Claiming mental health treatment with Nurses & Midwives Health in 2025

Nurses & Midwives Health was created to support the wellbeing of Australia’s nurses, midwives, and their families. Alongside hospital cover, the fund offers Extras options that can help reduce the cost of mental-health care, including sessions with a registered psychologist.

If you’re considering starting therapy and you hold a Nurses & Midwives Health policy, you may be eligible for a rebate. This guide will walk you through how psychology benefits work, what to check in your policy, and how to claim your rebate after a session through Talked.

Table of contents

• Does Nurses & Midwives Health extras cover online psychology?

• What's covered by Nurses & Midwives Health?

• Which Nurses & Midwives Health policy covers psychology rebates?

• How much is the Nurses & Midwives Health psychology claim?

• How do I use Nurses & Midwives Health extras to claim the cost back of psychology?

• When do I need to make a claim?

• Can I claim a psychologist fee on Nurses & Midwives Health and Medicare?

• Where can I find Nurses & Midwives Health-approved therapists?

• Easily claim Nurses & Midwives Health psychology rebates with Talked

Does Nurses & Midwives Health extras cover online psychology?

Yes, many members can claim for psychology consultations through their Extras cover, and this generally applies to both in-person and telehealth appointments.

The important part is confirming that your own Extras policy lists psychology as an included service. Because Nurses & Midwives Health offers several Extras tiers, the easiest way to check is to log in to your member account and review your cover inclusions.

What's covered by Nurses & Midwives Health?

To receive a rebate, you must see a psychologist who meets the fund’s recognition requirements. In most cases, this means the practitioner must be:

• AHPRA-registered

• Providing a service that falls within the fund’s definition of “psychology”

• Issuing an invoice with all required claiming details

Sessions with counsellors or unregistered therapists usually aren’t claimable under private health Extras, even if the therapy style is similar.

All psychologists on the Talked platform are AHPRA-registered, so they meet standard private-health claiming requirements. You’ll still need to make sure your policy includes psychology before booking if you want to receive a rebate.

➡️ ➡️ Check your Nurses & Midwives Health cover

Which Nurses & Midwives Health policy covers psychology rebates?

Nurses & Midwives Health provides multiple Extras options, and psychology benefits vary in each tier. Depending on the level of cover your household has selected, you may receive:

• a set benefit amount per session, or

• a percentage back, up to your annual limit

Because the fund publishes separate benefit tables for each Extras tier, the simplest approach is to check your policy document, the online member portal, or the Nurses & Midwives Health extras documentation on their website:

• Top extras

• Mid extras

• Basic extras

Look specifically for terms like "therapies," "counselling," "psychology," and "mental health services," and note the indicated yearly limits or sub-limits for these services.

If psychology or counselling services are listed, you’ll be able to claim as long as you see a recognised provider.

How much is the Nurses & Midwives Health psychology claim?

The benefits depend on your Extras tier. Policies vary in:

• annual limits (per person and per family)

• benefit amount per consultation

• whether the first appointment has a different benefit to follow-up sessions

• waiting periods for new or upgraded cover

Nurses & Midwives Health also generally applies a waiting period for psychology under Extras, so if you’ve recently joined or changed your cover, you may need to wait before your benefits become active. Additionally, because benefit levels can change each year, check it's important to check your current policy summary for accurate details on coverage and entitlements.

How do I use Nurses & Midwives Health extras to claim the cost back of psychology?

When you book a psychology session through Talked, you will have to pay for the session 48 hours before your appointment. Once the session has been completed, we will then provide you with an invoice tailored for you to claim your rebate directly from Nurses & Midwives Health.

You can claim your rebate using one of these methods:

1. Claim through the mobile app

Upload a photo or PDF of your invoice directly through the Nurses & Midwives Health app. If your session is booked through the Talked platform, you can easily log in to your account and download the invoice. Your Talked invoice will include the following, which meet standard private-health claiming requirements.:

• Member/patient name

• Psychologist’s name and provider number

• Service description

• Date and duration

• Amount paid

2. Online claiming

Log in to your member account and lodge your claim by uploading the invoice.

3. Email or post

If you prefer, you can submit a completed claim form with your invoice via email or mail:

• by email: submitclaim@nmhealth.com.au

• by post: Nurses & Midwives Health, GPO Box 9812 Sydney NSW 2001

• in person: at the Surry Hills or Parramatta Member Care Centre

If you're seeing a psychologist face-to-face outside the Talked platform, some clinics may also be able to swipe your membership card and process your claim on the spot using HICAPS.

When do I need to make a claim?

According to the Nurses & Midwives Health website, you can claim rebates within 2 years of using a covered service. However, it’s best to send your claim soon after your session, so it’s processed within the correct benefit year and to avoid any surprise issues with expired limits or changes in policy terms.

Can I claim a psychologist fee on both Nurses & Midwives Health and Medicare?

Unfortunately, you cannot use both Nurses & Midwives Health and Medicare for a psychology session at the same time. This generally applies to all other insurance policies.

However, you do have the option to:

• Use Medicare benefits first (up to your yearly limit), then

• Use your private health Extras cover once your Medicare-eligible sessions are finished

If you’re unsure whether you qualify for Medicare rebates, Talked can connect you with a GP who can assess you for a Mental Health Treatment Plan. The process can feel a little complex, so we’ve created an article on Medicare to help guide you.

Where can I find Nurses & Midwives Health approved therapists?

Nurses & Midwives Health has a “Find a specialist" tool you can search health professionals by specialty, location, or even their name.

Or, you can use platforms like Talked that make it easy to find AHPRA-registered psychologists who are also recognised by Nurses & Midwives Health. You can browse profiles, select someone who matches your needs, and book a telehealth appointment - often within 24 hours.

If you want to get to know therapists before committing on ongoing sessions, you can use Talked's free and unlimited 15-minute consultation.

Easily claim Nurses & Midwives Health psychology rebates with Talked

Nurses & Midwives Health offers Extras benefits that can help reduce the cost of psychological care. And with Talked, everything you need to make a claim is provided automatically.

After your session, simply download your invoice and submit it through the claiming option that suits you. It’s a simple, low-stress way to access high-quality mental-health support while making the most of your cover.

Not with Nurses & Midwives Health? Don't worry, we have your back. Talked also lets eligible users claim mental health rebate from Bupa, ahm, Medibank, Police Health, CUA Health, Doctors Health, nib, HBF, HCF, CBHS Health, Australian Unity, GMHBA, Westfund, Peoplecare, GU Health, Teachers Health, and many more private health insurers.