Frequently Asked Questions
| No Gap Dental |
Is orthodontic treatment included?
No, orthodontics are excluded.
Does 'No gap dental' for kids include wisdom teeth extraction in hospital?
No, only procedures done at a Members First dentist are fully covered. As circumstances can vary with our Members First dentists please contact us for further information.
We are with another health fund and would like to switch will we be eligible for 'No gap dental' for our kids as soon as we join?
If you switch to HBA from a health fund where you and your children were on an equivalent level of extras cover to one of the eligible HBA covers and have served all the applicable Waiting Periods, you will be able to access 'No gap dental' for your kids from 1 October 2006.
However, if you switch to HBA from a health fund where you and your children are not on an equivalent level of extras cover you will only be able to take advantage of 'No gap dental' for your kids once you join HBA on an eligible level of cover and have served any applicable Waiting Periods.
If you have any queries or would like to switch to HBA, please contact us.
However, if you switch to HBA from a health fund where you and your children are not on an equivalent level of extras cover you will only be able to take advantage of 'No gap dental' for your kids once you join HBA on an eligible level of cover and have served any applicable Waiting Periods.
If you have any queries or would like to switch to HBA, please contact us.
What are the applicable Waiting Periods?
If you are not already on an eligible level of cover with HBA and upgrade, or are not on an equivalent level of cover to the eligible HBA covers with another health fund before you switch to HBA, then the Waiting Periods for 'No gap dental' for kids are:
- 2 months for General Dental
- 12 months for Major Dental, root fillings, complex fillings, dental sleep apnoea devices and pre-existing ailments
Can we take our kids to any dentist and get 'No gap dental' for them?
No, your kids will need to receive treatment at a Members First dentist to enjoy the benefits of 'No gap dental'. Find a Members First dentist.
Which covers are eligible for 'No gap dental' for kids?
To enjoy the benefits of 'No gap dental' for your kids, you and your children need to be covered by a Family or Family Plus hospital cover plus one of the following extras covers: Platinum Extras, Gold Extras, Silver Extras, General Extras, Premier Extras, Ultimate Health Cover Extras, Executive Extras, Corporate Extras, Corporate 80 Extras or Corporate 60 Extras.
We are already members are we automatically eligible for 'No gap dental' for our kids?
Providing you have one of the eligible combinations of HBA hospital and extras cover and have served all applicable Waiting Periods, you will be able to take advantage of 'No gap dental' for your children from 1 October 2006.
If you do not have one of the eligible combinations of HBA hospital and extras cover you can upgrade and will be able to take advantage of 'No gap dental' for your children once you have served any applicable Waiting Periods. Until all applicable Waiting Periods have been served on your new level of cover your dental benefits will be payable under your previous level of cover.
If you have any queries or would like to upgrade please contact us.
If you do not have one of the eligible combinations of HBA hospital and extras cover you can upgrade and will be able to take advantage of 'No gap dental' for your children once you have served any applicable Waiting Periods. Until all applicable Waiting Periods have been served on your new level of cover your dental benefits will be payable under your previous level of cover.
If you have any queries or would like to upgrade please contact us.
Up to what age can our kids receive 'No gap dental' on one of the eligible levels of cover?
On HBA Family memberships, any single children under 17 and single full-time students under 25 are covered.
On HBA Family Plus memberships, all single children are covered up to the age of 25, even if they are no longer students and living away from home.
On HBA Family Plus memberships, all single children are covered up to the age of 25, even if they are no longer students and living away from home.
