What is a Mental Health Care Plan?
Let’s be real—taking care of your mental health can feel overwhelming. I’ve been there myself, and I’ve seen so many people struggle with where to even begin. But one thing that can make a real difference in accessing support is Australia’s Mental Health Care Plan (MHCP). It’s a practical tool that helps people get professional psychological support while keeping costs manageable.
What Is a Mental Health Care Plan (MHCP), and Why Does It Matter?
A Mental Health Care Plan is essentially a roadmap for your mental health journey. It’s a document your GP creates to help outline your specific needs and recommend support options.
The best part? An MHCP gives you access to Medicare-subsidised therapy sessions with psychologists, social workers, or occupational therapists. Therapy can feel out of reach for so many people due to cost, and this plan helps make it more affordable.
If you’ve been thinking about seeing a psychologist, your GP will likely suggest an MHCP—it’s often required at certain clinics. But beyond the logistics, I personally think it’s just a great starting point for taking your mental health seriously.
When might you consider a Mental Health Care Plan, and how do you get one?
If you’ve ever thought, “Is what I’m feeling normal?” or “Should I be coping better?”—you’re not alone. Life gets tough, and sometimes we need a little extra support. An MHCP might be a good idea if you’ve been experiencing:
Persistent stress, anxiety, or low mood
Difficulty adjusting to major life changes or processing trauma
Sleep issues, low motivation, or emotional ups and downs
If your mental health is making it hard to function at work, in relationships, or day-to-day life, having a structured plan for support can really help.
The process is simpler than you might think:
Book a GP Appointment – It’s best to schedule a longer appointment so you have enough time to talk.
Have a Chat – Your GP will ask about your mental health, and I encourage you to be open. They’re not there to judge, just to help.
Get Your Plan – If your GP thinks an MHCP will benefit you, they’ll create one and provide referrals to mental health professionals. This unlocks Medicare-subsidised sessions.
What Exactly Does an MHCP Cover?
With an MHCP, you can access up to 10 Medicare-subsidised therapy sessions per year. Your GP will connect you with professionals like psychologists, social workers, or occupational therapists.
Some practitioners bulk bill (meaning you don’t pay anything), while others charge a fee. It’s always a good idea to check with your chosen therapist before booking to understand any costs.
So, what do I do now?
I know reaching out for help can feel daunting, but it’s honestly one of the best things you can do for yourself. If you’re unsure about whether an MHCP is right for you, your GP is a great place to start that conversation.
You’re not alone in this—so many Australians seek mental health support every year, and there are professionals ready to help. A Mental Health Care Plan is more than just paperwork; it’s a way to prioritise yourself and start feeling more like you again.
If you already have a Mental Health Care Plan, you can contact our clinic to discuss booking in your first session. Our friendly team of counsellors and psychologists are ready to support you on your journey to better mental health.
Total Wellbeing is not a crisis service. If you need urgent help, please contact:
