Psychologist vs therapist: What’s the difference?

Seeking mental health support is a personal and often vulnerable decision. Whether you're dealing with stress, relationship difficulties, or deeper emotional challenges, finding the right kind of support can make a meaningful difference.

In the process, it’s common to come across terms like “therapist” and “psychologist” and wonder how they relate or differ. While they’re often used interchangeably, they don’t mean quite the same thing.

This article unpacks the differences between a therapist and a psychologist, explores the roles of various mental health professionals, and helps you understand how to choose the support that’s ideal for your situation.

Is a psychologist a therapist?

Yes. A psychologist is a therapist, but not all therapists are psychologists. That distinction matters because the term “therapist” is a broad label used to describe anyone professionally trained to provide talk-based mental health support. This includes psychologists, but also counsellors, psychotherapists, and social workers.

So when someone considers a therapist vs psychologist, the real and core concern is this: what kind of help they need, and who is qualified to provide it.

What does a psychologist do?

Psychologists are qualified healthcare professionals who support individuals in understanding and managing their thoughts, emotions, and behaviours through talk therapy and behavioural techniques. While they are not medical doctors and cannot prescribe medication, they are highly trained to assess, diagnose, and treat a wide range of mental health conditions.

In Australia, psychologists must be registered with the Psychology Board of Australia and typically hold at least a Master’s or Doctoral degree. Some also pursue further accreditation in areas such as clinical psychology, neuropsychology, or forensic psychology.

People see psychologists for many reasons, including anxiety, depression, trauma, relationship issues, substance abuse, insomnia, grief, and behavioural or learning challenges in children. If you need a diagnosis, structured support, or want to access Medicare rebates through a Mental Health Treatment Plan, a psychologist may be the right fit.

What other types of therapists are there?

Beyond psychologists, you’ll also find several other mental health professionals who offer therapy. Counsellors, psychotherapists, and social workers each bring unique skills and approaches to the table.

• Counsellors typically work with clients on immediate or short-term challenges, helping them clarify issues, explore options, and build resilience. While counsellors are highly skilled, they do not diagnose mental health conditions (unless your counsellor is also a licensed psychologist).

• Psychotherapists specialise in the field of psychotherapy, which is a more long-term approach to therapy. Psychotherapy intensively and extensively examines a person’s psychological history to aid a person through their mental health journey. A psychotherapist goes much deeper to uncover the root causes of problems, resulting in more dramatic changes in perspective about oneself, one’s life experiences, and the world in general.

• Social workers in the mental health space often operate within a community or social justice framework. They may provide therapy, case management, and advocacy for people dealing with complex issues such as family violence, homelessness, or intergenerational trauma. Some social workers, if accredited in mental health, can also offer therapy and are eligible for Medicare rebates.

Where do different therapists overlap?

Although each type of therapist—whether a psychologist, counsellor, psychotherapist, or social worker—has distinct training and areas of focus, their work often overlaps in meaningful ways.

Most therapists support clients through common challenges such as stress, grief, relationship difficulties, parenting concerns, addiction, identity exploration, and major life transitions. While their methods may differ, the underlying goal remains the same: to help individuals navigate emotional struggles and improve their mental wellbeing.

Many therapists are also experienced in a range of specialised areas, including life coaching, career guidance, couples and family counselling, grief and loss support, and therapy for substance use or addiction. Some may work with specific populations, like children through play therapy or individuals going through divorce, using tailored approaches that fit the client’s circumstances.

Regardless of the title, what often matters most is that you find a therapist whose expertise and style align with your personal needs.

Can I claim Medicare rebates from any therapist?

In Australia, Medicare rebates are available for appointments with general and clinical psychologists and accredited mental health social workers, if you have a Mental Health Treatment Plan from your GP. This plan entitles you to up to 10 subsidised sessions per calendar year. You can still see a psychologist without a referral, but you won't be eligible for a rebate.

Counsellors and psychotherapists aren’t covered by Medicare, but they often have lower fees and don’t require a referral, making them accessible for many people seeking flexible, short-term support.

If you have private health insurance with extras cover, you may be able to claim for therapy sessions, depending on your policy and provider. This can be a useful alternative to Medicare rebates.

What if I choose the ‘wrong’ therapist?

It’s easy to worry about picking the wrong professional. But the truth is, there is no one “right” or “wrong” choice. Therapy is not a one-size-fits-all solution. It’s a process of discovery, and part of that process may involve switching therapists or trying different styles of support.

If your first experience with a psychologist or therapist doesn’t feel quite right, it doesn’t mean therapy won’t work for you. It simply means you’re still figuring out what approach or relationship is the best fit. That’s completely normal.

At Talked, we understand the importance of finding the right connection. That’s why we offer free 15-minute intro calls with therapists. It’s a no-pressure way to meet potential matches and see who feels like the right guide for your mental health journey.

Can I see a therapist or psychologist online?

Absolutely. In fact, online therapy has become a convenient and effective way for Australians to access mental health support, especially in regional or remote areas. Whether you’re looking for a psychologist, counsellor, or another type of therapist, Talked offers a user-friendly platform where you can search by specialty, availability, fees, and other criteria.

Remote therapy can be just as effective as in-person sessions, and many people find it more comfortable and easier to fit into their schedule.

Final thoughts

Choosing between a psychologist and another type of therapist doesn’t have to feel overwhelming. Each brings valuable skills and approaches, but what matters most is finding someone you feel aligned with and whose expertise matches your concerns and mental health goals. 

You can start exploring your options here at Talked. With verified professionals, transparent pricing, and flexible session formats, you can take the next step toward feeling better, whenever you’re ready.