Check Your Private Health Psychology Rebate

Most mid and top tier extras policies include psychology, usually listed as Psychology and Counselling or Mental Health Services on your cover summary. If your extras cover includes it, your fund pays a rebate on each session with a registered psychologist, up to your annual limit.

It varies a lot: depending on your fund and level of cover, rebates commonly range from around $20 to more than $100 per psychology session, with an annual limit per person. That is exactly why we built this checker: enter your membership details and we confirm your rebate with your fund, so you know your out of pocket cost before you book.

We securely check with your private health insurer to see how much they will rebate for a psychology session. The gap payment is the difference between the session fee and the rebate your insurer provides. A check usually takes a few minutes.

The estimate is based on real-time data from your health fund and should be accurate. However, your actual rebate may vary depending on your specific policy, waiting periods, and annual limits.

Not on the same session: you cannot claim a Medicare rebate and a private health rebate for the same psychology appointment. Many people use their Medicare mental health care plan sessions first, then claim further sessions on their extras cover.

A psychologist holds a degree in psychology and is registered with AHPRA. They are trained in evidence-based therapeutic approaches for a wide range of mental health concerns.

A counsellor provides talk therapy and support for emotional and mental health challenges. Counsellors may hold qualifications in counselling or psychotherapy.

No, you do not need a GP referral to claim psychology sessions on your private health insurance. You can book directly with a psychologist and claim the rebate through your health fund.

After your session on Talked, we will provide you a receipt that you'll be able to use to claim your rebate back from your health insurer.