Understanding how rebates work can be confusing. In some instances counselling fees may be subsidised by Medicare rebates, private health insurance, or other funding sources.
To shed light on how rebates work, we outline here, as simply as possible, the various rebate requirements and processes. However, we appreciate that every situation is unique, raising unique questions that can sometimes only be solved in a conversation. So feel free to phone with any queries you may have and we will do our best to assist
Medicare Rebates
To claim a Medicare rebate, you would first need to speak with your GP about your interest in counselling and whether a referral with Mental Health Care Plan (MHCP) may be appropriate. Your GP will then run through a list of questions with you to determine if you are eligible to be referred to a registered counselling provider with a Mental Healthcare Plan, and if so will provide the documentation that enables you to claim a Medicare rebate.
Rebates apply to 50+ minute session and vary depending on the provider type and the service type. These are also slightly increased each year. Specific information on rebates is provided at the time you book an appointment.
A Medicare rebate will typically reduce your out of pocket cost to between $100-$150 per session, for up to 10 sessions in a calendar year.
Medicare rebates can be processed online OR using a phone app.
Check this 1 minute video for information on how this works.
You can download the Medicare App here or search “Medicare App” in the app stores:
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Private Health Fund Rebates
Some private health funds cover a portion of the cost of counselling sessions. Typically, the rebate is approximately $40 per session for up to $400 per year. Please check with your health fund provider about the details of your cover.
You cannot claim a private health insurance rebate together with a medicare rebate. If you are not eligible to claim the medicare rebate (eg, 10 sessions are complete) then you may be able to (depending on your cover) claim a rebate via your private health insurance.
TAC
The TAC, Transport Accident Commission, is a government organisation that provides treatment and support services for those who have been involved in, or affected by transport accidents.
Work Cover Claims
WorkCover (also known as WorkSafe), is a workplace insurance scheme available to employees that provides funding for counselling for individuals who have either been injured at work, or for those who need support due to a workplace insurance claim.
Individuals with a TAC or WorkSafe claim number are able to access funded counselling with registered clinicians who have the relevant expertise and who can provide support and assistance.