Mental health plans vs Counselling

Most of us have heard of a mental health plan, and many have probably used it. But how much do we know about the mental health plan?

We do know that we go to our local GP, speak to them about our feelings, take a test, and then get a mental health plan if we qualify. Sometimes you may get a choice in the psychologist you see; other times, you won’t. Depending on your psychologist, you may get bulk-billed for the entire cost of the session, or there may be a gap to be paid. Seems straightforward, right?

The things that aren’t usually freely talked about regarding mental health plans are that your file is linked to your Medicare, meaning that an employer and even your insurance company may be able to access these files. For example, if you are wanting to apply for the police service, having your mental health file linked to your Medicare has the possibility of affecting your career outcome. It can also affect some insurance payouts, and premiums. Psychologist are dictated on the type of therapy they can use (which often is Cognitive Behavioural Therapy). Now don’t get me wrong, I support the mental health plan and honestly believe it has a significant place. It helps countless people when they are struggling and don’t know where to turn. But I want to raise awareness of other options, such as private counselling.

One of the most critical factors for successful therapy is the relationship created between the therapist and client. When you see a private counsellor, you choose the therapist that makes you feel most comfortable. When you see a private counsellor, your file is strictly confidential. No one can access your file apart from your therapist and yourself unless you request it in writing, or it is court-ordered. If you have a great therapist, you will also find that they will use a suitable therapy specific for you, because not every treatment is appropriate to every person. I highly recommend finding a counsellor who is versatile in their therapy theories and can customise the treatment that you respond to for the best results. Another fantastic benefit to private counsellors is the wait times or should I say lack of wait times. There is a common issue on the mental health plan. People are being placed on waitlists for six, eight or even twelve months before they get their first session. Anyone struggling with mental health knows you can’t just say to yourself, “I will just get on with life and deal with my mental health issues when my appointment is available.” Usually, when mental health issues are left untreated, it becomes worse over time, not better. Some of you are reading this and thinking, “Well, that’s great, but what does it cost to see a private counsellor?” Fees to see a private counsellor depend on the counsellor. You will find the average cost to see a private counsellor in Queensland is around $100.00 per hour for individuals, this may vary depending on the counsellor, location, and other specifics. Some people will pay that, if not more, for the gap fee on a mental health plan. You can dictate how often you want to see the counsellor; it may be weekly, fortnightly, or even monthly. While your counsellor may guide you in what they believe will be the most beneficial to you, it is up to you how often you attend. During your sessions, you will have a chance to unpack what is affecting your life and learn new ways to cope, think and deal with stresses in your life. These coping techniques are something you will be able to use for the rest of your life.

So, when you need help with your mental state, think about what is important to you and what your mental health means to you, because making informed decisions matters.