Private Health Insurance for Psychology Sessions

Private Health Insurance for Psychology Sessions

Unlock rebates for your psychology sessions through your private health insurance provider

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Online psychology sessions you can claim back

Did you know you can access rebates for your psychology sessions through many private health insurances? Discover how you can get a private health rebate for your mental health support.

How to get health insurance rebates for psychology

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Many private health funds including Bupa and Medibank Private offer psychology rebates in their policy extras. Contact your private health insurance provider or check your policy details to find out whether you’re covered for mental health services. 

Once you’ve confirmed that your health insurance policy covers psychology sessions, you’re ready to book your first session and get your mental health journey back on track. 

Who can I claim psychology rebates with?

Unlock private health insurance rebates for My Mirror psychology services

My Mirror psychologists are AHPRA and Medicare registered, which meets the requirements for most private insurance providers.

Providers that accept My Mirror psychology sessions claims include:  

  • Bupa 
  • Medibank Private 
  • ACA Health 
  • AHM Health 
  • Australian Unity 
  • CBHS Health 
  • CUA Health 
  • Doctors Health Fund 
  • GMHBA 
  • HBF 
  • HIF 
  • nib 
  • Police Health 
  • National Disability Insurance Scheme 

What do I need to make a claim with my private insurance company?

Man on laptop claiming private health insurance rebate for psychology sessions

In most cases, you can make your claim directly through your private health insurance provider’s online portal or app. You’ll need your paid session invoice which My Mirror will email to you after each psychology session.

Private health insurance companies provide rebates for My Mirror psychology sessions as long as mental health services are included in your plan’s cover. Always check your plan to ensure you’re eligible for a rebate. 

Can I claim rebates through both Medicare and private health insurance for psychology sessions?

No, you can only claim rebates for a psychology session one time, either through your private health insurance provider or through Medicare. If you’ve already made a Medicare claim for your session, your private health insurer won’t give you any additional rebates. 

Can I still receive a rebate for my psychology session if I don’t have private health insurance?

If you don’t have private health insurance or if your insurance plan doesn’t include psychology services, you may still be able to receive reduced-cost therapy sessions through Medicare. To be eligible for Medicare rebates, you’ll need a valid Medicare card, a Mental Health Plan and a GP referral letter.  

Learn how to claim Medicare rebates for your psychology sessions   

Why do some people claim psychology rebates through private health insurance over Medicare?

If you aren’t eligible for Medicare rebates (you don’t have a Mental Health Plan, GP referral letter and valid Medicare card), you may choose to access reduced-cost psychology sessions through private health insurance instead.  

If you are eligible for Medicare rebates, you can receive a maximum of 10 rebated psychology sessions per calendar year. If you wish to continue with therapy after you’ve completed your 10 sessions, you may claim these through private health insurance instead. 

Learn more about Medicare rebates 

I’m making a private insurance claim for my session. How will I be charged?

When you make your psychology session booking you’ll pay the full private fee. Once the session has been completed the amount will be charged to your account and My Mirror will email you the paid invoice. Then you’re ready to make your claim directly through your private health insurance provider. 

The amount you will be rebated through private health insurance depends your insurance plan’s level of cover. 

Are My Mirror psychologists approved providers for my private health insurance policy?

Most private health insurers require psychologists to be registered with Medicare Australia and with the AHPRA.  

All clinical psychologists and general psychologists at My Mirror are fully registered with the Psychology Board of Australia (PsyBA) and are listed with the Australian Health Practitioner Regulation Agency (AHPRA). 

Before booking your psychology session, check your private health insurance policy to ensure your psychologist meets their criteria. 

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What clients say about My Mirror

02 February 2022

Brillant service

Absolutely brilliant service. Can not recommend this enough. So easy to use the online platform. A diverse selection of psychologists to talk to depending on your circumstance.

23 March 2022

Great help

I live in a regional area with very little resources available for mental health. My Mirror was a great help and was super quick with any questions including how to add my mental health plan.

29 April 2022

No wait lists

In the current environment where wait lists for psychologists are 12 months plus, this service gives you access to wonderful psychologists with no wait lists.

15 July 2022

Well suited to my needs

I was having trouble getting mental health services in my area, at an affordable price, and that had time slots that were workable for me. I've been connected to a great psychologist, well suited to my needs. Highly recommend.


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