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Claim Mental Health Treatment with HCF

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Written by Talked Team

10 Aug, 2023

If you're insured with HCF, you might wonder "how do I claim mental health services from HCF". At Talked, we aim to connect you with the ideal HCF therapists to ensure you fully utilize your HCF benefits. Submitting claims for mental health services with HCF is straightforward.

In this article, we guide you on how to claim counselling or therapy rebates. Our goal is to ensure you make the most of your HCF cover and secure your mental health claims promptly.

Who should I see?

The mental health field boasts a variety of professionals. Knowing who is the right one to choose let alone who is covered by HCF is confusing. If you're uncertain about the differences among these therapist types, our blog post on the topic may help.

In choosing a therapist, it's necessary to select one recognized by HCF. HCF recognizes psychologists, social workers, and counsellors, all of whom specialise in different areas. To simplify the process, we've curated a list of available HCF-approved therapists for you to consider.

Does HCF cover mental health?

To process a claim for your therapy session under HCF, the therapist must be HCF-approved and align with HCF's stringent criteria. HCF emphasizes that its extras cover for mental health sessions can only be claimed when seeing an AHPRA regulated psychologist, a HCF approved social worker or a HCF-recognized counsellor.

If the therapist isn't recognised by HCF, you won't be eligible for a reimbursement, regardless of your level of coverage. We've streamlined the process for you to connect with HCF-approved counsellors, social workers and pscyhologists. Booking a session with them ensures you can claim the session's cost.

Beyond selecting an accredited therapist, it's vital to verify that your HCF policy encompasses mental health services. HCF's cover contributes towards the expenses of psychology and counselling. Utilize the provided link to sign in to your HCF account and confirm your level of cover. Please note that if you have just obtained HCF mental health coverage, you may be subject to wait times.

Check my HCF cover

Does HCF cover online therapy?

Telehealth or online therapy offers a convenient avenue for many people who are seeking mental health support. HCF understands that for many of its members, digital therapy is a valuable resource, especially for those previously unable to access such services.

It's essential to determine which mental health services are included in your extras coverage. This information can be accessed within your HCF account.

Can I claim a psychologist fee on HCF and Medicare?

You cannot claim the full cost from both Medicare and HCF; no HCF policy permits double claims. HCF has explicitly stated that you must not be eligible for Medicare benefits for the psychology treatment to be able to claim HCF cover. If you consult a psychologist, you must decide whether to primarily claim through Medicare or HCF.

If you qualify for Medicare, your psychologist might still impose a gap fee. After maximizing your Medicare rebates, you can then utilize your HCF private health insurance for subsequent sessions, depending on your coverage level.

Should you prefer to use the Medicare rebate for a psychologist visit, it's essential to discuss this with your GP and secure a referral. While the process might seem intricate, we've simplified it in our guide to scheduling your Medicare consultation.

Where can I find HCF approved therapists?

We've streamlined the process for you to locate and engage with an HCF-approved therapist online. Browse through our list of HCF psychologists, schedule a session, and start your session in under 24 hours. HCF therapists on Talked provide video therapy, face-to-face sessions, or text consultations.

Conclusion

We hope that you maximize your HCF benefits and claim your mental health benefits today. Mental health is important and together with HCF, we are here to help you.

Not with HCF? All good, we can help. After you see your therapist, you can claim your mental health rebate from Bupa, Medibank, ahm, Police Health, CUA Health, Doctors Health, nib, HBF, Australian Unity, CBHS Health, GMHBA and many more private health insurers.

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