Counselling and Mental Health Plans

When parents contact me, one of the first questions is:

“Can we claim this through a Mental Health Care Plan?”

The short answer is No. Counselling is not covered by Medicare.

Here’s why and what that means financially.

Why Counselling Isn’t Covered by a Mental Health Care Plan

In Australia, Medicare rebates under a Mental Health Care Plan are only available for sessions with:

• Psychologists

• Clinical psychologists

• Psychiatrists

• Some accredited social workers and occupational therapists

Counsellors are not included in this funding model, even if they are highly qualified and experienced.

This is a government funding decision — not a reflection of the quality or effectiveness of counselling.

What Do Psychologists Charge in Melbourne?

In private practice across Melbourne, typical fees are:

• Registered psychologist: $200–$260 per 50-minute session

• Clinical psychologist: $250–$290+ per session

With a Mental Health Care Plan from your GP, Medicare currently rebates approximately:

• Around $96–$100 per session (registered psychologist)

• Around $140–$145 per session (clinical psychologist)

Families can access up to 10 rebated sessions per calendar year, with a GP review after the first 6 sessions.

What does that mean out-of-pocket?

After the rebate, many families still pay:

• $90–$160 per session

depending on the psychologist’s fee.

Bulk billing in private clinics is now uncommon.

My Fee

My fee is: $130 for a 50-minute counselling session.

While counselling is not eligible for a rebate, many parents find the out-of-pocket cost comparable to and sometimes lower than psychology sessions after Medicare rebates are applied.

There is also no requirement for a GP referral or Mental Health Care Plan to access counselling.

Which Option Is Right for Your Child?

Psychology may be appropriate if:

• A formal diagnosis is required

• A mental health care plan is needed for school or medical documentation

• There are complex or high-risk clinical concerns

Counselling may be appropriate if:

• Your child needs practical, relational and emotional support

• You want timely access without GP referrals

• You are looking for consistent, affordable sessions

If you’re unsure, I’m happy to have a brief phone conversation to help you decide what would best support your child.