A mental health plan is one of the most accessible and affordable ways Australians can receive support for their mental wellbeing. If you’re feeling overwhelmed, anxious, or down—and especially if you’re navigating mental health care for the first time—this guide will walk you through how to access a mental health care plan, how it works with Medicare, and what to expect.
What Is a Mental Health Plan
Definition and Overview
A mental health care plan is a document developed between you and your general practitioner (GP) to help manage your mental health condition. It outlines your treatment goals, referral pathways, and support structure—enabling access to subsidised sessions with mental health professionals.
Key Features of a Mental Health Plan
Your GP may include the following in your plan:
- A clear summary of your mental health concerns
- Goals for treatment and recovery
- Referrals to mental health professionals (e.g., psychologists, social workers)
- A plan for reviewing your progress
- Medicare item numbers to access subsidised care
Who Is Eligible for a Mental Health Plan?
You don’t need to wait until a crisis hits to access help.
Conditions Typically Covered
You may be eligible for a mental health plan if you are experiencing:
- Anxiety
- Depression
- Post-Traumatic Stress Disorder (PTSD)
- Panic attacks or phobias
- Stress-related conditions
- Bipolar disorder or other mood disorders
If you’d like to learn more about these conditions and how to respond to them, consider enrolling in CPRFA’s Mental Health Level 1 and Mental Health Level 2 courses.
Seeking Help Early
Even without a formal diagnosis, your GP can assess your mental wellbeing and determine whether a plan is appropriate. Early intervention is encouraged, and many Australians receive support before their symptoms escalate.
How to Get a Mental Health Plan
The process of accessing a plan is simple and supportive.
Booking a GP Appointment
Start by scheduling a longer consultation with your GP—this allows enough time to talk openly. You don’t need to prepare anything specific, but it helps to:
- Write down your symptoms
- Reflect on how long you’ve felt this way
- Consider how it’s affecting your work, relationships, or daily life
What Happens During the Appointment
During the session, your GP will:
- Ask questions about your mental health and history
- Assess your needs and symptoms
- Create a tailored plan with referrals
- Provide Medicare information for subsidised sessions
You’ll receive a copy of the plan and a referral letter to give to your chosen mental health professional.
Medicare and Mental Health Plans
How Many Sessions Are Covered
Medicare typically covers up to 10 individual sessions with a mental health professional per calendar year. Initially, you’ll be referred for six sessions, with a review required to access the remaining four.
Using Your Plan with a Psychologist
Once referred, you can:
- Book an appointment with a qualified psychologist or social worker
- Provide your GP referral letter and Medicare card
- Pay a reduced rate (gap payments may apply depending on the provider)
- Track your sessions—your provider will notify you when you approach the limit
What to Expect from a Mental Health Plan
Follow-Up Appointments and Plan Reviews
You’ll need to return to your GP after your initial sessions for a review. Your doctor may:
- Check on your progress
- Adjust the plan if needed
- Extend or change referrals
- Help you explore other treatments if necessary
Combining Medication and Therapy
Your plan can also include medications such as antidepressants or anti-anxiety medications, depending on your GP’s recommendations. This combination often leads to better outcomes than either method alone.
Workplace Mental Health and Your Plan
Telling Your Employer (Optional)
Disclosing your mental health plan to your employer is optional. You are protected under Australian privacy laws and are not required to share this information. However, if you do, employers may offer flexible work arrangements or support services.
Workplace Support Services
Employers may provide access to:
- Employee Assistance Programs (EAPs)
- Mental health leave options
- Training and education around workplace mental wellbeing
- Flexible working arrangements
Additional Mental Health Support in Australia
You’re never alone—many services exist beyond GP care plans.
National and State Helplines
- Lifeline: 13 11 14 (24/7 crisis support)
- Beyond Blue: 1300 22 4636
- Suicide Call Back Service: 1300 659 467
- State health lines for localised support
Online and Community-Based Programs
- Head to Health – www.headtohealth.gov.au
- MindSpot – Online mental health assessments and treatment courses
- Local peer support groups, counselling services, and mental health workshops
FAQ
What is a mental health plan and how does it work in Australia?
A mental health plan is a structured care document created by your GP that allows you to access subsidised mental health support through Medicare.
Who qualifies for a mental health plan through Medicare?
Any Australian experiencing mental health concerns such as anxiety, depression, or stress may qualify—even without a formal diagnosis.
How do I talk to my doctor about mental health?
Be open and honest. Let them know how you’re feeling, for how long, and how it’s affecting your life. No preparation is necessary.
How many free psychologist sessions can I get per year?
Medicare subsidises up to 10 individual sessions with an eligible mental health professional annually.
Can I get a mental health plan without a formal diagnosis?
Yes. You do not need a formal diagnosis. Your GP can assess whether you would benefit from a plan based on your current mental state.
Does a mental health plan affect my job or privacy?
No. Your mental health plan is private. You are not required to share it with your employer.
Can I see any psychologist under a mental health care plan?
You must see a registered provider who accepts Medicare referrals. Check with the practice before booking.
How long is a mental health plan valid?
It’s valid for 12 months, with reviews recommended throughout the year to update your treatment approach.
Do I need a new plan every year?
Yes. You’ll typically need a new plan annually, especially if you need further sessions in the new calendar year.
What if I need more sessions than the plan covers?
You may discuss alternative options with your GP, such as private sessions, EAPs, or low-cost community counselling.
Final Thoughts
Accessing a mental health care plan in Australia is a simple yet powerful step toward managing your wellbeing. Whether you’re just entering the workforce, going through a tough time, or supporting a loved one—knowing your options is the first move toward better mental health.