HCF More for Teeth in Ashburton

What this means for you

Making the most of your HCF cover

More for Teeth covers preventive and diagnostic items: check-up exams, bitewing and panoramic X-rays, scale and clean, fluoride and custom sports mouthguards. Each item has its own limit. Check-up and cleans are limited to two a year, so booking them about six months apart uses your full entitlement. Everyone on a family policy has their own limits, so the whole family can come in on one visit.

Not every service is part of the program. Hygienist-only services aren’t included, and treatment outside the listed items is charged at our usual fees, with HCF paying its normal extras benefit. We’ll tell you before your appointment what’s covered and what isn’t.

The claim happens at reception: swipe your card, the benefit is applied, and you pay only what’s left. If HICAPS is down, we give you an itemised receipt to claim yourself.

HCF More for Teeth — common questions

We are also a Bupa Members First Platinum provider and part of the nib First Choice network.

How to use HCF More for Teeth at our practice

We are an HCF More for Teeth preferred provider. Using your cover with us comes down to a few simple steps.

Before your visit

Log in to your HCF account or call HCF. Confirm your extras include dental. Ask if any waiting period still applies, and how much of this year’s dental limit is left.

On the day

Bring your HCF card. After your appointment, the claim goes through HICAPS at reception. Your receipt shows what HCF paid and what, if anything, you paid.

What “no gap on check-ups” means for HCF members

Eligible members may pay no gap on check-ups. Put simply, HCF’s benefit can cover our full fee for that visit, so there’s nothing to pay at reception.

You’re eligible only when your policy includes the item, any waiting period has ended, and you still have benefits left. HCF decides this, not us. If one of those isn’t met, HCF may pay a smaller benefit or none, and there will be a gap. Read what being a preferred provider can save you.

Treatment beyond the check-up

Treatment such as fillings, crowns, root canal treatment, wisdom teeth removal and braces usually still has a gap. How big depends on your HCF extras level and the limit you have left.

Bigger treatment may also have a longer waiting period or its own limit. Only HCF can confirm this for your policy. For complex cases, your dentist may suggest a referral to a specialist, whose fees and HCF benefits will be different.

Ask for a quote with item numbers

Each dental service has an item number. Ask us for a written quote that lists the item numbers and our fee for each. Then call HCF or check online with those numbers. HCF can tell you the benefit for each item and the gap you’d pay. If treatment runs over several visits, ask HCF whether spreading it across two benefit years would help with your limits.

More questions about HCF More for Teeth

Which HCF policies work with More for Teeth?

That depends on HCF, not us. You need HCF extras cover that includes dental. HCF can tell you whether your policy qualifies and which items it covers. Have your membership number ready when you call them, or check your HCF online account.

Can I use More for Teeth for a dental emergency?

Emergency treatment is claimed through HICAPS like any other dental item, and HCF pays according to your cover. The no-gap benefit is for check-ups, so emergency treatment usually has a gap. If you’re in pain, call (03) 9885 7588. Same-day appointments are often available.

My child is on my HCF policy and may qualify for the CDBS. Which applies?

Tell us when you book. Eligible children aged 0 to 17 can be bulk billed under the Child Dental Benefits Schedule, with no out-of-pocket for eligible children under the CDBS. We can check eligibility and explain how your child’s visit will be billed.

Book with confidence

Bring your fund card to your visit and we’ll process your claim on the spot with HICAPS. Same-day and Saturday appointments available, with free on-site parking.