Below are a few funds from Finder partners that cover psychology in extras. We've displayed the Psychology yearly limit. They also include other benefits such as dental, optical or physio - using the range of extras covered is a great way to get value for money.
All prices are based on a single individual with less than $90,000 income and living in Sydney.
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As far as health care is concerned, psychology is professional counselling or therapy for a range of mental issues, conducted by a trained clinical psychologist. These issues can be anything from a diagnosed mental illness like bipolar disorder to short-term issues like work-related stress.
A psychologist can help with any of the following conditions:
The main job of a psychologist is to help people cope with whatever is troubling them mentally, from everyday concerns to more complex mental illnesses. They do this by using a range of therapies that can be collectively called "psychotherapy". Through psychotherapy, patients can learn any number of new skills including better ways to think, act, communicate and manage their emotions.
Psychologists are trained to observe the mental states of their patients and adjust their treatment plans in a way that gives each patient the best opportunity to apply what they've learned in therapy. For example, psychologists might use hypnosis to help patients relax so that their mind can be open to new ideas.
Some common therapies include:
A psychologist does not prescribe medication to treat mental problems. You would need a psychiatrist for that, although your GP can prescribe some medications related to mental illness should they be required.
The Better Access to Mental Health Care initiative lets people claim up to 10 psychology sessions per year through Medicare. You're required to visit a GP for a consult to receive the sessions.
This can be a good solution if you’re looking for ongoing support, and can also be combined with additional sessions via private health insurance.
By following a few simple steps, almost anyone with temporary or ongoing mental issues can get covered. Here's what you need to do:
Medicare will rebate you $84.80 per 50+ minute session with a general psychologist, and $124.50 for a session with a clinical psychologist as long as you are on a mental health treatment plan. If the actual cost for a session is greater than this, you’ll have to pay the difference.
When you are booking your appointment, remember to ask for the fees up front so you know how much out-of-pocket expense to expect.
Most insurers offer psychology cover through an extras policies, which typically also includes dental, optical and natural therapies cover.
You don't need to see a GP first, you don't need a referral and you don't need a mental health treatment plan. Depending on which level you sign up to, your plan will have a set dollar limit which you are allowed to claim throughout the year.
When comparing health insurance policies you'll want one that offers the best value, and there's more to value than just price. Keep an eye out for how insurers treat the following:
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