Getting therapy shouldn’t feel like a luxury, but for many Australians, cost is a major barrier.
The good news? Medicare offers rebates for mental health care, including online therapy. If you’ve been wondering whether your virtual therapy sessions are covered—or how to make the most of Medicare support—here’s everything you need to know.
Does Medicare Cover Online Therapy?
With a valid Mental Health Treatment Plan and Referral from a GP, Medicare provides rebates for online therapy with psychologists through the Better Access Initiative, which was introduced to make mental health care more affordable and accessible. This means if you meet the eligibility requirements, you can receive subsidised therapy sessions via telehealth—all from the comfort of home.
How Many Online Therapy Sessions Does Medicare Cover?
Medicare rebates allow you to claim up to 10 therapy sessions per year if you have a Mental Health Treatment Plan (MHTP). Here’s how it works:
- Book a GP appointment: Your doctor will assess your mental health and create a care plan if you qualify.
- Start therapy: You’ll receive 6 subsidised sessions to begin with.
- Check in with your GP: After your initial sessions, a review is required before accessing the final 4 additional sessions.
This structure ensures ongoing support while allowing doctors to adjust your care plan as needed.
Who Is Eligible for Medicare Rebates for Online Therapy?
To access Medicare-subsidised therapy, you need to:
- Hold a valid Medicare card.
- Obtain a Mental Health Treatment Plan (MHTP) from a GP.
- See a registered psychologist or clinical psychologist
Not all therapists are covered under Medicare, so checking before booking is essential.
How Much Does Medicare Cover for Online Therapy?
The amount Medicare contributes depends on the type of therapist. Currently, in April 2025:
- Clinical Psychologists: Medicare rebate of $137.05 per session
- Registered Psychologists: Medicare rebate of $93.35 per session
Can Private Health Insurance Cover Online Therapy?
If you’ve used your 10 Medicare sessions or prefer therapy outside Medicare, private health insurance may help. Some policies cover psychology sessions under extras cover, but it varies between providers.
Things to check with your insurer:
- Does my policy cover online therapy?
- How much can I claim per session?
- Are there annual limits on mental health services?
If you have both Medicare and private health cover, you can’t claim both for the same session, but you may be able to use insurance for additional therapy once your Medicare sessions run out.
How to Find a Medicare-Eligible Online Therapist
Finding a therapist who offers Medicare rebates doesn’t have to be complicated. Here’s how to get started:
- Get a Mental Health Care Plan (MHTP): Book an appointment with your GP.
- Ask about Medicare eligibility: Ensure you are booking with a registered psychologist or clinical psychologist. Counsellors and psychotherapists are not eligible for Medicare rebates.
- Confirm costs upfront: Make sure you understand the out-of-pocket expenses that will be incurred.
Making the Most of Medicare-Supported Online Therapy
To get the best results from your Medicare-subsidised therapy, keep these tips in mind:
- Choose a therapist who fits your needs: A good match makes therapy more effective.
- Use your GP check-ins: These reviews allow for adjustments to your care plan if needed.
- Consider combining therapy with self-care strategies: Mindfulness, journaling, and exercise can all complement your sessions.
Is Medicare-Supported Online Therapy Right for You?
For many Australians, Medicare makes therapy more affordable and accessible. Whether you live in a rural area, have a packed schedule, or just prefer therapy from home, online sessions covered by Medicare can be a great option.
At The Indigo Project, we connect people with Medicare-eligible therapists who offer online sessions designed to suit their needs. If you’re unsure what’s covered or how to find the right therapist, we’re here to help.
