Medicare Rebates for Mental Health
Access affordable, online support from psychologists, anytime, anywhere with Medicare rebates.
What is Medicare?
Medicare is Australia’s universal health insurance scheme. If you’re an Australian resident with a valid Medicare card, you can access support for mental health through Medicare-funded therapy – often with a significant rebate on your therapy costs.
Booking your Medicare Session at My Mirror
Get your Mental Health Care Plan
Book an appointment with your GP and ask for a mental health referral and a Mental Health Care Plan. You can also book a bulk-billed online GP appointment here with our partner Hola Health.
Book your Therapy Session with My Mirror
Choose your preferred psychologist and time - all online, all flexible. Once booked, upload your Mental Health Care Plan and referral to your account.
Attend your Session and Pay
You will be charged the private fee after your session and provided with an invoice via email required to claim.
Lodge your Claim
Online via myGov - claiming a rebate for your Medicare Mental Health session is quick and easy. Claims are processed by Medicare normally within a few working days.
For more detailed information on how to claim your Medicare rebate see our mental health treatment plan page.
In addition, Medicare also provides specific support for:
Medicare psychologists ready to help you now
What is the Medicare rebate for psychology services in 2025?
The rebate per session varies, but it typically covers a substantial portion of the session fee. From 1st July 2025 Medicare rebate is $98.95 per session with a General Psychologist and $145.25 per session with a Clinical Psychologist.
How many psychology sessions are covered by Medicare per year?
Currently, up to 10 sessions per calendar year with a Mental Health Care Plan. Eating Disorder and some DVA plans offer higher limits (speak with your GP for details on eligibility).
Who qualifies for Medicare rebates for psychology?
Australian residents with a valid Medicare card and a GP-issued Mental Health Care Plan.
Are Reciprocal Health Care Agreement (RHCA) visa holders eligible for Medicare rebates for psychology?
Most RHCA visa holders (e.g., from New Zealand or the UK) cannot generally claim Medicare rebates for psychology sessions. Always check your individual entitlements with Medicare for the latest updates.
Are international students eligible for Medicare rebates for psychology services?
Generally, no. International students in Australia are required to have Overseas Student Health Cover (OSHC), which covers many medical and mental health services but does not provide Medicare rebates. If you need to see a psychologist, your OSHC may cover a portion of the cost—check with your provider for exact entitlements and claiming steps.
Do all mental health concerns qualify for a Medicare Mental Health Care Plan?
No. Eligibility is determined by your GP or mental health professional. You must have a diagnosable mental health condition that’s likely to benefit from evidence-based psychological therapy for a Medicare Mental Health Care Plan to be issued.
Is bulk billing available for Medicare psychology sessions?
Bulk billing may be available if you meet additional criteria, such as holding a concession card or experiencing financial hardship. Check directly with your psychologist or provider to see if you qualify for an appointment with no out-of-pocket cost. My Mirror psychologists allocate a portion of sessions bulk-billed and our team reviews on a case-by-case basis - please see details here.
Are online or telehealth sessions eligible for Medicare rebates?
Yes, both face-to-face and telehealth (online) therapy sessions with a Medicare therapist are eligible.
How do I claim my rebate after my session?
Once you receive your paid invoice from My Mirror, log in to your myGov account, select 'Make a Claim' and follow the prompts. Alternatively, click here for more information on how to claim your Medicare rebate.
Can I switch psychologists and still claim a rebate?
Yes, you can choose a different Medicare therapist as long as your referral is valid and your psychologist is a Medicare provider.
DVA, Eating Disorders, and Chronic Pain—how are these different under Medicare?
DVA: Medicare may provide additional allowances and easier access for eligible Veterans.
Eating Disorders: Eligible patients can access up to 40 sessions/year with the correct plan via Medicare as opposed to 10 sessions for other mental health concerns.
Chronic Pain: Specific Medicare Mental Health Care Plans can be issued for psychological support related to pain management.
Preferred by psychologists, 
by their clients
4.9/5
overall satisfaction
50 000+
online psychology sessions
4.9/5
psychologists match
What clients say about My Mirror
Ease of access
Very easy to use the dashboard and excellent to read the bio's of each Psychologist to determine best fit. Very happy with service and support.
Such a great service
I have been nothing but impressed and grateful for My Mirror and my psychologist. The way that they put me in touch with the right person make me feel grateful and the user interface / booking system is nice and easy. Very satisfied and would recommend to others.
Customer experience
Everyone in the team from my psychologist and the customer support team is so supportive and understanding. They act really quickly and get you what you need whilst being lovely people to deal with! 10/10 recommendation.
Great Selection
Great selection that allows you to find the perfect fit for your needs. I found my perfect match first time . This is a very easy platform to use and working online makes it so comfortable to talk. Definitely give it a try, just make sure you read the profile so get a good fit.
Sources & References: myGov – Claim Your Medicare Benefit: Official platform to lodge Medicare claims online (including psychology sessions with a GP referral) and update your bank details for payments.
Services Australia – Mental Health Care and Medicare: Comprehensive information about Medicare rebates, session limits, Better Access initiative, and eligibility for psychology sessions under a Mental Health Care Plan.
