Q: If I am not eligible for a Medicare referral, am I able to claim from my health fund?
If you have health cover for psychology treatment then you are entitled to claim. The claimable amount and number of sessions per calendar year depends on your plan.
HCF is the only health fund that has different regulations. If you are a member of HCF and you do have psychology cover, they will only rebate you for sessions once you have claimed your maximum number of sessions for the calendar year through Medicare under the Mental Health Care Plan (MHCP). A form will then need to be filled in and signed by your clinician to confirm that you have reached your maximum 10 claimable sessions for Medicare.
Therefore, if you decide not to proceed with the MHCP or you are not eligible, HCF will unfortunately not rebate you.