Claiming Mental Health Treatment with GU Health in 2025

As a private health insurer providing cover for many Australians through employer and organisational plans, GU Health supports access to a range of health and wellbeing services, including those related to mental health.

If you are planning to start therapy with a psychologist and you are covered by GU Health, some of the cost of your sessions may be claimable through your extras (general treatment) cover. This guide explains what you need to know about claiming psychology services with GU Health, including how to check your cover and how to submit a claim through Talked.

Table of contents

• Does GU Health extras cover online psychology?

• What's covered by GU Health?

• Which GU Health policy covers psychology rebates?

• How much is the GU Health psychology claim?

• How do I use GU Health extras to claim the cost back of psychology?

• When do I need to make a claim?

• Can I claim a psychologist fee on GU Health and Medicare?

• Where can I find GU Health approved therapists?

• Easily claim GU Health psychology rebates with Talked

Does GU Health extras cover online psychology?

GU Health provides extras (general treatment) cover under many of its plans, which may include psychology services. This can apply to both face-to-face and telehealth (online) psychology sessions, depending on the specific inclusions in your policy.

Because GU Health plans differ based on your employer’s selected level of cover, it’s important to check whether psychology is included in your extras benefits before booking.

You can confirm this by logging into your GU Health member account or reviewing your benefits schedule.

What's covered by GU Health?

To be eligible to claim a psychology session through GU Health, the psychologist must meet GU Health’s provider requirements, including being appropriately registered and recognised (for example, AHPRA-registered). If you are unsure what the difference is between all these types of therapists, then check out our blog post explaining the distinctions.

You cannot claim a rebate for sessions with any therapist if your therapist does not meet GU Health’s criteria or if psychology is not included in your extras cover.

For example, some GU Health plans may cover sessions with psychologists but not sessions with counsellors or unregistered practitioners.

Booking with a registered psychologist via Talked makes it easy to access care that is aligned with standard private health fund requirements. However, you should still confirm with GU Health that psychology is included under your individual extras policy.

Check my GU Health cover

Which GU Health policy covers psychology rebates?

Unlike retail health funds, GU Health policies can be customised for specific employers or organisations. This means psychology rebates may be included in some GU Health plans but not in others.

If you are unsure whether your particular GU Health policy covers psychology:

• Log in to your GU Health member portal

• Review your extras (general treatment) benefits list

• Contact GU Health directly to confirm coverage

When reviewing your policy, look for categories such as:

• Psychology

• Counselling

• Mental health services

Only policies that explicitly list psychology or a related mental-health service type will be eligible for rebates.

How much is the GU Health psychology claim?

The amount you can receive back for psychology services with GU Health depends on the specific details of your extras policy, including:

Waiting periods - Most extras policies include a waiting period, meaning you must hold your cover for a minimum period before you are eligible to claim. If you recently joined or upgraded your cover, this may still apply.

Annual limits - Your policy will also include an annual limit for psychology or allied health services. This may include both an individual limit and a family limit.

Consult type - Some policies may reimburse different benefit amounts for an initial consultation versus subsequent visits.

Because GU Health plans vary between organisations, the best way to confirm your benefit levels is to review your policy documentation or contact the GU Health support team directly. We highly recommend that you review the full disclosure PDF of your cover to understand how your policy works by logging into your GU Health account.

How do I use GU Health extras to claim the cost back of psychology?

When you book a psychology session with a Talked psychologist, you will pay for the appointment upfront.

After your session, there are several ways that you can make your GU Health psychology claim after speaking with a Talked psychologist.

1. Use the GU Health mobile app

If you book a psychology session, you can claim by taking a photo or screenshot of the receipt or invoice. To be eligible to claim a GU Health session, you must make sure it contains the following details:

• Patient’s name

• Provider’s name and number

• Date of service

• Service provided

• Amount paid

Once your receipt includes all the necessary details, you can submit your claim through the GU Health mobile app. Just open the app, snap a photo of your receipt, attach any supporting documents, and hit Submit.

For sessions booked via the Talked platform, simply log in to your account to download the invoice. This invoice is pre-populated with all the information GU Health requires to process your claim, including your therapist’s provider number.

2. Claim through Online Member Services

Once you have your invoice, you can log in to your Online Member Services and hit the "Submit claim" button. You can upload up to four photos or PDFs of your receipts.

If you’re seeing a psychologist in person rather than through Talked, you may be able to swipe your membership card directly at the psychologist’s HICAPS terminal. In this case, you’ll only need to pay the gap, the difference between the psychologist’s fee and the amount covered by GU Health coverage.

When do I need to make a claim?

Most private health insurers allow members to submit claims after services have been provided, often within a period of up to two years. However, to ensure your claim is processed smoothly and to avoid any issues with annual limits resetting, it is best to submit your claim as soon as possible after your appointment.

If you’re unsure of the timeframe for your specific GU Health policy, check your membership information or contact their customer support team.

Can I claim a psychologist fee on GU Health and Medicare?

In most cases, you cannot claim the same session through both GU Health and Medicare. If you have a Mental Health Treatment Plan (MHTP) from your GP, you may be eligible to claim psychology sessions through Medicare. Once those Medicare-funded sessions have been used, you may then be able to claim through your private health insurance if your GU Health plan allows this.

The process can feel a little complex, so we’ve created an article on Medicare to help guide you. Please keep in mind that even when claiming through Medicare, there may still be a gap fee depending on your psychologist’s charges. If you’d like to claim via Medicare, you can also book an appointment with Talked's bulk billed GP to obtain your Mental Health Treatment Plan (MHTP).

If you are unsure which option is best for you, Talked can assist you in exploring whether Medicare or private health cover is more appropriate for your situation.

Where can I find GU Health approved therapists?

GU Health provides a “Find a Provider” tool in its member area, where you can search for recognised allied health professionals.

However, for quick and immediate access, you can also access AHPRA-registered psychologists through Talked. All psychologists available on Talked are fully registered and meet professional standards required by Australian health insurers.

Easily claim GU Healthpsychology rebates with Talked

GU Health supports access to health and wellbeing services through its extras cover. When combined with Talked’s secure telehealth platform and streamlined invoicing process, accessing psychological care becomes simple. After your session, Talked provides a detailed invoice ready for submission to GU Health, making the claim process straightforward and efficient.

If you’re ready to begin, you can book an appointment with a registered psychologist through Talked and take the next step toward better mental wellbeing.

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