Medicare Rebates for Psychology and Counselling Explained

Struggling with anxiety, stress, or feeling overwhelmed? You're not alone, and the good news is Medicare can help ease the financial burden of getting professional support. In 2026, Aussies with a Mental Health Treatment Plan (MHTP) from their GP can access rebates for up to 10 psychology sessions a year, making mental health care more affordable right here in Australia.

What Are Medicare Rebates for Psychology and Counselling?

Medicare rebates cover part of the cost for sessions with eligible mental health professionals, like registered psychologists, under the Better Access to Mental Health Care initiative. This government program helps Aussies prioritise their mental wellbeing without the full out-of-pocket expense.

These rebates aren't automatic—you'll need a referral from your GP via an MHTP. Once approved, Medicare refunds a set amount per session directly to your bank account or via your provider.

Key Differences: Psychology vs Counselling

While many use "counselling" and "psychology" interchangeably, Medicare rebates apply specifically to sessions with registered psychologists, not general counsellors. Psychologists hold university qualifications and are registered with the Psychology Board of Australia, delivering evidence-based therapies like CBT for conditions such as depression or PTSD.

• Psychology sessions: Rebate-eligible with an MHTP.
• Counselling: Typically not covered unless the counsellor is a psychologist, social worker, or occupational therapist meeting Medicare criteria.

Eligibility Requirements for Medicare Rebates

To claim rebates in 2026, you must meet these straightforward criteria:

• Hold a valid Medicare card and reside in Australia.
• Have a current Mental Health Treatment Plan from your GP, paediatrician, or psychiatrist.
• See a provider eligible under Medicare, such as a clinical or general psychologist.

No means-testing applies, so most Aussies qualify if referred. Plans are valid for 12 months, covering up to 10 individual sessions (often starting with 6, plus 4 more after GP review).

How to Get a Mental Health Treatment Plan (MHTP)

Getting started is simple and often bulk-billed through Medicare. Here's your step-by-step guide:

1. Book a GP appointment: Discuss your symptoms openly—be it low mood, sleep issues, or work stress. Your GP assesses and creates the MHTP.
2. Receive your referral: They'll refer you to a psychologist of your choice and outline treatment goals.
3. Choose in-person or telehealth: Rebates cover both formats, perfect for regional Aussies.
4. Attend sessions: Pay the full fee upfront; claim the rebate online via myGov or at the provider.

Many GPs offer telehealth MHTP consultations, saving you a trip. Remember, renew your plan yearly for ongoing support.

2026 Medicare Rebate Amounts

Rebate rates increased from 1 July 2025, reflecting inflation and demand. Here's what Medicare covers for a standard 50-minute session in 2026:

Provider Type	Medicare Rebate	Typical Session Fee	Out-of-Pocket (Gap)
Clinical Psychologist	$145.25	$260	$114.75
General/Registered Psychologist	$98.95–$98.97	$220	$121.05
Accredited Mental Health Social Worker	$87.24	$140	$52.76

Note: Fees vary by provider and location—Sydney clinics might charge more than rural ones. Always confirm rates upfront.

Maximising Your Rebates: Medicare Safety Net

If your out-of-pocket costs hit the annual threshold (around $500 for general patients in 2026), the Medicare Safety Net kicks in, covering up to 80% of further eligible expenses. Track via myGov to avoid surprises.

Bulk Billing and Private Health Insurance

Is Bulk Billing Available?

Bulk billing—where you pay nothing out-of-pocket—is rare for psychology but possible at some clinics, especially in high-need areas. Check providers on Healthdirect or Talked directories.

Combining with Private Health

You can't double-dip Medicare and private insurance for the same session, but use private extras cover after your 10 Medicare sessions. Contact your fund (e.g., Bupa, Medibank) to confirm psychology rebates.

Practical Tips for Aussies Accessing Rebates

• Shop around: Use platforms like Talked or the APS Find a Psychologist tool for Medicare-eligible providers near you.
• Telehealth flexibility: Ideal for busy parents or remote workers—same rebate applies.
• Track sessions: Medicare counts per calendar year (1 Jan–31 Dec), so plan reviews before year-end.
• Special plans: Eating Disorder Plans or Chronic Disease Management Plans may offer extra sessions.
• Switch providers: Yes, with the same referral—no need for a new MHTP.

For low-income Aussies, explore Centrelink-linked supports or state programs like NSW's headspace centres.

Next Steps: Take Control of Your Mental Health Today

Don't let cost hold you back—chat to your GP this week for an MHTP and start your rebate-eligible sessions. Search for local psychologists via the APS or Services Australia sites, and track claims through myGov. Small steps lead to big changes; you're worth the investment.

Disclaimer: This is general information, not medical advice. Always consult a healthcare professional for personalised guidance. Rates current as of 2026 and subject to change—verify with Medicare.