Psychology Fees Melbourne — Transparent, Affordable Care

Sessions from $50 · Medicare rebates available · $0 for WorkCover, TAC & NDIS

✓ Sessions from $50 ✓ Medicare Rebates ✓ NDIS Registered ✓ WorkCover & TAC ✓ No GP Referral Needed

Our Pricing Structure

Psychology fees depend on the type of psychologist you see. We offer three tiers of AHPRA-registered clinicians so you can choose the level of care that fits your needs and budget.

Please note there is a 2.1% surcharge on all card payments

From $50

Provisional Psychologist

AHPRA-registered · Supervised practice

Fully qualified graduates completing supervised practice. Ideal for anxiety, stress, depression and relationship issues. Same evidence-based approaches — lower cost.

Session	Fee	Fee from 1 July 2026
25-min online (Mon–Fri before 5pm)	$50	$50
25-min After-hours (weekdays 5pm+, weekends)	$50	$80
50-min session (Mon–Fri before 5pm)	$100	$100
After-hours (weekdays 5pm+, weekends)	$140	$150

Not Medicare-claimable · No referral needed

Medicare Rebates

Registered Psychologist

AHPRA-registered · General practice

Holds full AHPRA registration via the 4+2 pathway. Works across a wide range of presentations. Medicare rebates apply with a valid GP Mental Health Care Plan.

Session	Medicare Rebate	Fee	Medicare Rebate from 1 July 2026	Fee from 1 July 2026
50-min (Mon–Fri before 5pm)	$98.95	$210	$101.55	$225
After-hours (weekdays 5pm+, weekends)	$98.95	$255	$101.55	$275

Out-of-pocket: ~$123 standard · ~$173 after-hours (with MHCP)

Higher Medicare Rebate

Clinical Psychologist

AHPRA-registered · Specialist training

Completed a Masters or Doctorate in Clinical Psychology. Specialist training for complex presentations including trauma, personality disorders and chronic mental health conditions.

Session	Medicare Rebate	Fee	Medicare Rebate from 1 July 2026	Fee from 1 july 2026
50-min (Mon–Fri before 5pm)	$145.25	$265	$149.05	$285
After-hours (weekdays 5pm+, weekends)	$145.25	$315	$149.05	$340

Out-of-pocket: ~$135 standard · ~$190 after-hours (with MHCP)

Fees reviewed periodically. A valid Mental Health Care Plan from your GP is required to access Medicare rebates.

How Medicare Rebates Work

Step 1 — Get a Mental Health Care Plan

Book a long appointment with your GP and ask for a Mental Health Care Plan (MHCP).

Step 2 — Your GP Refers You

Your GP refers you to The Talk Shop — no further paperwork needed from you.

Step 3 — Book Your Session

Book online or by phone. Mention you have an MHCP at booking.

Step 4 — We Process Your Rebate

We process your Medicare rebate at the time of your session — same-day rebates in most cases.

Step 5 — You Pay Only the Gap

You pay only the gap — the difference between our fee and the Medicare rebate.

Note: Provisional Psychologists are not Medicare-claimable, but their lower fees often mean a comparable out-of-pocket cost. Medicare funds up to 10 individual sessions per calendar year under a Mental Health Care Plan.

Pay $0 Out-of-Pocket — Funded Programs

If you have an approved claim or funded support, your psychology sessions may be fully covered — with no out-of-pocket cost at all.

WorkCover

Workplace injury? WorkCover Victoria may cover the full cost of your psychology sessions once your claim is approved.

TAC

Transport accident? TAC funding can cover the full cost of psychology sessions with no out-of-pocket expense.

NDIS

Registered NDIS provider. If your plan includes Improved Daily Living (Category 15), sessions can be fully covered.

DVA

DVA clients with a valid Gold Card or White Card are fully covered with no session cap (clinically justified). All current and former ADF members can access fully-funded psychology under NLMHT. GP referral required.

EAP

Access your Employee Assistance Program sessions through us. Fully confidential, employer-funded, no referral required.

Not sure what funding applies to you? Call us on 1300 224 665 and we’ll help you figure it out before your first session.

Private Health Insurance

Many private health funds cover psychology sessions under extras cover. The rebate depends on your fund and level of cover. We recommend contacting your fund before booking — we provide itemised invoices accepted by all major Australian health funds.

Frequently Asked Questions

Do I need a GP referral to see a psychologist?

No — you can book directly with us at any time. A GP Mental Health Care Plan is only required if you want to access Medicare rebates.

How do I book an appointment?

The easiest way is to book online — available 24/7, no referral needed. If you’re unsure which psychologist or session type is right for you, call us on 1300 224 665 or send an enquiry and our team will help.

What happens at the first session?

Your first session is about getting to know you. Your psychologist will ask about what’s brought you in, your background, and what you’d like to work on. You don’t need to prepare anything in advance.

How much does a psychology session cost?

See the full pricing table at the top of this page for up-to-date session prices and Medicare out-of-pocket amounts.

Can I get bulk-billed psychology sessions?

Yes — we offer bulk-billed sessions for eligible clients. Due to demand, there is typically a 3-month waitlist. Bulk-billed appointments are generally available on short notice and via telehealth. Contact us to join the waitlist.

How many Medicare-rebated sessions can I get per year?

Medicare funds up to 10 individual sessions per calendar year under a Mental Health Care Plan. Your GP can refer you for 6 sessions initially, with up to 4 more available after a mid-year review.

What is the Medicare rebate for psychology?

Medicare rebate amounts are set by the Australian Government and updated periodically. For current figures, refer to the pricing table at the top of this page — we keep it up to date so you always have the latest amounts in one place.

How do I claim my Medicare rebate?

We lodge your Medicare claim for you at the end of your session. Rebates typically appear in your registered bank account within 48–72 hours.

What if I’ve used all 10 Medicare sessions?

You have several options to continue care:

Continue as a self-funded client from $210 per session — no referral needed
Switch to a Provisional Psychologist for sessions from $50
If you have NDIS, WorkCover, TAC, DVA or EAP funding, you may be able to continue at $0 out-of-pocket — contact us to check your eligibility

Does The Talk Shop accept NDIS?

Yes. We are a registered NDIS provider and work with self-managed, plan-managed, and NDIA-managed participants. If your plan includes Improved Daily Living (Category 15), sessions can be fully covered with no out-of-pocket cost.

Does The Talk Shop accept WorkCover and TAC?

Yes. Eligible WorkCover and TAC clients pay $0 out-of-pocket once their claim is approved. Contact us and we’ll liaise with your case manager directly.

Do you offer telehealth (online) psychology sessions?

Yes. Telehealth sessions are available via video call or phone for all clients. They attract the same Medicare rebates as in-person sessions and can be booked through our online portal.

How long is a psychology session?

We offer two session lengths:

Standard session — 50 minutes
Short session — 25 minutes (available online, Monday–Friday before 5pm, from $50)

How do I pay, and when will I be charged?

We accept Visa and Mastercard. Your card details are required at booking and your card is charged on the morning of your appointment — covering your session fee or a late cancellation fee if applicable.

What is the cancellation policy?

Please give us at least 24 hours’ notice to cancel or reschedule. Late cancellations (under 24 hours) incur a $75 fee. Non-attendance is charged the full session fee. These fees are not covered by Medicare or private health insurance.

Ready to Get Started?

Same-week appointments available. No GP referral needed to book. Speak to our team if you are unsure which psychologist type is right for you.