Mental Health Treatment Plans explained
A Mental Health Treatment Plan (often called a "Mental Health Care Plan") is how many people access Medicare rebates for sessions with a psychologist.
This is general information only, not medical or financial advice. Medicare rules change. Check with your GP or Services Australia for your situation. Last reviewed November 2026.
What is it?
It's a plan your GP prepares with you if they assess that psychological support would help. It sets out your goals and the support you'll receive, and it comes with a referral to a psychologist.
How do I get one?
- Book a longer appointment with your GP and mention you'd like to talk about a Mental Health Treatment Plan.
- Since 1 November 2025, for the rebate to apply the plan generally needs to be prepared by a GP at the practice where you're registered for MyMedicare, or by your usual GP.
- Your GP can refer you to a particular psychologist, or to Referral House to help find one.
How many sessions are covered?
Under Medicare's Better Access initiative, eligible people can claim rebates for up to 10 individual sessions each calendar year. These are usually provided in courses of up to 6 sessions, with a check-in with your GP before further sessions.
Will I still pay something?
Often, yes. Psychologists set their own fees, and the Medicare rebate covers part of it. The difference is called the "gap". Ask the psychologist's practice about fees before your first session.
Do I need a plan to see a psychologist?
No. You can see a psychologist privately without a plan. You just won't receive a Medicare rebate. Some private health insurance extras policies may cover part of the cost.