HBF began in Western Australia and is best known there, but HBF cover is not limited to WA. If you have moved to Adelaide and kept your policy, your physiotherapy extras still work — and we claim them on the spot at reception.
That catches a lot of people out, so it is worth stating plainly: you do not need to change funds to be treated here, and you do not need to pay in full and claim back later.
Claiming your HBF rebate at UpPlus
We claim at reception through HICAPS, so your HBF rebate is deducted immediately and you pay only the difference by card. Nothing is posted, nothing is reimbursed weeks later, and you leave with the claim already settled.
- Bring your fund card — the physical card or the one in your fund's app.
- No referral required. Physiotherapy is a direct-access profession in Australia.
- Pay the gap only, by card, on the day.
- Tell us if you are near your annual limit so we can plan treatment around it.
Our fees and item numbers
| Item | Consultation | Fee |
|---|---|---|
| 500 |
Assessment consultation
Your first visit: history, physical assessment, diagnosis and treatment. On your statement: ASSMENT CONSULT
|
$98 |
| 505 |
Subsequent consultation
A standard follow-up visit. On your statement: SUB CONSULT
|
$79 |
| 506 |
Long subsequent consultation (2 areas)
A longer follow-up where more than one area is treated. On your statement: LONG CONS 2A
|
$89 |
Fees may change. Your rebate depends on your cover, so your fund is the one who can quote it.
Questions about referrals, annual limits and waiting periods are answered the same way whichever fund you hold — see the questions common to every fund.
New patients can also use our initial consultation offer — terms are on that page.
How HBF extras handle physiotherapy
HBF is a not-for-profit and its extras cover applies Australia-wide, not only in Western Australia. Physiotherapy sits within extras, with a benefit per consultation and an annual limit that both follow the tier you hold.
The one genuine difference for an HBF member living in Adelaide is that HBF's own preferred provider network is concentrated in WA, so an eastern-states member is usually claiming outside it wherever they go. That does not reduce your entitlement — it simply means the benefit is the standard one for your cover, and it is the same at any Adelaide clinic.
Using HBF cover in Adelaide
HBF is open to members nationally. Your card works at any registered physiotherapist in South Australia and claims process through HICAPS in the normal way. HBF's member portal shows your remaining physiotherapy limit for the calendar year.
Whatever your cover, we treat back and neck pain, shoulder and knee problems, sporting injuries and post-operative rehabilitation at our Seaton clinic — including dry needling, shockwave therapy and hydrotherapy.
