Claim Mental Health Treatment with HBF

HBF does include coverage for various mental health services. If you're in need of psychology services or any mental health support, we encourage you to read this article to avoid unnecessary out-of-pocket costs.

Your HBF plan may cover psychologists and clinical psychologists but will not likely covers psychotherapists or counsellors. If you're uncertain about the differences between these therapist types, our blog post offers a detailed explanation of their unique roles.

What's covered?

For your psychology session costs to be covered (or partially covered) by HBF, the therapist must satisfy HBF's requirements and be HBF-approved. Booking a therapist who is not accepted under HBF's policy would mean you can't reclaim the expense, regardless of your service coverage. We've simplified the process for you to find HBF psychologists. Booking one of these HBF therapists allows you to leverage your HBF extras cover and claim back your costs. We'll detail how to do this shortly.

In addition to selecting a HBF approved therapist, ensure that your HBF plan includes mental health services. Typically, HBF extras cover contributes towards the cost of psychology and clinical psychology. If you specifically obtain HBF's mental health cover, you may be able to claim psychology sessions. However, it's always advisable to verify. Use the provided link to log in to your HBF account and check whether your HBF extras cover includes mental health services.

Check my HBF cover

How do I use HBF's mental health cover to claim the cost back?

Upon booking your session on Talked, an upfront payment is required. After your session, you'll receive an invoice that you can subsequently use to lodge a claim with HBF.

If you've scheduled a therapist through the Talked platform, you can effortlessly log into your account and download the invoice. This invoice is automatically populated with all necessary information HBF requires, including the psychologist's provider number. With your invoice ready, log into your HBF account, choose "make a claim" from the menu options, upload the invoice, and click submit.

Do HBF's mental health extras cover online therapy?

Absolutely! HBF recognises the significance of online therapy in extending mental health support to wider audiences, HBF provides coverage for these services.

However, it's crucial to verify whether your extras cover includes psychology and clinical psychology session. This information can be accessed within your HBF account.

Can I claim a psychologist fee on HBF and Medicare?

If you like to claim the Medicare rebate, you must talk with your GP as without obtaining a mental health care plan, you can not claim the rebate. If your regular GP is not available, you can book a bulk billed session with our GP and to obtain your Medicare rebated MHTP.

The process can be a bit confusing, but check out our article on Medicare to learn more.

Please note that even if you are obtain a mental health care plan and claim the Medicare rebate, there may still be a gap fee depending on the fees charged by the psychologist. You HBF mental health extras cover may help pay this gap depending on the level of cover you have or not cover you at all. You will need to confirm with your HBF account.

Where can I find HBF approved psychologists?

Connecting with a HBF psychologist has never been easier through Talked. You can browse our carefully curated list of HBF approved psychologists and clinical psychologists, book and connect with them in under 24 hours.

After your appointment, we will provide you with an invoice containing all the information you need to claim back the cost.

Not with HBF? Don't worry, we have your back. After you see your therapist, claim your mental health rebate from ahm, Medibank, Police Health, CUA Health, Doctors Health, nib, Bupa, HCF, Australian Unity, CBHS Health, GMHBA, Peoplecare, Westfund and many more private health insurers.