What are the benefits of a Mental Health Care Plan?
If you’ve been feeling overwhelmed, stuck, or not quite yourself, you’re definitely not alone. Life has a way of piling things on, and sometimes having the right support can make a real difference. One option many people don’t realise they have access to is a Mental Health Care Plan.
A Mental Health Care Plan is organised through your GP and is designed to help you access psychological support sooner and more affordably.
What is a Mental Health Care Plan?
A Mental Health Care Plan is a structured plan created by your GP after a conversation about your mental health and wellbeing. If you’re eligible, it allows you to access rebated psychology sessions through Medicare.
This support is specifically for people seeking psychology services (not all allied health services), and it can significantly reduce the cost of accessing care.
How many sessions can I receive?
If you’re eligible, a Mental Health Care Plan can provide access to up to 10 rebated psychology sessions per calendar year.
Here’s how it works:
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You’re initially referred for 6 sessions
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After completing those sessions, you’ll need to return to your GP for a review
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If appropriate, your GP can then refer you for the remaining 4 sessions
It’s important to note that while Medicare provides a rebate, there is still a gap fee for each session.
When do sessions reset?
The Medicare allowance of up to 10 rebated sessions resets on 1 January each year.
Even if the new year rolls around, you’ll still need:
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A GP review
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A new referral
once you’ve finished each block of sessions.
Why consider a Mental Health Care Plan?
A Mental Health Care Plan can:
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Make psychology services more financially accessible
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Provide structured, ongoing support
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Help you build coping strategies, resilience and insight
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Encourage early support rather than waiting until things feel unmanageable
It’s a practical first step if you’re thinking about seeking help but aren’t sure where to start.
We’re here to help
If you have questions about Mental Health Care Plans, referrals, gap fees, or how the process works, you don’t have to navigate it alone.
Our amazing admin and reception team are always happy to help — whether that’s answering questions, explaining next steps, or helping you feel more confident about getting started.
If you’re considering a Mental Health Care Plan, chat with your GP or reach out to us. Support is available, and taking that first step can make a big difference.
