Simple, transparent, stress-free.
Your fund and level of cover determine if you can claim sessions under private health. This would be instead of Medicare.
- Coverage varies by provider and policy
- Some clients receive higher rebates through private health
- You can’t claim Medicare and private health for the same session
- We provide invoices for easy claiming
Check with your insurer to confirm your eligibility — every fund is a little different.
Using Private Health Insurance for Therapy
1. Check Your Policy
We are covered by all major health insurance. However different insurrers offer different rebates. Contact your insurer to confirm if psychology or counselling services are covered under your Extras or Allied Health policy.
2. Claiming Your Rebate
After your session, we’ll provide you with an invoice. Use your insurer’s app, website, or visit a branch to submit the invoice. Some insurers also accept claims via email.
3. Gap Payments
You may still need to pay the difference between the session fee and your rebate (this is known as the gap payment). At Sharp Minds Psychology we also call this the out-of-pocket expense.
FAQ’s
Can I claim psychology services through my private health insurance?
Yes, many private health insurance providers in Australia offer rebates for psychology services, depending on your level of cover. Check with your insurer to confirm your eligibility and rebate amount.
Do I need a referral to claim psychology services on private health insurance?
No, a referral is not needed to claim psychology services through private health insurance.
How do I claim my health insurance rebate for a session?
For online or telehealth sessions, you’ll get an invoice. You can send it to your health fund to claim your rebate.
Which private health insurance providers are accepted?
Sharp Minds Psychology works with most major private health insurance providers. Contact us if you want to confirm whether your specific insurer is compatible with our systems.
What information do I need to claim my rebate?
- Your invoice from Sharp Minds Psychology.
- Your health insurance membership details.
- Access to your insurer’s claiming system, such as their mobile app or online portal, if claiming manually.
How much will I get back from my health insurance?
Rebate amounts vary based on your policy and insurer. Contact your health fund to confirm the rebate amount for psychology services under your extras cover.
Are online and telehealth psychology sessions covered by private health insurance?
Yes, many insurers cover telehealth sessions. Confirm with your health fund whether this applies to your policy.
Can I claim both Medicare and private health insurance for the same session?
No, you can’t use both Medicare and private health insurance for the same session. You’ll need to choose one claiming choice.
What if my claim is rejected by my health insurance provider?
If your claim is rejected, contact your insurer directly to understand the reason. If you believe there is an issue with the invoice or service code, reach out to us for assistance.
Who can I contact at Sharp Minds Psychology for questions about claiming health insurance?
Our admin team is happy to help with any questions about private health insurance claims. You can contact us at admin@sharpmindspsychology.com