Do I Need a New Mental Health Care Plan Each Year?
- October 24, 2025
In Australia, under the Better Access initiative, individuals with a diagnosed mental health condition can access Medicare rebates for up to 10 individual and 10 group therapy sessions per calendar year. To access these services, you’ll need a Mental Health Treatment Plan (MHTP) from your GP.
Understanding the Calendar Year Reset
Your eligibility for Medicare rebates under the Better Access program resets every calendar year. Starting 1 January, you are entitled to a new set of 10 individual and 10 group therapy sessions, regardless of whether you used all sessions from the previous year.
Example:
Sarah completed 10 sessions with her psychologist in 2024 under her Mental Health Treatment Plan. From 1 January 2025, she becomes eligible for another 10 individual sessions, even though her previous plan technically remains valid. This ensures continuity of care without disruption.
When a New Mental Health Care Plan Is Needed
A new Mental Health Treatment Plan may be required in these situations:
- Change in treatment needs: If your condition or treatment goals change significantly, your GP may update or create a new plan.
- Long gap in treatment: If you haven’t seen your psychologist or GP for mental health care for a long period, a reassessment may be needed.
- Change in GP or psychologist: If you switch to a new GP or mental health professional, they might need to prepare a new plan or referral to ensure continuity of care.
Example:
Emily was referred for anxiety management in 2024. Later, her GP identified depression symptoms, so a new plan was created to address both concerns.
Steps to Access Mental Health Services
- Book a GP appointment: Discuss your symptoms, concerns, and treatment goals.
- Get a referral: Your GP can provide a referral for up to 6 sessions initially with a psychologist or other eligible provider.
- Attend your sessions: Work with your chosen mental health professional.
- Review with your GP: After the initial sessions, return for a plan review. Your GP may approve another referral of up to 4 more sessions, reaching the 10-session annual limit.
Important Considerations
- Annual session limits: The 10 individual and 10 group sessions are per calendar year, not per plan.
- Plan reviews: Regular reviews with your GP ensure your plan stays relevant and effective.
- Medicare Safety Net: If your out-of-pocket costs reach a certain level, you may receive higher rebates under the Medicare Safety Net.
- Plan validity: Your plan does not technically expire, but most GPs recommend reviewing it at least every 12 months or when your needs change.
For official guidance, visit the Services Australia Mental Health Care Plans page.
Frequently Asked Questions
Do I need a formal diagnosis to get a Mental Health Treatment Plan?
Yes. Your GP must assess and diagnose you with a recognised mental health condition such as anxiety, depression, or adjustment disorder before creating a plan eligible for Medicare rebates.
Does a Mental Health Care Plan expire?
No, it doesn’t expire automatically. However, many GPs recommend updating or reviewing it annually or if your circumstances change.
Do Medicare-funded sessions reset each year?
Yes. The allowance of 10 individual and 10 group sessions resets on 1 January each year, independent of when your plan was created.
Do I need a new referral for every session?
No. You receive an initial referral for up to six sessions. After that, you’ll need to visit your GP for a review before accessing more sessions.
Are the sessions free under a plan?
Not necessarily. The plan provides Medicare rebates, but many psychologists charge more than the rebate amount. Some bulk bill, but most charge a gap fee.
Can I get a Mental Health Care Plan via telehealth?
Yes. Many GPs offer telehealth appointments to assess and create treatment plans. Psychology sessions can also be provided via telehealth if eligible.
What if my mental health condition changes?
If your diagnosis or treatment needs change—such as developing a new or additional condition—your GP may update or issue a new plan.
Can I access more than 10 sessions per year?
No. Medicare rebates cover up to 10 individual and 10 group sessions per year under Better Access. For extra sessions, your GP can discuss alternative programs or private options.
Can I change my psychologist or GP?
Yes. You can change providers anytime. However, you may need a new referral or updated plan to ensure the new provider can claim Medicare rebates.
What should I do before booking with a psychologist?
Confirm that your GP has provided a valid referral and that your psychologist is Medicare-registered. Ask about fees, rebates, and how many rebated sessions you have left.
Disclaimer: The information in this article is for general informational purposes only and is not intended to replace professional medical advice, diagnosis, or treatment. If you have concerns about your health, symptoms, or any medical condition, always consult your GP or another qualified healthcare professional.
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