Medicare rebates, explained in one page.
Mental Health Care Plans for psychology, Chronic Disease Management plans for OT, speech, and physio — what each covers, and what the gap is.
Looking for NDIS? It has its own page →
How it works here
Mental Health Care Plan (MHCP).
Your GP writes the plan and refers you to a psychologist. Medicare rebates part of each session fee for up to 10 sessions per calendar year [VERIFY current cap]. You pay the gap on the day; the rebate usually lands back in your account within a day or two.
Chronic Disease Management (CDM).
For ongoing conditions, your GP can write a Care Plan covering up to 5 allied health sessions per calendar year — across all disciplines combined. Each rebated session still carries a gap; we tell you the number before you book.
No referral? You can still come.
A referral changes what Medicare covers — it isn’t required to see us. If a plan would help you, we’ll suggest you talk to your GP, and we’ll send them what they need.
You never pay for a session you didn’t know the cost of.
We tell you the gap in plain words before your appointment. If your cover doesn’t stack up, we’ll say so and help you think about alternatives.
Medicare questions
It depends on the discipline and session length — typically $[range TBD] after the rebate. [VERIFY all fee figures.] We tell you your exact number before your first session.
For most services, no — our fees typically include a small gap above the Medicare rebate, stated up front. If the gap is a barrier, tell us and we’ll talk through options.
The cap is per calendar year and resets in January [VERIFY current MBS rules]. Your GP reviews the plan partway through — we send them the review letter on time.
Yes — they cover different things. A CDM plan for physio and an MHCP for psychology can run in the same year. We’ll map it with you on the first call.
Ready when you are.
Book a time — we’ll sort the funding together. Or ring 1300 615 193 and we’ll work it out in about ten minutes.