Funding Pathways
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mind to mind
Referral & Funding Pathway
Mental Health Care Plan (Medicare)
For clients accessing Medicare-rebated psychology sessions
If you’ve looked into seeing a psychologist under Medicare, you’ve probably run into some confusing terms. What is a Mental Health Care Plan? How many sessions do you get? Do you have to pay anything? It can feel like a lot to figure out, especially when you’re already finding things hard. We’re here to walk you through it in a way that makes sense.
A Mental Health Care Plan, sometimes called a Mental Health Treatment Plan, is a written plan created by a GP, psychiatrist or paediatrician. It sets out your current concerns, your treatment goals, and a referral to support. Once you have one, you can access Medicare rebated sessions with a psychologist.
How it works
- Book an appointment with your GP. A longer appointment is often needed to give them enough time to talk things through and put the plan together.
- Your GP will ask how you’ve been going and how things are affecting your day to day life, sometimes using a short questionnaire. There are no right or wrong answers, it just helps build a picture of what’s going on.
- If your GP agrees psychological support would help, they’ll create your Mental Health Care Plan and refer you to a psychologist. You’re welcome to research psychologists yourself and ask your GP to address the referral to whoever feels like the right fit for you.
- You’re initially approved for six sessions. If you and your psychologist feel more support would help, you can go back to your GP for a review, who may approve four further sessions, for a total of up to ten Medicare rebated sessions per calendar year.
- Your Mental Health Care Plan doesn’t expire. It stays valid for the sessions it covers, though you’ll need a review from your GP for more sessions once you’ve used your allocation, or if there’s been a long gap since you last used it.
What it costs
Medicare provides a rebate of $101.55 per session with a Registered Psychologist, or $149.05 per session with a Clinical Psychologist, with a Mental Health Care Plan in place (current rates published on MBS Online). Payment of the full session fee is required upfront. For in-person sessions, we can process your rebate on the spot if you bring your Medicare and debit card. For telehealth sessions, your rebate is processed online and usually reaches your account within a few business days.
Cancellation Policy
Getting started with Mind to Mind
Frequently Asked Questions
DVA (Department of Veterans' Affairs)
How it works
- White Card holders can access mental health treatment for any condition under Non-Liability Health Care (NLHC) arrangements. You don’t need to prove your condition is related to your service.
- Gold Card holders are covered for the full range of health conditions, including mental health.
- You’ll need a referral from your usual GP. A specialist, treating hospital doctor or hospital discharge planner can also provide the first referral in a treatment cycle. Read more about how the allied health treatment cycle works on the DVA website.
- Referrals are valid for a ‘treatment cycle’ of up to 12 sessions or one year, whichever comes first. At your first session, we’ll work with you to create a Patient Care Plan setting out your goals, and at the end of the cycle we send an End of Cycle Report to your GP so they can decide on next steps together with you.
- You can have as many treatment cycles as your GP decides are clinically necessary. There’s no overall limit on the number of cycles, each one just needs a new GP referral.
What it costs
Cancellation Policy
Getting started with Mind to Mind
Frequently Asked Questions
Yes, Open Arms is a separate, free counselling service for current and former ADF members and their families, and the two supports can work alongside each other.
A heads up: the Government has announced changes to how DVA funds allied health services, including psychology, starting from 1 July 2027. The current treatment cycle model is being replaced with an annual funding limit per veteran, alongside an increase to allied health fees. We haven’t gone into detail here since it’s still some way off and the finer points are still being worked through, but you can read DVA’s announcement at dva.gov.au, Changes for allied health from July 2027. We’ll update this page well before the change takes effect.
ADF (Australian Defence Force)
How it works
- Members can self-refer, be referred by their commander or manager, or be referred by a Medical Officer or on base health professional.
- The first point of contact is usually the member’s on base Garrison Health Service or Health Centre, which can refer to an off base civilian provider, such as Mind to Mind, when appropriate.
- Defence also runs the All-hours Support Line (ASL), a confidential 24/7 triage line on 1800 628 036, for members and their families, which can direct people to psychology, medical, social work or chaplaincy support.
- Every sixth session, we provide a clinical report back to your referring Medical Officer or Mental Health Professional as part of Defence’s coordinated care requirements, along with a brief check in at that point on how things are progressing.
What it costs
Cancellation Policy
Getting started with Mind to Mind
Frequently Asked Questions
No, you can self-refer confidentially through your on base health centre or the All-hours Support Line (1800 628 036), as well as through a commander or manager referral if that’s your preferred pathway.
Yes, the All-hours Support Line (1800 628 036) operates 24 hours a day, seven days a week, and can connect you with psychology, medical, social work or chaplaincy support.
EAP (Employee Assistance Program)
Whatever’s brought you here, we’re glad you reached out. An Employee Assistance Program is a confidential counselling service that your employer funds as part of your workplace benefits. If your workplace has an EAP, you can usually access a set number of sessions at no cost to you, in a space that’s entirely separate from your employer.
EAP support through Mind to Mind is available to employees of organisations that hold an EAP contract with us. If your organisation doesn’t currently have one, you’re welcome to raise it with your HR manager. Many workplaces are open to setting up an EAP arrangement when an employee asks, and we’re happy to talk with your HR team directly about what that would involve.
How it works
- Your employer sets up an arrangement with Mind to Mind and determines how many sessions are included.
- You contact Mind to Mind directly, often quoting your organisation’s name, to book. You don’t need to go through HR or your manager.
- Sessions are typically short term (often around three to eight sessions per issue, per year, depending on your employer’s arrangement), covering personal or work related concerns.
- What’s discussed in session stays confidential between you and your psychologist. Employers only receive general, de-identified usage reporting.
What it costs
Cancellation Policy
Getting started with Mind to Mind
Frequently Asked Questions
AFL Players Association
Whatever season of football and life you’re in, we’re here to support you. The AFL Players’ Association (AFLPA) provides free, confidential counselling support for current and past AFL and AFLW players, and their significant others, through its National Psychology Network, away from the club environment, in a space that’s just for you.
How it works
- Players can access the service directly through the AFLPA, or through club staff and other indirect referral channels.
- The National Psychology Network is made up of qualified, registered psychologists around the country who see players away from the club environment, independent of club management.
- Support is available for current players, past players, and their significant others.
What it costs
Cancellation Policy
Getting started with Mind to Mind
Frequently Asked Questions
RTWSA (WorkCover)
Recovering from a workplace injury can affect your mental health as much as your body, and we’re here to support you through it. If you’ve experienced a psychological injury, or psychological symptoms alongside a physical injury, related to your work in South Australia, you may be able to access psychology sessions through ReturnToWorkSA (RTWSA).
How it works
- Report the injury to your employer and see your GP for an assessment. Your GP can support a claim and, if appropriate, refer you to a psychologist.
- A claim can be lodged by phone with ReturnToWorkSA on 13 18 55, online through the ReturnToWorkSA claims portal, or through your employer’s claims agent. Workers at self-insured businesses report the injury to their employer directly.
- Once a claim is accepted, you’re referred to a psychologist. Referrals can come from your GP, a specialist, or your claims manager, or be noted on your Work Capacity Certificate.
- Some providers, including us, may be willing to see you before a final decision is made on your claim. If we do, this is on the understanding that RTWSA only pays for these sessions if your claim is later accepted. If it isn’t, you’d be responsible for the cost, so we’ll always talk this through with you first.
- RTWSA also offers a separate Mental Health Support Service for mild to moderate anxiety, depression or stress, available to injured workers and eligible family members, which must be approved by your claims manager.
What it costs
Cancellation Policy
Getting started with Mind to Mind
Frequently Asked Questions
We’re not able to provide advice on your claim itself. For questions about eligibility or the claims process, ReturnToWorkSA (13 18 55) or your claims agent will be able to help.
CTP (Compulsory Third Party)
How it works
- CTP claims apply where someone else was at least partly responsible for the accident. If you’re under 16, you’re covered even if you caused the accident. See who can claim on the CTP Insurance Regulator’s website for full eligibility details.
- You lodge a claim with the CTP insurer for the at-fault vehicle, currently Allianz, AAMI, QBE, NRMA Insurance (formerly SGIC) or Youi, by completing a South Australian Injury Claim Form.
- If the at-fault vehicle is registered interstate, your claim is managed by the relevant interstate CTP insurer instead.
- If you’re unsure whether your claim will be accepted, you can contact the CTP Insurance Regulator for guidance.
- Psychological treatment can be funded as part of an accepted CTP claim, alongside other injury related treatment.
What it costs
Cancellation Policy
Getting started with Mind to Mind
Frequently Asked Questions
Psychological injury can be claimed on its own or alongside a physical injury. If you’re unsure whether your situation qualifies, the CTP Insurance Regulator can advise on your specific claim.
The CTP Insurance Regulator can help identify the correct insurer for your claim if you’re not sure.
LSA (Lifetime Support Authority)
Some injuries change everything, and ongoing psychological support can be an important part of adjusting to that. The Lifetime Support Scheme (LSS) supports people with catastrophic injuries from a motor vehicle accident, such as spinal cord injury, traumatic brain injury, amputation or severe burns, regardless of who was at fault. The scheme is administered by the Lifetime Support Authority (LSA).
How it works
- Eligibility is based on the severity of the injury, not on who caused the accident, and applies regardless of age.
- Applications for LSS support are submitted directly to the LSA. See the how to apply page for what’s involved. The LSA works closely with hospital treating teams and emergency services to identify and support eligible participants early.
- You may be eligible for the LSS even if a related CTP claim is not accepted, since the two schemes assess different things.
- Once accepted as a participant, the LSA funds necessary and reasonable treatment, care and support, which can include psychological support, for the life of the participant.
- Before we can start seeing you, we need an approved treatment plan from the LSA that sets out your funded psychology support and the number of sessions covered. If you need more sessions than your current plan allows, we can request additional sessions on your behalf, which are delivered once your plan has been renewed to include them.
What it costs
Cancellation Policy
Getting started with Mind to Mind
Frequently Asked Questions
The LSS covers treatment, care and support, while a fault based CTP claim is separate and covers things like pain and suffering or economic loss. The two can run alongside each other, and it’s worth discussing both with the CTP Insurance Regulator.
NDIS
We’re here to support you in working towards the goals that matter to you. Psychology can be funded under the NDIS as a Capacity Building support, for example under Improved Daily Living or Improved Relationships, where it helps you build the skills and independence related to your disability.
Mind to Mind is not a registered NDIS provider. This means we’re able to see self-managed and plan-managed participants, but we’re not able to see participants whose psychology support is NDIA-managed (agency-managed), since that option requires a registered provider.
It’s also worth knowing that the NDIS generally funds psychology as a capacity building support (helping you build skills and independence related to your disability), rather than as clinical treatment for a mental health condition (diagnosing or treating symptoms like anxiety or depression), which is what Medicare is designed to cover. Many people are able to use both at once for different purposes. If you’re not sure which applies to you, your plan manager or Local Area Coordinator can help clarify what your plan actually funds.
How it works
- Self-managed: you pay Mind to Mind directly and claim the cost back yourself through the NDIS. See your management options on the NDIS website for more detail.
- Plan-managed: your plan manager pays Mind to Mind directly on your behalf and manages your budget.
- NDIA-managed (agency-managed): we’re not able to see participants under this option, as it requires seeing a registered NDIS provider.
What it costs
Session fees are generally set against the NDIS Pricing Arrangements and Price Limits for psychology and capacity building supports, though self- and plan-managed participants have some flexibility to negotiate. There is usually no additional out of pocket cost if your plan has sufficient funding allocated to the right support category.