All the extras policies below have a benefit for psychology, which can be used for couples counselling. The maximum claim limit and waiting period varies from fund to fund. All prices are based on a single individual with less than $93,000 income and living in Sydney.
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Mid-range and comprehensive extras policies can pay benefits paid towards consultations with a recognised psychologist or recognised counsellor, plus cover you for others services like dental, physio and optical. This can include:
Policy prices start from around $27 per month and come with an annual claim limit of around $500 to $750. You will generally have a 0 or 2 month waiting period. Some providers and programs may not be recognised by your health insurer – in which case, it won't not cover you, so make sure you check with them before you receive counselling.
| Response | |
|---|---|
| Somewhat | 46.14% |
| Yes | 34.56% |
| No | 19.31% |
You've got a few options to claim couples councelling on your extras. I contacted a couple of health funds to get a vibe of the general approach - this is the response I received from ahm that seemed to represent the majority of the fund's policies:
If your policy includes psychology consultations and the provider you see is registered with us, then for couple consultations, claims can be processed to either:
Couples counselling costs range from around $120-$200 per session in Australia but you can claim around $500 to $750 back per year with extras cover. If you need several sessions, it's likely that you'll have some out of pocket expenses but there's generally no waiting period so you can start claiming straight away.
Couples counselling isn't covered by Medicare so you'll have to pay for it all yourself. Prices can vary depending on where you go. For example, Relationships Australia offers online counselling from $120/hr. However, if you're seeing a qualified psychologist, they could charge anywhere from $100/hr to $250/hr – New Vision Psychology charges $230 and $250 for a registered and clinical psychologist respectively.
Unfortunately, the answer is probably not. While mental health plans do exist under Medicare to assist people with mental health issues in seeking professional assistance, these are restricted to individuals.
Couples counselling, while inarguably a very difficult and mentally taxing process to go through, doesn't fall under this definition and won't be covered by a mental health plan. That said, there are a few limited situations where Medicare may be applicable – such as when one partner suffers from a condition like bipolar or depression and couples counselling may help to address it directly.
It can be daunting to sign up to a group counselling session like this, but remember the entire point is to provide you with a comfortable and safe environment where you can navigate your relationship. According to Relationships Australia, here's what you might expect from your first session:
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