Mental health is an essential part of overall well-being. In Australia, Medicare plays a key role in helping people access affordable mental health support. If you’re an employee, entering the workforce, or just looking to understand your mental health care options, this guide will walk you through everything you need to know about Medicare-supported mental health treatment plans.
Understanding Mental Health Plans Under Medicare
What is a Mental Health Treatment Plan?
A Mental Health Treatment Plan (MHTP), sometimes referred to as a mental health care plan, is a structured document prepared by your GP to support your mental health needs. It outlines your mental health concerns, the type of treatment recommended, and the goals you’d like to achieve.
The plan enables you to access subsidised sessions with mental health professionals such as:
- Psychologists
- Mental health social workers
- Occupational therapists specialising in mental health
Why Medicare Supports Mental Health Care
Mental health conditions are a leading concern in Australia, with nearly half of all Australians experiencing a mental health issue in their lifetime. Medicare’s mental health subsidies are designed to:
- Reduce the cost of accessing care
- Encourage early intervention
- Support ongoing treatment through affordable services
By offering rebates, Medicare removes financial barriers that might otherwise prevent Australians from seeking essential support.
Who is Eligible for a Mental Health Plan Through Medicare?
Common Conditions Covered
You may be eligible for a Medicare-subsidised mental health plan if you experience conditions such as:
- Depression
- Anxiety
- Post-traumatic stress disorder (PTSD)
- Panic disorder
- Bipolar disorder
- Eating disorders
- Obsessive-compulsive disorder (OCD)
Eligibility is based on a GP’s clinical assessment, not self-diagnosis.
Assessment Process with a GP
Here’s how to get started:
- Book an appointment with your regular GP.
- During the consultation, you’ll complete a mental health questionnaire (such as K10 or DASS).
- Your GP will diagnose or assess your condition.
- If appropriate, the GP will prepare a Mental Health Treatment Plan and provide referrals to suitable professionals.
What Services Are Covered Under a Mental Health Plan?
How Many Sessions Are Subsidised?
As of the most recent government updates:
- Medicare covers up to 10 individual sessions per calendar year.
- These are split into:
- Initial 6 sessions
- Additional 4 sessions (after a GP review)
- Initial 6 sessions
Can You Get More Sessions?
Yes, after your first six sessions, you’ll need to return to your GP for a review. If your GP agrees more treatment is beneficial, they may approve up to four additional sessions.
Keep in mind:
- These session caps are reset each calendar year.
- The plan may be revised if your circumstances change.
How to Create and Use Your Mental Health Plan
Setting Goals with Your GP
Your GP will work with you to:
- Identify concerns
- Define achievable goals (e.g., reducing anxiety, improving sleep, coping with grief)
- Outline steps and suggested treatments
Choosing a Mental Health Professional
You can:
- Request a specific provider (if you already have someone in mind)
- Ask your GP for recommendations
- Use online directories to explore local options
Remember: Your GP’s referral must match the professional you’re seeing to ensure Medicare rebates apply.
Understanding the Costs and Rebates
Bulk Billing vs Out-of-Pocket Expenses
There are two main payment models:
| Billing Type | What It Means | Your Cost |
| Bulk Billing | Medicare pays the full amount directly to the provider | $0 (no out-of-pocket) |
| Out-of-Pocket (Gap) | You pay the provider, then claim a rebate from Medicare | Varies (you pay the difference) |
Always ask in advance whether the provider offers bulk billing.
How to Claim a Medicare Rebate
You can claim in three ways:
- Automatically – if your provider processes it on your behalf
- Online – via the Medicare Express Plus app
- Manually – by visiting a Medicare office
Rebates typically range from $88 to $137 per session, depending on the provider’s qualifications and MBS item number.
Maintaining and Reviewing Your Mental Health Plan
Scheduling a Review with Your GP
A review is usually required:
- After six sessions
- If your mental health status changes
- Every three months, depending on your needs
The GP will assess progress, update your goals, and determine if more support is required.
Common Mistakes to Avoid with Medicare Mental Health Plans
Missing Required GP Visits
If you don’t attend a review after six sessions or start sessions without a valid referral, you may not receive the Medicare rebate.
Assuming All Costs Are Covered
Not all providers bulk bill. Always:
- Check fees beforehand
- Understand that you may still pay a gap
- Request a written quote if unsure
Avoid surprises by confirming coverage in advance.
FAQ: Medicare and Mental Health Plans
What is a Medicare Mental Health Plan?
A Medicare mental health plan is a GP-prepared document allowing you to access subsidised therapy with mental health professionals.
How do I know if I am eligible for a mental health plan?
If you’re experiencing a recognised mental health condition and your GP assesses you as needing support, you’re eligible.
How many free psychologist sessions does Medicare cover?
Medicare subsidises up to 10 sessions per calendar year — initially 6, with 4 more after review.
Can I change my psychologist after starting my plan?
Yes, just ask your GP for a new referral to your preferred provider.
How much rebate do I get per mental health session?
It varies, but most rebates fall between $88 and $137 depending on the service and provider.
What happens if I need more sessions than the plan allows?
You’ll need to return to your GP for a review. If necessary, your GP may issue new referrals or suggest alternatives.
How do I claim a rebate for mental health treatment?
You can claim via your provider, the Medicare app, or in person at a Medicare office.
Does Medicare cover psychiatry under a mental health plan?
Yes. Some psychiatric consultations are also covered under different Medicare item numbers.
Can I request a bulk-billed mental health session?
Yes. It’s up to the provider to offer bulk billing. Always ask before booking.
What should I do if my mental health needs change?
Contact your GP for a plan review. Your goals and referrals can be updated at any time.
Key Points Recap
- Medicare helps Australians manage mental health through subsidised treatment.
- A GP assessment and referral are required to access services.
- Up to 10 therapy sessions are covered annually.
- Rebates apply to psychologists, occupational therapists, and social workers.
- Understand billing and referral rules to avoid out-of-pocket surprises.