an HCF Dental Centre or a More for Teeth provider to get 100% back on a range of the most common diagnostic and preventive services, including:

• one or two check-ups per calendar year
• scale and clean
• fluoride treatment
• two mouthguards.

Please be mindful that limits do apply. You can find out more about your limits in our My Membership app or log in to online member services.

Through our HCF Eyecare Centres, Specsavers or Dresden you could get 100% back on:

• a range of prescription glasses (excluding add-ons like high index material, coatings and tinting)
• digital retinal imaging with your eye test.
  

You could get 100% back, or a significant discount, on high quality hearing aids from Blamey Saunders hears (depending on your level of cover and entitlements).

To check your eligibility:

1. log in to the Blamey Saunders portal using your HCF member details
2. check your HCF hearing aid benefit and the Blamey Saunders hears price
3. choose your hearing aid and the system will calculate your HCF benefit and out-of-pocket cost
4. claim using the online shopping cart so you only pay your out-of-pocket costs.

To find out more go to Blamey Saunders hears or call 1300 443 279.

Worried about pain in your muscles or your joints? Or having problems with movement? A physiotherapist is an expert in the human body structure, and can help work out what’s going on. 

Physiotherapists work across many areas from sporting injuries and developmental delays in children to Parkinson's disease and pelvic floor issues. During your appointment, your physio might massage sore areas, stretch out your muscles and give you exercises to do at home. 

With our More for Muscles program you could get 100% back on an initial consultation with a participating physiotherapist (one per calendar year). Find a participating provider now. 

Got a niggle in your back? If you do, you’re not alone. Around four million Australians are currently experiencing some kind of back pain. Getting on top of back problems now could save you a lot of trouble (and money) further down the track.

If you're eligible for our More for Backs program, you could get 100% back on an initial consultation with a participating chiropractor or osteopath (one per calendar year). Find a participating provider now. 

Your feet can play a huge part in your overall health and wellbeing, so it makes sense to take good care of them. 

Podiatrists are experts in foot care including ankles and the lower limb - the area between your knee and your ankle.

If you have a health condition such as foot or ankle pain, an ingrown toenail, balance issues or diabetes, a podiatrist can advise and help you. 

If you're eligible for our More for Feet program, you could get 100% back on an initial consultation with a participating podiatrist (one per calendar year). Find a participating provider now. 

Our More for You programs allow to you claim on the spot. You can also claim through our My Membership app, online member services or at a branch.

For more detailed information on claiming, log in to online member services and go to Claims.