Cost Calculator
Estimate how much you'll pay out-of-pocket for mental health sessions after Medicare rebates.
Estimated Costs
Total session fees
$0
Total Medicare rebate
−$0
GP visit costs
$0
Your out-of-pocket cost
$0
These are estimates only. Medicare rebate amounts may have changed — check Services Australia for current rates. Last updated: 2025-01-01.
How Medicare Rebates Work
When you see a psychologist with a valid Mental Health Care Plan (MHCP) and GP referral, Medicare pays back a fixed amount per session — this is the rebate. The difference between the session fee and the rebate is your out-of-pocket cost (also called the "gap").
You can receive up to 10 Medicare-rebated sessions per calendar year (January–December). After your first 6 sessions, your GP needs to do a brief review before you can access sessions 7–10.
Some psychologists bulk-bill, meaning they charge only the Medicare rebate amount — so your out-of-pocket cost is $0. However, bulk-billing psychologists often have longer wait times.