Reduce the cost of your psychology sessions with a Mental Health Care Plan

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04 Jan 2023
by My Mirror Editorial Team

What is a MHCP (aka MHTP)?  

A Mental Health Care Plan (MHCP) is a mental health support and treatment plan written by a referring practitioner such as a General Practitioner (GP), psychiatrist or paediatrician.

Sometimes called a Mental Health Treatment Plan (MHTP), a MHCP is usually accompanied by a referral and allows Australian residents who hold a valid Medicare card to access crucial treatment for mental health concerns at a more affordable rate.

Mental Health Treatment items such as MHCPs are listed as part of Australia's Medicare Benefits Schedule (MBS), which includes all Medicare services subsidised by the Australian Government.

What are the benefits of getting a MHCP? 

Other than providing your psychologist with a short assessment of your mental health concerns and needs before your first session with them, there is one other significant benefit of having a MHCP. 

If your GP, or other eligible referring practitioner, deems it appropriate to write you a MHCP for your concerns, you will be eligible to access up to 10 Medicare-subsidised psychology sessions per calendar year.

In response to the COVID19 Pandemic, the Australian government increased this number to 20 Medicare-subsidised psychology sessions per calendar year from October 9, 2020. The additional 10 sessions under a Medicare mental health treatment plan were extended to December 2022. Those using telehealth or phone psychology services are eligible for these benefits.

JANUARY 2023 UPDATE: Since the 1st of January 2023, the number of subsidised psychology sessions has been brought back to 10 sessions per calendar year by the Australian Government. If you had a referral letter for the extra 10 sessions given to you in 2022, you still can use the sessions left on your referral letter for 2023. However, only 10 sessions will be subsidised by Medicare in 2023 in total. 

The MBS mental health sessions were doubled during COVID-19 as part of the government's Better Access to Psychiatrists, Psychologists and General Practitioners through the MBS (Better Access) initiative to support Australians during this difficult time.

Are you eligible for a MHCP? 

Mental Health Care Plans are typically available to anyone who feels they would benefit from psychological support for mental health concerns. 

So, if you have concerns about your mental health, and you’ve noticed that you’ve been feeling, thinking or behaving differently (and that this is interrupting your life in an unhelpful or harmful way), speak to your GP about getting a MHCP and a referral to speak to a psychologist.

Please note: Speaking to a psychologist is not only for those with a diagnosed mental health condition, or those with a MHCP. You don’t need a MHCP or a referral to speak to a psychologist. You do, however, require a MHCP and a referral to access the Medicare subsidised rates for psychology services or bulk-billed psychology services.

Learn more about online therapy for mental health

How do you get a MHCP?  

Your GP, or another eligible referring practitioner such as a psychiatrist or paediatrician, will conduct a short standardised assessment of your mental health before they determine whether or not you are eligible for a Mental Health Plan. This will take around 20 minutes. 

If your practitioner determines you have a diagnosable mental health condition, and/or determines you would benefit from a psychologist’s structured approach to treating your mental health concerns, they will likely provide you with a MHCP. 

A MHCP will be accompanied by a referral from your practitioner to speak to a psychologist. Your psychologist will need to view both documents before they can subsidise the cost of your sessions or provide their services bulk-billed (if they offer this).

After you have completed your first 10 subsidised sessions, your psychologist should discuss with you whether or not they think you would benefit from further psychological treatment.

How to get your Mental Health Plan bulk billed?

It's possible to get your Mental Health Plan appointment bulk billed when you request your consultation online. 

Online platforms connect clients with doctors through video conferencing or call back services where they can receive their Mental Health Plan and referral letter. This is a bulk-billed service meaning you won't have any out-of-pocket expenses.

Find out more about online Mental Health Plans

How long does it take to get a Mental Health Plan? 

It usually takes around 20 minutes with your GP for them to assess your mental health concerns and then write up a MHCP. So, don’t book a 15-minute appointment with your GP and mention that you’d like a MHCP at the end of the appointment. 

You should book a longer appointment with your GP for a MHCP for a few reasons: 

  • Legally, your GP needs to complete a 20-minute appointment to approve and write up a MHCP, and
  • Your mental health is important, and it deserves the right amount of time for your GP to assess your mental health properly.

Will Medicare cover the full cost of my psychology sessions? 

Medicare rebates for individuals with a MHCP do not necessarily cover the entire cost of seeing a psychologist. There may be an out-of-pocket cost even after you receive a rebate from Medicare. This is the case for various items listed on the MBS.

However, some psychologists may offer bulk-billed psychology services which would cover the full cost of your psychology session. 

Psychologists will usually either offer bulk-billed sessions to all patients with a Mental Health Care Plan or those with a Mental Health Care Plan and financial hardship. Read more about this below.

What is bulk-billing?

If a health professional bulk bills their service, you are not required to pay any ‘out-of-pocket expenses’.

Australia's Medicare Benefits Schedule (MBS) outlines services that the government is willing to fully or partially pay health professionals for. With bulk billing, your health professional chooses to accept what the government is willing to pay for that service, instead of charging you their own rate.

For example, if your psychologist chooses to accept the bulk billing fee that the government is willing to pay for a standard 50-minute session with a Registered Psychologist, you will not be charged for their health service. Medical professionals claim these fees back through Medicare.

The same goes for GPs, psychiatrists, physiotherapists, pathology and many other practitioners.

Are you eligible for bulk-billed services?  

You may be eligible for bulk-billed medical services if:

  • You have a Medicare card (after enrolling in Medicare), and/or
  • You have a concession or health care card 


  • Your health professional agrees to bulk bill their service 

My Mirror provides a portion of sessions bulk-billed via application here.  

What is a gap payment? 

If your health professional charges a rate above what the government is willing to pay for their service, you will pay the gap payment. My Mirror supports medicare rebates to reduce the gap fee per session, please see details on our pricing page.

Still confused by the details?

Understanding the ins and outs of Medicare rebates and bulk billing is not easy. If you find yourself wanting more information, watch this video by Hot on Health.

My Mirror makes MHCP processing easier

At My Mirror, we have designed our online system such that your GP can easily sign-up to our safe and secure online platform and enter your MHCP and referral details ready for your chosen psychologist to view before your first session. Alternatively, you can upload your MHCP directly to your My Mirror account.

These documents are then easily accessible for your My Mirror psychologist before your first therapy session. If you have a paper referral you can upload this onto our system. In every scenario, we have a solution to help you access convenient online therapy

If you need any assistance please feel free to reach out to our team at and we will help you connect with a GP.

Can I access My Mirror online psychology services for a subsidised rate? 

If you have a Mental Health Care Plan (MHCP) you can access our online psychology sessions for reduced prices. Please see details on our pricing page

If you are suffering from financial hardship you may be eligible for bulk billing with My Mirror and can apply via our quick form. An MHCP is required to access rebated or bulk-billed sessions.

You can still access our My Mirror psychologists privately, without a MHCP. If you have private insurance you may also be able to claim your sessions - contact your provider to understand their coverage.

For more information on pricing please see our pricing page.


If you are feeling suicidal or are in crisis call 000 (AU) or use these resources to get immediate help.