How to Reduce Your Mental Health Costs
Seeing a psychologist doesn’t have to break the bank. Here are practical ways to reduce costs.
1. Find a bulk-billing psychologist
Some psychologists charge only the Medicare rebate amount, meaning your out-of-pocket cost is $0. They’re harder to find and may have longer wait times, but they exist. Ask your GP, check headspace centres, or search community health centres.
2. Use your EAP first
If your employer offers an Employee Assistance Program, use those free sessions while you’re waiting for a psychology appointment. It’s not “wasting” them — it’s getting support sooner.
3. Check your private health insurance
Some extras policies cover part of the psychology gap. Check your policy or call your insurer. Note: you generally can’t claim both a Medicare rebate and a private health insurance rebate for the same session.
4. Ask about sliding scale fees
Some psychologists offer reduced rates based on financial hardship. It’s worth asking — the worst they can say is no.
5. Consider a general psychologist vs. clinical
General psychologists often charge lower fees. The Medicare rebate is lower too (~$93 vs ~$149), but the gap may still be smaller. For many common issues like anxiety and depression, a general psychologist is perfectly appropriate.
6. Try telehealth
Telehealth sessions sometimes have lower fees, and they save you transport costs. The Medicare rebate is the same as in-person sessions.
7. Look into low-cost options
- headspace (ages 12–25) — free or very low-cost sessions
- Community health centres — often offer subsidised psychology
- University psychology clinics — supervised trainee psychologists at reduced rates (typically $20–$50 per session)