Important note: This article provides general information only. Medicare rebates, item numbers, government policies and clinic fee structures can change at any time. This guide is for educational purposes and is not individual medical, psychological, financial or legal advice. Always speak with your GP about your personal healthcare needs, and confirm current fees and rebate amounts directly with Services Australia or your chosen practitioner before your appointment.
Cost is one of the biggest questions people have before booking a psychologist. Fees vary from practice to practice, and there are several ways to reduce what you pay. This guide explains the main options.
Psychologists set their own fees
In Australia, psychologists in private practice set their own fees. Fees can vary depending on location, experience, session length, the type of service and whether the psychologist holds an endorsement such as clinical psychology. Most practices list their fees on their website or will tell you when you call.
Medicare rebates and the gap
With a valid Mental Health Treatment Plan and referral from your GP, you may be able to claim a Medicare rebate for a set number of individual sessions each calendar year. The rebate pays part of the fee.
If the fee is higher than the rebate, you pay the difference. This is called the gap or out of pocket cost. Rebates for clinical psychologists are generally higher than for generally registered psychologists. Check the current rebate amounts with Services Australia.
What about bulk billing?
Bulk billing means the psychologist accepts the Medicare rebate as full payment, so you pay nothing on the day. Some psychologists bulk bill certain clients, such as concession card holders, students or people facing financial hardship. Many do not bulk bill at all. It is always worth asking.
Private health insurance
Some private health insurance extras policies include psychology. Cover depends on your policy, your level of cover and any waiting periods or annual limits.
You generally cannot claim both a Medicare rebate and a private health insurance rebate for the same session. Many people use Medicare first and then use their private cover once Medicare sessions are used, but check with your insurer about what suits you.
Other funding options
Depending on your situation, other options may be available: NDIS: some participants can use plan funding for psychology supports. Workers compensation: if your concern relates to a workplace injury, your claim may cover sessions. Transport accident schemes: some states fund psychology after a road accident. Employee Assistance Programs: many workplaces offer a small number of free, confidential sessions. Low cost options: some universities run training clinics, and community health services may offer reduced fees.
Questions to ask before booking
What is your fee for a standard session? What will my gap be after the Medicare rebate? Do you bulk bill anyone, or offer reduced fees? What is your cancellation policy? Do you offer telehealth, and is the fee the same?
Knowing the costs upfront helps you plan and avoids surprises.
If you need support right now, call Lifeline on 13 11 14 or Beyond Blue on 1300 22 4636. In an emergency, call 000.