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.
If you have been thinking about seeing a psychologist, you may have heard about a Mental Health Treatment Plan. It is one of the most common ways Australians access psychology sessions with help from Medicare. This guide walks through how it works in plain language.
What is a Mental Health Treatment Plan?
A Mental Health Treatment Plan is a plan prepared by a GP for a person who is experiencing a mental health concern. It sets out your needs, your goals and the support that may help, such as sessions with a psychologist. Having a plan and a referral can allow you to claim a Medicare rebate for eligible psychology sessions under the Better Access initiative.
How do I get one?
Start by booking an appointment with your GP. Many people ask for a longer appointment, because preparing a plan takes more time than a standard visit. When you book, you can simply say you would like to talk about your mental health and a possible treatment plan.
During the appointment your GP will ask about how you have been feeling, what has been happening in your life and what you would like help with. They may use a short questionnaire. Together you will talk about options, and if a psychologist is suitable, your GP can write a referral.
Can I choose my own psychologist?
In most cases you can tell your GP which psychologist you would like to see, and the referral can be addressed to them. If you do not have anyone in mind, your GP may suggest someone. It is worth thinking about what matters to you, such as location, telehealth, areas of practice, availability and fees, before your appointment.
How many sessions are covered?
Medicare provides rebates for a set number of individual psychology sessions each calendar year under a valid plan and referral. The number of sessions and the rules around them have changed over the years, so check the current details on the Services Australia website or ask your GP.
After an initial block of sessions, your psychologist usually sends a report back to your GP, and you may need a review appointment before further sessions are referred. Your GP and psychologist will guide you through this.
Will I still pay something?
Often, yes. A Medicare rebate covers part of the fee, and many psychologists charge more than the rebate amount. The difference is called the gap or out of pocket cost. Some practitioners bulk bill some or all clients, but many do not. Always ask the practice about their fee and any gap before your first session.
What should I bring to my first session?
Bring your referral (or check that your GP has sent it), your Medicare card and any questions you have. It is completely normal to feel nervous. Your psychologist will explain how sessions work, how your information is kept confidential and what to expect.
Next steps
A Mental Health Treatment Plan can make psychology more affordable and gives you a clear starting point. If you are unsure whether it is right for you, your GP is the best first contact.
If you need support right now, call Lifeline on 13 11 14 or Beyond Blue on 1300 22 4636. In an emergency, call 000.