Australians seeking mental health support can access up to 10 Medicare-subsidized psychology sessions each year under a Mental Health Treatment Plan (MHTP). This initiative helps reduce financial barriers and encourages early intervention and structured care. In this guide, we’ll explore how to get started, who’s eligible, what costs are involved, and what alternative support options exist for those needing help.
Understanding the Mental Health Treatment Plan (MHTP)
A Mental Health Treatment Plan is a vital tool that enables eligible Australians to access subsidised mental health care through Medicare.
What is a Mental Health Treatment Plan?
An MHTP is a document prepared by a General Practitioner (GP) outlining a structured plan for managing a person’s mental health condition. It typically includes:
- The patient’s mental health diagnosis
- Agreed treatment goals
- A referral to a registered psychologist, social worker, or occupational therapist
Eligibility Criteria for an MHTP
To qualify for a Mental Health Care Plan in Australia, a person must:
- Be diagnosed with a mental health disorder as outlined in the Diagnostic and Statistical Manual of Mental Disorders (DSM-5).
- Conditions may include depression, anxiety disorders, PTSD, bipolar disorder, and more.
- Be an Australian citizen or permanent resident eligible for Medicare.
Tip: You don’t need a confirmed diagnosis to see your GP—an initial consultation can help assess your condition.
Benefits of Having an MHTP
- Access to 10 subsidised psychology sessions per calendar year
- A structured treatment approach with measurable goals
- Improved access to specialists such as clinical psychologists or mental health social workers
Accessing the 10 Medicare-Subsidized Psychology Sessions
Here’s how to begin the process of receiving professional mental health care support through Medicare.
Initial Consultation with a GP
Start by booking a long appointment with your GP to discuss your mental health concerns. During the visit:
- The GP will assess your mental health
- If appropriate, they’ll prepare a Mental Health Treatment Plan
- You’ll receive a referral letter to a psychologist or other specialist
Referral to Mental Health Professionals
The referral will enable you to access Medicare rebates for psychology sessions. You may choose:
- Clinical psychologists
- Registered psychologists
- Occupational therapists or social workers (specialising in mental health)
Your GP may suggest someone or you can search independently for a provider that suits your needs.
Session Allocation and Limits
Under the MHTP:
- 6 initial sessions are approved
- After those, a review with your GP is required
- If needed, you can be approved for 4 more sessions, totalling 10 per calendar year
Costs and Billing Information
Understanding fees is key to making informed choices about your mental health care.
Understanding Medicare Rebates
Medicare provides rebates for sessions under an MHTP:
- The rebate for a session with a registered psychologist is approximately $89.65
- For a clinical psychologist, the rebate is higher, around $131.65
Note: These amounts may change annually.
Bulk Billing and Out-of-Pocket Expenses
Some professionals bulk bill, meaning you pay nothing. Others may charge a gap fee beyond the Medicare rebate. Always check:
- Whether the psychologist bulk bills
- How much the out-of-pocket expense will be per session
Private Health Insurance Considerations
If you have private health insurance with extras cover:
- It may cover sessions not claimed through Medicare
- You cannot claim both Medicare and private health for the same session
Alternative and Additional Mental Health Support Options
If you don’t qualify for an MHTP or need additional help, other options exist.
Online Mental Health Services
Free, evidence-based support is available online:
- MindSpot Clinic: Offers assessments and treatment courses
- This Way Up: Low-cost and free mental health programs
- Beyond Blue: Offers guided self-help and resources
Community and Non-Profit Support Programs
Non-profits and local services often provide:
- Free or low-cost counselling
- Peer support groups
- Crisis support (e.g., Lifeline, Headspace for youth)
Employee Assistance Programs (EAPs)
If you’re employed, your workplace may offer an EAP:
- Short-term counselling (usually 3–6 sessions)
- Confidential and free for employees
- Covers work and personal issues
Frequently Asked Questions (FAQs)
Can I access more than 10 sessions per year?
In general, 10 sessions per year is the cap under Medicare. In exceptional circumstances (e.g. during COVID-19), extra sessions were temporarily available, but this has ceased. Discuss extended options privately or through EAPs.
What happens if I don’t use all my sessions within the year?
Unused sessions do not carry over. You must use them by December 31 of each year, after which your session count resets.
Are telehealth sessions covered under the MHTP?
Yes. Many psychologists now offer telehealth (video or phone) sessions, which are eligible for Medicare rebates. Check with your provider first.
How do I find a bulk-billing psychologist?
Use:
- Healthdirect’s service finder
- Your GP’s referral list
- Direct calls to clinics to ask about bulk billing availability
What if my mental health condition doesn’t qualify for an MHTP?
You still have options:
- Free online tools and counselling
- Community support programs
- Head to Health and Beyond Blue for further assistance
The Role of the Better Access Initiative
The Better Access initiative underpins the MHTP and enables improved access to mental health services. It ensures that Australians can:
- Obtain treatment earlier
- Receive services closer to home
- Manage long-term mental health conditions more affordably
Importance of Early Mental Health Intervention
Acting early can:
- Prevent worsening of symptoms
- Improve quality of life
- Reduce the risk of crisis situations
If you feel something isn’t right mentally or emotionally, seeking help promptly can make a real difference.
Maintaining Wellbeing Between Sessions
In addition to professional help:
- Practice mindfulness and meditation
- Engage in regular physical activity
- Stay connected with family and friends
- Monitor your sleep and nutrition
Final Thoughts
A Mental Health Treatment Plan is a powerful step toward managing your mental health proactively. Whether you need short-term support or long-term care, Medicare’s subsidised sessions and alternative services can help you access affordable and effective mental health care in Australia.
Don’t wait—book a GP appointment and start your journey toward better mental health today.