Claiming mental health treatment with ACA Health Insurance

ACA Health Benefits Fund is a restricted, not-for-profit private health insurer that provides cover exclusively to employees of the Seventh-day Adventist Church and its associated organisations, along with their eligible family members.

As outlined on its official website, ACA Health is focused on delivering simple, value-driven health insurance tailored to its member community. Being not-for-profit means any surplus is reinvested into member benefits and services rather than paid to shareholders.

In addition to hospital cover, ACA Health offers Extras cover that helps members manage the cost of everyday healthcare services. Depending on your policy, this can include support for mental health care, such as psychology and counselling.

Table of contents

• Does ACA Health Insurance cover online psychology?

• Which ACA Health Extras policies include mental health treatment?

• How to claim psychology sessions with ACA Health Insurance?

• When should you lodge your claim?

• Can you claim the same session through both ACA Health and Medicare?

• How to find an ACA Health-recognised psychologist?

• Making ACA psychology claims simpler with Talked

Does ACA Health Fund Insurance cover online psychology?

ACA Health may cover online psychology sessions or telehealth, provided your chosen service provider meets eligibility requirements.

While ACA Health does not distinguish heavily between in-person and online formats, services generally need to:

• Be delivered by an appropriately qualified provider

• Fall within an included Extras category

• Meet the fund’s claiming requirements

Because cover varies between products, members should check their policy details or contact ACA Health to confirm whether telehealth services are included.

Which ACA Health Extras policies include mental health treatment?

ACA Health may cover psychology sessions under their Complete Ancillary and Mid Ancillary. Specific benefits and limits may change, so it’s best to check ACA Health’s website or app before trying to make any claims.

In contrast, Ancillary Lite is a more basic Extras option. It offers more limited benefits and may not include the same level of cover for allied health services like psychology. 

For any ACA Health Extras policy, the following conditions apply:

• The service must be included under your level of cover

• The provider must be appropriately qualified and recognised

• The treatment must fall within ACA Health’s approved categories

Benefits are also subject to annual limits and fund rules, so the amount you can claim will depend on your remaining entitlements and policy details. It's important to review your policy or contact ACA Health to confirm exactly what mental health services you can claim before starting treatment.

How to claim psychology sessions with ACA Health Insurance?

When you book a psychology session through Talked, you will be charged 48 hours before your appointment. After the session, Talked will provide you with a detailed invoice that includes all the information that ACA Health Insurance typically requires, including:

• The patient’s name and full address

• The psychologist’s name and provider number

• Date and item number of the service

• Type and description of the provided service

• Amount paid

With your invoice ready, you can then submit your claim through any of the following methods:

1. Claim via the ACA mobile app

• Download the ACA Health Mobile Claiming App

• Click on "Submit Claims"

• Upload and submit the necessary document

2. Submit a claim via email

• Download and fill out ACA's claim form

• Scan other necessary requirement

• Submit your email to claims@acahealth.com.au

When should you lodge your claim?

It’s best to submit your claim as soon as possible after your session. This helps ensure your claim falls within the relevant benefit period and reduce delays in receiving your rebate.

Note that waiting periods may apply for Extras services, including psychology and counselling, particularly when you first take out or upgrade your policy.

Can you claim the same session through both ACA Health and Medicare?

No. You cannot claim the same psychology session through both ACA Health and Medicare. However, you can use both options for separation sessions by:

• Accessing Medicare rebates for up to 10 sessions through a Mental Health Treatment Plan (MHTP) from your GP

• Once those sessions are used, claim additional sessions through your ACA Health Extras cover

This approach can help you manage costs across the year.

How to find an ACA Health-recognised psychologist?

ACA Health allows members to choose their own providers, provided they meet eligibility criteria. Look for:

• AHPRA-registered psychologists

• Accredited counsellors or mental health social workers

• Providers who can issue detailed invoices or offer HICAPS

If you’re unsure whether a provider is eligible, ACA Health recommends contacting their team for confirmation before booking.

If you’re unsure, ask the provider before booking whether they’re recognised by private health funds. Alternatively, you can use Talked to browse psychologists recognised by ACA Health and then proceed with booking either a short introductory session or a full, 50-minute session.

Making ACA Health psychology claims simpler with Talked

Accessing mental health support can feel more manageable when the process is clear. With Talked, you can connect with qualified, registered mental health professionals and receive a detailed invoice suitable for ACA Health claims.

This can make it easier to submit claims through the ACA Health app or member portal without needing to follow up on missing information.

Not with ACA Health? Don't worry, we have your back. After you see your therapist, claim your mental health rebate from Bupa, ahm, Phoenix Health, Medibank, Police Health, CUA Health, Doctors Health, nib, HBF, HCF, CBHS Health, Australian Unity, GMHBA, Westfund, Peoplecare, GU Health, Union Health, Teachers Health, UniHealth, Nurses & Midwives Health, Frank Health, and many more private health insurers.