Health insurance for mental health explained

To find out exactly what you can claim for when it comes to Psychology check out your product guide.

No waiting periods: which means you can start seeing a psychologist as soon as you’re ready.

Telehealth claims available: so if your recognised provider offers telehealth, you could choose where and when you see them.

Choose your own provider: as long as they're recognised by ahm you can see whoever you like. 

Counselling is new to some of our extras and package cover, and involves talking therapy. It might be offered by a psychologist, nurse, social worker or occupational therapist. You don’t need a referral from a GP if you want us to help with your counselling bills, and they have training in different areas, for people with different needs. Service must be provided by an ahm recognised counsellor.

No waiting periods: which means you can start seeing a counsellor as soon as you’re ready.

Telehealth claims available: so if your recognised provider offers telehealth, you could choose where and when you see them.

Choose your own provider: as long as they're recognised by ahm you can see whoever you like. 

Counselling has a combined, annual limit with Psychology, along with some other services, depending on what type of cover you have.

To recognise a provider, we need to obtain specific details and credentials to make sure they meet our criteria for health insurance benefit payments. If you want to become a provider with ahm you can find out more here.

If you need to see a psychologist, private health insurance could be useful.

Psychology is a service that can be included in your extras cover (unlike psychiatry, which is usually covered under your hospital cover). There is annual limits, but no waiting periods apply, and Telehealth is available. Find out more.

Every situation is different, but if you’re asking yourself, ‘how can a psychologist help me and my specific issues?’ then it’s good to know psychologists have a suite of tools to choose from. Techniques like talking therapy, art therapy and music therapy can each play a role.

A psychologist will adapt their techniques to your individual situation, so if there’s a particular style of treatment you’re looking for, you can search our recognised providers.