What Is a Mental Health Care Plan?
A Mental Health Care Plan (MHCP) is a structured treatment plan developed between you and your GP to support your mental health needs. It helps Australians manage conditions such as depression, anxiety, PTSD, and stress through access to subsidised mental health services under Medicare. With a care plan, you can receive referrals to mental health professionals like psychologists, and claim Medicare rebates for your sessions.
How a Mental Health Care Plan Works
Your GP works closely with you and relevant specialists to tailor a care plan to your needs. This plan sets out treatment goals, outlines support strategies, and includes referrals to allied health services.
Who Can Get a Mental Health Care Plan?
Any Australian with a diagnosable mental health condition is eligible for a Medicare Mental Health Plan. You don’t need a severe condition—mild to moderate symptoms also qualify. It’s an accessible first step for anyone struggling mentally or emotionally.
Diagnosable Conditions That Qualify
Eligible conditions include:
- Depression
- Anxiety disorders
- Post-traumatic stress disorder (PTSD)
- Bipolar disorder
- Eating disorders
Recognising the signs of these conditions is the first step towards utilising a mental health care plan. Enrol in CPRFA’s Mental Health Level 1 and Mental Health Level 2 courses to better recognise and respond to these conditions.
Special Considerations for Employees and Young Adults
Mental health challenges often emerge in the workplace. Young adults entering new careers or experiencing high stress are strongly encouraged to seek early support through a GP mental health plan.
How to Get a Mental Health Care Plan Through Medicare
Getting a plan is straightforward. Here’s a step-by-step guide:
- Book a longer appointment with your GP
- Discuss your symptoms and history
- Undergo an assessment
- Work with your GP to create the plan
- Receive referrals to a psychologist or mental health provider
What Happens During the GP Appointment
Your doctor will conduct a mental health assessment, ask about symptoms, history, and lifestyle, then help you set achievable treatment goals.
Choosing the Right Mental Health Professional
Depending on your needs, your GP may refer you to a psychologist, psychiatrist, counsellor, or another allied health provider.
Costs and Medicare Rebates Explained
With a Mental Health Care Plan, Medicare subsidises up to 10 therapy sessions per calendar year. Some professionals offer bulk billing, while others may charge a gap fee.
How Many Sessions Are Covered Annually
Medicare currently covers 10 individual psychology sessions per year, following a GP referral and review process.
Bulk Billing vs Out-of-Pocket Costs
Bulk billing means you pay nothing. However, some providers charge a fee above the Medicare rebate—this is your out-of-pocket cost.
Updating or Reviewing Your Mental Health Care Plan
Mental Health Care Plans can be reviewed every 3 months or sooner if needed. Reviews help you and your GP track progress and update strategies.
When to Ask for a Review
Request a review if your symptoms worsen, you’re not seeing improvement, or your circumstances have significantly changed.
Benefits of Having a Mental Health Care Plan
An MHCP gives you:
- Structured, goal-based care
- Affordable access to professionals
- Clear treatment direction
- Proactive support for mental wellbeing
Empowering Your Mental Health Journey
Having a care plan encourages you to take control of your mental health, access professional help early, and build resilience for the future.
Common Myths About Mental Health Care Plans
There are many misconceptions. Here are some truths:
- It’s not just for severe illness
- It’s confidential
- It won’t negatively impact your job
- It’s a responsible and proactive choice
Myth: Only Severe Cases Qualify
Even mild anxiety or low mood qualifies. You don’t need a diagnosis of a severe condition to access help.
Other Mental Health Services Available Through Medicare
Beyond the care plan, Medicare offers:
- Psychiatric consultations
- Allied health support
- Telehealth options for eligible individuals
Telehealth and Online Options
Telehealth allows you to have sessions via video or phone, ideal for remote areas or those with limited mobility.
Tips for Making the Most Out of Your Mental Health Care Plan
- Set clear therapy goals
- Track session outcomes
- Be honest and open
- Book regular reviews
- Stay consistent with appointments
Setting Mental Health Goals
Think about what success looks like for you: reduced anxiety, better sleep, improved focus, or healthier relationships.
Frequently Asked Questions (FAQs)
What is a Mental Health Care Plan?
A structured plan from your GP that allows access to subsidised mental health services through Medicare.
How do I get a Mental Health Care Plan through Medicare?
Book a long appointment with your GP, discuss your concerns, and if eligible, they’ll create the plan with you.
How many psychology sessions does Medicare cover?
Up to 10 subsidised sessions per year.
Do I need a referral to see a psychologist?
Yes, to access Medicare rebates, you need a GP referral as part of the plan.
How much does a Mental Health Care Plan cost?
The plan is free if your GP bulk bills. Session costs depend on the provider’s billing.
Can I get a Mental Health Care Plan for stress or work-related issues?
Absolutely. Work-related stress is a valid reason to seek help.
How often can a Mental Health Care Plan be reviewed?
Every 3 months or when your situation changes.
Will my employer know if I have a Mental Health Care Plan?
No. It’s completely confidential.
Is bulk billing available for mental health services?
Yes, many providers bulk bill, though not all.
What happens if I need more than 10 sessions?
You can discuss options with your GP. Extra sessions may be accessed under specific circumstances or privately.