Bulk Billing vs Gap Fee: What’s the Difference When Seeing a Psychologist?
When you’re ready to book an appointment with a psychologist under a Mental Health Care Plan, one of the first questions people ask is:
“Is this bulk billed, or do I have to pay a gap?”
Let’s break down what that means — and what to expect financially when accessing psychological support in Australia.
What is Bulk Billing?
A bulk billed service means you don’t pay anything out of pocket. The psychologist accepts the Medicare rebate as full payment for the session and bills Medicare directly.
In other words: you swipe your Medicare card, and the cost is covered — no extra fees.
✅ Pros:
- No out-of-pocket costs
- Accessible if you’re on a low income, concession card, or struggling financially
⚠️ Things to keep in mind:
- Not all psychologists offer bulk billing
- Availability may be limited
- Often only applies to weekday hours or certain demographics (e.g. students, pensioners)
What is a Gap Fee?
A gap fee (or out-of-pocket cost) is the difference between the psychologist’s fee and the Medicare rebate.
With a valid referral and Mental Health Care Plan, you’re entitled to a Medicare rebate of $96.65 per session with a general registered psychologist. (This increases to $137.05 for sessions with a clinical psychologist.)
The psychologist sets their own fee, and you pay the “gap” between their full fee and your rebate.
💡 Example:
- Psychologist charges $180
- Medicare rebate: $96.65
- You pay: $83.35 out of pocket
✅ Pros:
- Wider range of experienced clinicians to choose from
- More flexibility in session times and appointment types (e.g. after-hours, longer sessions)
⚠️ Things to keep in mind:
- You pay the full amount upfront and claim the rebate after (or the practice processes it for you)
- There may be wait times for more popular practitioners
Which Option Is Best for You?
Both bulk billing and gap fee services can provide excellent care — it depends on your situation and preferences.
Consider the following:
- Do you need low- or no-cost options right now? → Try bulk billing
- Are you after a specific psychologist or more availability? → Gap fee may give you more options
- Are you eligible for concession-based bulk billing? (E.g. health care card, student, pensioner)
Many clinics (including those listed on Seek Help) offer blended models, where some clients are bulk billed and others pay a gap depending on circumstances. It’s always worth asking!
How to Claim a Medicare Rebate
If you’re seeing a psychologist who charges a gap:
- Bring your Medicare card
- Make sure your GP referral and MHCP are valid
- After paying, the clinic may process your rebate on the spot, or you can claim through the Medicare app or myGov.
Need Help Finding the Right Fit?
At Seek Help, we help you find psychologists who match your needs — whether you’re after bulk billing, low-gap fees, or a specific approach to therapy. Browse by location, cost, or specialty, and take the next step toward better mental health.