Mental health, and the need for improved mental health services, has been a topic of conversation amongst a lot of people lately.
Seeking assistance for mental health issues is something that needs to be done sooner rather than later, as it effects almost every area of our lives. But there can be quite a financial toll doing this. The cost of mental health services can vary greatly, depending on your needs, location, and situation (concession card holder, NDIS, pensioner, WorkCover, TAC, etc.). For the purpose of this article, let’s assume you’re one of the many people who don’t fall into any of these categories.
Your first step is the GP. Medicare, as it stands right now, no longer bulk-bills doctor’s appointments most people, and the out-of-pocket cost varies practice to practice. The GP is usually always the first point of call, as this is where you go to get referrals and any kind of mental care plan you will need for specialist services.
Your second step may be a psychologist. Psychologist services can vary in cost, and can be partially covered by Medicare if you have a referral and mental care plan from your GP. Medicare currently covers a portion of the session cost, at a maximum of 10 sessions per year. Some health insurance providers also cover a percentage of the cost this as an extra. You can only use one or the other to pay for these services.
Your third step may be a psychiatrist. Psychiatrists tend to specialise in certain areas, so finding the right one can be difficult, and the wait times for appointments can vary from a few weeks to a few years, depending on the service you need (assessments, counselling, etc.). Medicare may cover a portion of the cost if you have a mental health plan or a referral from your GP. Appointments with a private psychiatrist outside of a hospital stay generally aren’t covered by private health insurance.
Depending on how far you need to go, the bills for these services can pile up quickly. You may need the services of other professionals not listed above. How can we deal with these costs?
- It’s important to do your research. Contact psychologists and psychiatrists for information on fees, payment options, and wait times. Your GP may be able to help you with this. If your GP knows that you’re concerned about costs, they may be able to find lower cost service providers for you.
- Check your health insurance to see if it covers psychology or other services in your extras cover. If you aren’t covered, consider increasing your coverage or changing providers (be aware that you may have a waiting period for any new extras you haven’t already been covered for in your previous policy).
- The Medicare safety net may come into effect when you spend over a certain amount in a calendar year. Once you hit that amount your rebates may increase for the remainder of the year.
- Some psychologist providers and universities offer the services of student psychologists. They provide lower cost services conducted by students-in-training (under professional supervision). You should discuss with your GP before doing this.
Whatever situation you’re in, it’s important to remember that there is help out there in a range of different areas. Understanding the costs you may be faced with during your journey beforehand is helpful in allowing you to plan ahead.
