Introduction
Accessing therapy in Australia has never been easier, with multiple pathways and formats available to suit different needs, preferences, and circumstances. Whether you're seeking support for anxiety, depression, trauma, or general wellbeing, understanding your options helps you make informed decisions about your mental health care.
This comprehensive guide covers everything from Medicare rebates and online therapy to finding the right therapist and understanding costs. We'll help you navigate the Australian mental health system and connect with the support you need.
Main Pathways to Access Therapy
There are several established pathways to access mental health support in Australia, each with different eligibility criteria, costs, and waiting times.
Medicare-Subsidised Psychology Services
The most common pathway for accessing affordable therapy through the public healthcare system.
- Cost: Typically $100-150 out-of-pocket per session
- Sessions: Up to 10 subsidised sessions per calendar year
- Requirement: GP referral and Mental Health Treatment Plan
- Providers: Registered psychologists and clinical psychologists
Private Psychology Services
Direct access to mental health professionals without GP referral requirements.
- Cost: $200-300+ per session (full fee)
- Sessions: Unlimited based on your needs and budget
- Requirement: None - direct booking available
- Providers: All types of mental health professionals
- Private Health: For private health care holders, rebates amount and sessions vary - check with your private health provider (Bupa, Medibank etc)
Community Mental Health Services
Free or low-cost services provided by community organizations and health services.
- Cost: Free to low-cost (sliding scale)
- Sessions: Varies by service and funding
- Requirement: Varies - some require referral, others don't
- Providers: Social workers, counsellors, psychologists
Specialized Funding Programs
Additional funding sources for specific circumstances or populations.
Medicare Rebates and Mental Health Treatment Plans
Medicare provides significant subsidies for psychology services through the Better Access initiative, making therapy more affordable for all Australians.
Step 1: Visit Your GP
Book an appointment with your GP to discuss your mental health concerns. Be honest about your symptoms, how long you've been experiencing them, and how they're affecting your daily life.
What to expect: Initial assessment, discussion of treatment options, and development of a Mental Health Treatment Plan.
Step 2: Get Your Referral
Your GP will provide a referral to a psychologist and may also refer to a psychiatrist if needed. This referral is valid for 12 months from the date of issue.
What you'll receive: Mental Health Treatment Plan, psychology referral, and sometimes a psychiatrist referral.
Step 3: Find a Provider
You can see any registered psychologist in Australia, including online providers. Browse our therapist directory to find suitable providers that match your needs.
Provider options: Clinical psychologists, registered psychologists, both in-person and online.
Step 4: Start Therapy
Book your first appointment and begin therapy. Medicare covers 6 sessions initially and up to 10 per calendar year.
What's covered: Individual therapy sessions (50-60 minutes each).
Medicare Rebate Amounts (2025)
| Provider Type |
Medicare Rebate |
Typical Total Fee |
Estimated Gap Payment |
| Clinical Psychologist |
$145.25 |
$200-300 |
$55-155 |
| Registered Psychologist |
$98.95 |
$150-300 |
$50-200 |
Note: These rates are effective from July 1, 2025. Some providers bulk bill (no gap payment) while others charge gap fees. Fees vary by location and provider experience.
Online vs In-Person Therapy
Both online and in-person therapy are effective and offer unique advantages. Your choice depends on personal preferences, circumstances, and the nature of your mental health concerns.
Online Therapy
Best for: Busy schedules, rural locations, mobility issues, comfort in familiar environments
Advantages:
- No travel time or parking costs
- Access to specialists anywhere in Australia
- Flexible scheduling options
- Comfort of your own space
- Often lower session fees
- Reduced waiting room anxiety
Considerations:
- Requires reliable internet connection
- May limit non-verbal communication
- Potential for technical difficulties
- Need for private, quiet space
- May not suit crisis situations
In-Person Therapy
Best for: Complex trauma, crisis support, preference for face-to-face interaction, specialized therapies
Advantages:
- Full non-verbal communication
- Immediate crisis intervention available
- Access to physical therapy tools
- Clear boundaries between therapy and daily life
- No technology concerns
- May feel more substantial and "real"
Considerations:
- Travel time and transportation costs
- Limited to local providers
- Less scheduling flexibility
- May require time off work
- Potential parking and accessibility issues
- Higher session fees in some areas
Hybrid Approach
Many people benefit from combining both formats:
- Start with in-person sessions to establish rapport
- Switch to online for convenience and consistency
- Use in-person sessions for intensive work or crisis support
- Maintain online sessions for ongoing maintenance
Types of Mental Health Providers
Understanding the different types of mental health professionals helps you choose the right provider for your specific needs and circumstances.
Clinical Psychologists
Qualifications: Master's or Doctorate in Clinical Psychology plus supervised practice
- Specialization: Complex mental health conditions, trauma, severe depression and anxiety
- Medicare eligibility: Higher rebate ($145.25)
- Best for: Severe or complex mental health issues, psychological assessment
- Typical session fee: $200-300
Registered Psychologists
Qualifications: Psychology degree plus supervised practice (4+2 or 5+1 pathway)
- Specialization: General psychological therapy, counselling, skill development
- Medicare eligibility: Standard rebate ($98.95)
- Best for: General anxiety, depression, stress management, life transitions
- Typical session fee: $150-300
Psychiatrists
Qualifications: Medical degree plus psychiatry specialization
- Specialization: Medication management, severe mental illness, diagnostic assessment
- Medicare eligibility: High rebate (varies by service type)
- Best for: Medication reviews, complex diagnoses, treatment-resistant conditions
- Typical session fee: $350-600+
Counsellors and Psychotherapists
Qualifications: Counselling or psychotherapy qualifications (Diploma to Master's level)
- Specialization: Relationship counselling, life coaching, specific therapeutic modalities
- Medicare eligibility: Not eligible for Medicare rebates
- Best for: Relationship issues, personal development, specific therapy approaches
- Typical session fee: $120-200
Social Workers
Qualifications: Social work degree plus mental health training
- Specialization: Holistic support, case management, family therapy
- Medicare eligibility: Limited (through some community programs)
- Best for: Complex psychosocial issues, family support, practical assistance
- Typical session fee: $130-200
Cost Considerations and Funding Options
Understanding the costs involved in therapy helps you budget effectively and choose the most suitable option for your financial circumstances.
| Funding Source |
Cost to You |
Sessions Covered |
Requirements |
Best For |
| Medicare Rebates |
$40-80 per session |
Up to 10 per year |
GP referral required |
Most Australians |
| Private (Full Fee) |
$120-250+ per session |
Unlimited |
None |
Flexible, no waiting |
| NDIS Funding |
$0 (from plan budget) |
As per plan allocation |
NDIS eligibility |
People with disabilities |
| Employee Assistance Programs |
$0 |
3-8 sessions typically |
Employment with EAP |
Work-related issues |
| Community Services |
$0-50 per session |
Varies |
Often income-based |
Low income, crisis support |
Money-Saving Tips
- Bulk billing providers: Some psychologists don't charge gap fees
- Student clinics: Supervised training clinics offer reduced rates
- Online therapy: Often 20-30% cheaper than in-person sessions
- Health insurance: Some extras cover psychology (limited benefits)
- Payment plans: Many providers offer payment plan options
- Group therapy: More affordable than individual sessions
How to Choose the Right Therapist
Finding the right therapist is crucial for successful outcomes. Consider these factors when making your decision.
Key Selection Criteria
- Specialization: Experience with your specific concerns
- Approach: Therapy style that resonates with you
- Credentials: Appropriate qualifications and registration
- Location/Format: Convenient access (online or in-person)
- Cost: Fits within your budget
- Availability: Can accommodate your schedule
- Cultural fit: Understanding of your background
- Gender preference: If relevant to your comfort
Questions to Ask Potential Therapists
- What is your experience with [your specific concern]?
- What therapy approaches do you use?
- What are your fees and payment options?
- Do you offer online sessions?
- How do you typically structure treatment?
- What can I expect from the first session?
- How will we measure progress?
Red Flags to Avoid
- Not registered with AHPRA or relevant professional body
- Promises quick fixes or guaranteed outcomes
- Pushes for long-term commitments upfront
- Doesn't respect professional boundaries
- Dismisses your concerns or experiences
- Refuses to discuss treatment approaches or progress
Getting Started: Step-by-Step Guide
Follow this practical guide to access therapy in Australia, whether you're seeking Medicare rebates or private treatment.
Step 1: Assess Your Needs
- Identify your main concerns and goals
- Consider your preferences (online vs in-person)
- Evaluate your budget and time availability
- Think about any specific requirements (cultural, language, gender)
Step 2: Choose Your Pathway
- Medicare route: Visit GP first for referral
- Private route: Research and contact therapists directly
- Community services: Contact local mental health services
- Specialized funding: Check eligibility for NDIS, EAP, etc.
Step 3: Research Providers
- Use our therapist directory to find suitable providers
- Check credentials and specializations
- Read reviews and testimonials
- Compare fees and locations
- Check availability for new clients
Step 4: Make Contact
- Call or email to discuss your needs
- Ask about initial consultations
- Confirm fees and Medicare rebate eligibility
- Schedule your first appointment
- Ask about preparation for the first session
Step 5: Prepare for Your First Session
- Gather relevant medical history or previous reports
- Prepare a list of current medications
- Think about your goals for therapy
- Plan questions to ask your therapist
- Ensure you have a private space (for online sessions)
Step 6: Begin Your Journey
- Attend your first session with an open mind
- Be honest about your experiences and concerns
- Discuss treatment goals and expectations
- Establish a regular session schedule
- Give the therapeutic relationship time to develop
Crisis Support and Emergency Services
If you're experiencing a mental health crisis or having thoughts of self-harm, immediate support is available 24/7.
Emergency Contacts
- Emergency Services: 000 (police, ambulance, fire)
- Lifeline: 13 11 14 (24/7 crisis support and suicide prevention)
- Beyond Blue: 1300 22 4636 (depression, anxiety, suicide prevention)
- Suicide Call Back Service: 1300 659 467 (24/7 telephone and online counselling)
- Kids Helpline: 1800 55 1800 (for young people aged 5-25)
Online Crisis Support
- Lifeline Text: Text 0477 13 11 14 (12pm-12am AEST)
- Beyond Blue Online Chat: Available at beyondblue.org.au
- Suicide Call Back Service Online: Chat available 24/7
- ReachOut: reachout.com (mental health support for young people)
When to Seek Immediate Help
- Thoughts of suicide or self-harm
- Plans to hurt yourself or others
- Severe depression that interferes with basic functioning
- Psychotic symptoms (hallucinations, delusions)
- Severe panic attacks or anxiety
- Substance abuse crisis
Ready to Start Your Mental Health Journey?
Find qualified therapists in your area who accept Medicare rebates and offer both online and in-person sessions.
Find Therapists Near You
Frequently Asked Questions
Q: How long do I have to wait to see a psychologist with Medicare?
A: Waiting times vary by location and provider. In major cities, you may find appointments within 1-2 weeks, while rural areas might have longer waits. Online therapy often has shorter waiting times.
Q: Can I use Medicare rebates for online therapy sessions?
A: Yes, Medicare rebates apply to both online and in-person therapy sessions. Many psychologists now offer telehealth services.
Q: What if I don't feel comfortable with my assigned therapist?
A: You can change therapists at any time. The therapeutic relationship is crucial for success, so don't hesitate to find someone who's a better fit for your needs and communication style.
Q: Do I need a mental health diagnosis to access therapy?
A: No formal diagnosis is required to access therapy. You can seek support for stress, life transitions, relationship issues, or general wellbeing. Your GP can help assess if you meet criteria for a Mental Health Treatment Plan.
Q: How do I know if therapy is working?
A: Progress in therapy varies, but signs include feeling more hopeful, developing coping strategies, improved relationships, better mood regulation, and working toward your goals. Discuss progress regularly with your therapist.
Q: What's the difference between a psychologist and a psychiatrist?
A: Psychologists provide therapy and counselling but cannot prescribe medication. Psychiatrists are medical doctors who can prescribe medication and often focus on diagnosis and medication management rather than ongoing therapy.
Disclaimer: This article is for educational purposes only and is not a substitute for professional advice. Always seek the guidance of a qualified health professional with any questions you may have regarding your mental health. If you are in crisis, please contact emergency services or a crisis helpline immediately.
