Living in Australia - Australia Student & Expat Resource Hub

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What is Covered by OSHC in 2026?

1. The "Mental Health Care Plan" (MHCP)

To get a rebate for a psychologist, you must first visit a GP to get a Mental Health Care Plan.
- GP Visit: Usually 100% covered (direct-billed) at campus clinics or partner providers.
- The Benefit: In 2026, an MHCP allows you to access up to 10 rebated sessions per calendar year with a registered psychologist.
- The Rebate: OSHC typically covers 85% to 100% of the MBS (government) fee. If a psychologist charges $200 and the MBS fee is $137, your OSHC pays the $137, and you pay the $63 gap.
2. Psychiatrists (Medical Specialists)

Psychiatrists are medical doctors who can prescribe medication.
- Coverage: OSHC covers 85% of the MBS fee for outpatient specialist visits.
- Gap Fees: These can be high (often $100+ per visit). Always ask for a "no-gap" or "student discount" provider through your insurer's app.
3. Hospital Psychiatric Care

If you require admission to a hospital for mental health treatment:
- Public Hospitals: Usually 100% covered with no out-of-pocket costs.
- Private Hospitals: Covered if your insurer has an agreement with that hospital (standard in most 2026 Comprehensive plans).
Where to Find 100% FREE Support

Before spending money on a private psychologist, utilize these zero-cost services available to students in 2026:

University Counseling (CAPS)

Most universities (UniMelb, Monash, RMIT, etc.) offer Free Counseling and Psychological Services (CAPS).
- The Perk: You do not need a GP referral or OSHC to use these. They are usually short-term (6–8 sessions) and strictly confidential.
MOST (Digital Mental Health)

In 2026, the MOST (Moderated Online Social Therapy) platform is free for all young people in Victoria.
- What it is: A digital service where you can chat with qualified clinicians and peer workers via an app, specifically designed for students facing stress or anxiety.
Priority Primary Care Centers (PPCC)

For mental health crises that are not life-threatening but need immediate attention, visit a Victorian PPCC. These are 100% free for international students and don't require an appointment.

Waiting Periods

The 12-Month Rule

In 2026, insurers still enforce a 12-month waiting period for pre-existing mental health conditions.
- The Catch: If you had a diagnosis before arriving in Australia, your OSHC might not pay for your psychologist for the first year.
- The Solution: Most university-based counseling services ignore this rule—they will see you for free regardless of your history.
Study
What is Covered by OSHC in 2026?

1. The "Mental Health Care Plan" (MHCP)

To get a rebate for a psychologist, you must first visit a GP to get a Mental Health Care Plan.
- GP Visit: Usually 100% covered (direct-billed) at campus clinics or partner providers.
- The Benefit: In 2026, an MHCP allows you to access up to 10 rebated sessions per calendar year with a registered psychologist.
- The Rebate: OSHC typically covers 85% to 100% of the MBS (government) fee. If a psychologist charges $200 and the MBS fee is $137, your OSHC pays the $137, and you pay the $63 gap.
2. Psychiatrists (Medical Specialists)

Psychiatrists are medical doctors who can prescribe medication.
- Coverage: OSHC covers 85% of the MBS fee for outpatient specialist visits.
- Gap Fees: These can be high (often $100+ per visit). Always ask for a "no-gap" or "student discount" provider through your insurer's app.
3. Hospital Psychiatric Care

If you require admission to a hospital for mental health treatment:
- Public Hospitals: Usually 100% covered with no out-of-pocket costs.
- Private Hospitals: Covered if your insurer has an agreement with that hospital (standard in most 2026 Comprehensive plans).
Where to Find 100% FREE Support

Before spending money on a private psychologist, utilize these zero-cost services available to students in 2026:

University Counseling (CAPS)

Most universities (UniMelb, Monash, RMIT, etc.) offer Free Counseling and Psychological Services (CAPS).
- The Perk: You do not need a GP referral or OSHC to use these. They are usually short-term (6–8 sessions) and strictly confidential.
MOST (Digital Mental Health)

In 2026, the MOST (Moderated Online Social Therapy) platform is free for all young people in Victoria.
- What it is: A digital service where you can chat with qualified clinicians and peer workers via an app, specifically designed for students facing stress or anxiety.
Priority Primary Care Centers (PPCC)

For mental health crises that are not life-threatening but need immediate attention, visit a Victorian PPCC. These are 100% free for international students and don't require an appointment.

Waiting Periods

The 12-Month Rule

In 2026, insurers still enforce a 12-month waiting period for pre-existing mental health conditions.
- The Catch: If you had a diagnosis before arriving in Australia, your OSHC might not pay for your psychologist for the first year.
- The Solution: Most university-based counseling services ignore this rule—they will see you for free regardless of your history.
Work
What is Covered by OSHC in 2026?

1. The "Mental Health Care Plan" (MHCP)

To get a rebate for a psychologist, you must first visit a GP to get a Mental Health Care Plan.
- GP Visit: Usually 100% covered (direct-billed) at campus clinics or partner providers.
- The Benefit: In 2026, an MHCP allows you to access up to 10 rebated sessions per calendar year with a registered psychologist.
- The Rebate: OSHC typically covers 85% to 100% of the MBS (government) fee. If a psychologist charges $200 and the MBS fee is $137, your OSHC pays the $137, and you pay the $63 gap.
2. Psychiatrists (Medical Specialists)

Psychiatrists are medical doctors who can prescribe medication.
- Coverage: OSHC covers 85% of the MBS fee for outpatient specialist visits.
- Gap Fees: These can be high (often $100+ per visit). Always ask for a "no-gap" or "student discount" provider through your insurer's app.
3. Hospital Psychiatric Care

If you require admission to a hospital for mental health treatment:
- Public Hospitals: Usually 100% covered with no out-of-pocket costs.
- Private Hospitals: Covered if your insurer has an agreement with that hospital (standard in most 2026 Comprehensive plans).
Where to Find 100% FREE Support

Before spending money on a private psychologist, utilize these zero-cost services available to students in 2026:

University Counseling (CAPS)

Most universities (UniMelb, Monash, RMIT, etc.) offer Free Counseling and Psychological Services (CAPS).
- The Perk: You do not need a GP referral or OSHC to use these. They are usually short-term (6–8 sessions) and strictly confidential.
MOST (Digital Mental Health)

In 2026, the MOST (Moderated Online Social Therapy) platform is free for all young people in Victoria.
- What it is: A digital service where you can chat with qualified clinicians and peer workers via an app, specifically designed for students facing stress or anxiety.
Priority Primary Care Centers (PPCC)

For mental health crises that are not life-threatening but need immediate attention, visit a Victorian PPCC. These are 100% free for international students and don't require an appointment.

Waiting Periods

The 12-Month Rule

In 2026, insurers still enforce a 12-month waiting period for pre-existing mental health conditions.
- The Catch: If you had a diagnosis before arriving in Australia, your OSHC might not pay for your psychologist for the first year.
- The Solution: Most university-based counseling services ignore this rule—they will see you for free regardless of your history.
Living in Australia
What is Covered by OSHC in 2026?

1. The "Mental Health Care Plan" (MHCP)

To get a rebate for a psychologist, you must first visit a GP to get a Mental Health Care Plan.
- GP Visit: Usually 100% covered (direct-billed) at campus clinics or partner providers.
- The Benefit: In 2026, an MHCP allows you to access up to 10 rebated sessions per calendar year with a registered psychologist.
- The Rebate: OSHC typically covers 85% to 100% of the MBS (government) fee. If a psychologist charges $200 and the MBS fee is $137, your OSHC pays the $137, and you pay the $63 gap.
2. Psychiatrists (Medical Specialists)

Psychiatrists are medical doctors who can prescribe medication.
- Coverage: OSHC covers 85% of the MBS fee for outpatient specialist visits.
- Gap Fees: These can be high (often $100+ per visit). Always ask for a "no-gap" or "student discount" provider through your insurer's app.
3. Hospital Psychiatric Care

If you require admission to a hospital for mental health treatment:
- Public Hospitals: Usually 100% covered with no out-of-pocket costs.
- Private Hospitals: Covered if your insurer has an agreement with that hospital (standard in most 2026 Comprehensive plans).
Where to Find 100% FREE Support

Before spending money on a private psychologist, utilize these zero-cost services available to students in 2026:

University Counseling (CAPS)

Most universities (UniMelb, Monash, RMIT, etc.) offer Free Counseling and Psychological Services (CAPS).
- The Perk: You do not need a GP referral or OSHC to use these. They are usually short-term (6–8 sessions) and strictly confidential.
MOST (Digital Mental Health)

In 2026, the MOST (Moderated Online Social Therapy) platform is free for all young people in Victoria.
- What it is: A digital service where you can chat with qualified clinicians and peer workers via an app, specifically designed for students facing stress or anxiety.
Priority Primary Care Centers (PPCC)

For mental health crises that are not life-threatening but need immediate attention, visit a Victorian PPCC. These are 100% free for international students and don't require an appointment.

Waiting Periods

The 12-Month Rule

In 2026, insurers still enforce a 12-month waiting period for pre-existing mental health conditions.
- The Catch: If you had a diagnosis before arriving in Australia, your OSHC might not pay for your psychologist for the first year.
- The Solution: Most university-based counseling services ignore this rule—they will see you for free regardless of your history.
Travel
What is Covered by OSHC in 2026?

1. The "Mental Health Care Plan" (MHCP)

To get a rebate for a psychologist, you must first visit a GP to get a Mental Health Care Plan.
- GP Visit: Usually 100% covered (direct-billed) at campus clinics or partner providers.
- The Benefit: In 2026, an MHCP allows you to access up to 10 rebated sessions per calendar year with a registered psychologist.
- The Rebate: OSHC typically covers 85% to 100% of the MBS (government) fee. If a psychologist charges $200 and the MBS fee is $137, your OSHC pays the $137, and you pay the $63 gap.
2. Psychiatrists (Medical Specialists)

Psychiatrists are medical doctors who can prescribe medication.
- Coverage: OSHC covers 85% of the MBS fee for outpatient specialist visits.
- Gap Fees: These can be high (often $100+ per visit). Always ask for a "no-gap" or "student discount" provider through your insurer's app.
3. Hospital Psychiatric Care

If you require admission to a hospital for mental health treatment:
- Public Hospitals: Usually 100% covered with no out-of-pocket costs.
- Private Hospitals: Covered if your insurer has an agreement with that hospital (standard in most 2026 Comprehensive plans).
Where to Find 100% FREE Support

Before spending money on a private psychologist, utilize these zero-cost services available to students in 2026:

University Counseling (CAPS)

Most universities (UniMelb, Monash, RMIT, etc.) offer Free Counseling and Psychological Services (CAPS).
- The Perk: You do not need a GP referral or OSHC to use these. They are usually short-term (6–8 sessions) and strictly confidential.
MOST (Digital Mental Health)

In 2026, the MOST (Moderated Online Social Therapy) platform is free for all young people in Victoria.
- What it is: A digital service where you can chat with qualified clinicians and peer workers via an app, specifically designed for students facing stress or anxiety.
Priority Primary Care Centers (PPCC)

For mental health crises that are not life-threatening but need immediate attention, visit a Victorian PPCC. These are 100% free for international students and don't require an appointment.

Waiting Periods

The 12-Month Rule

In 2026, insurers still enforce a 12-month waiting period for pre-existing mental health conditions.
- The Catch: If you had a diagnosis before arriving in Australia, your OSHC might not pay for your psychologist for the first year.
- The Solution: Most university-based counseling services ignore this rule—they will see you for free regardless of your history.
Visa & Immigration
What is Covered by OSHC in 2026?

1. The "Mental Health Care Plan" (MHCP)

To get a rebate for a psychologist, you must first visit a GP to get a Mental Health Care Plan.
- GP Visit: Usually 100% covered (direct-billed) at campus clinics or partner providers.
- The Benefit: In 2026, an MHCP allows you to access up to 10 rebated sessions per calendar year with a registered psychologist.
- The Rebate: OSHC typically covers 85% to 100% of the MBS (government) fee. If a psychologist charges $200 and the MBS fee is $137, your OSHC pays the $137, and you pay the $63 gap.
2. Psychiatrists (Medical Specialists)

Psychiatrists are medical doctors who can prescribe medication.
- Coverage: OSHC covers 85% of the MBS fee for outpatient specialist visits.
- Gap Fees: These can be high (often $100+ per visit). Always ask for a "no-gap" or "student discount" provider through your insurer's app.
3. Hospital Psychiatric Care

If you require admission to a hospital for mental health treatment:
- Public Hospitals: Usually 100% covered with no out-of-pocket costs.
- Private Hospitals: Covered if your insurer has an agreement with that hospital (standard in most 2026 Comprehensive plans).
Where to Find 100% FREE Support

Before spending money on a private psychologist, utilize these zero-cost services available to students in 2026:

University Counseling (CAPS)

Most universities (UniMelb, Monash, RMIT, etc.) offer Free Counseling and Psychological Services (CAPS).
- The Perk: You do not need a GP referral or OSHC to use these. They are usually short-term (6–8 sessions) and strictly confidential.
MOST (Digital Mental Health)

In 2026, the MOST (Moderated Online Social Therapy) platform is free for all young people in Victoria.
- What it is: A digital service where you can chat with qualified clinicians and peer workers via an app, specifically designed for students facing stress or anxiety.
Priority Primary Care Centers (PPCC)

For mental health crises that are not life-threatening but need immediate attention, visit a Victorian PPCC. These are 100% free for international students and don't require an appointment.

Waiting Periods

The 12-Month Rule

In 2026, insurers still enforce a 12-month waiting period for pre-existing mental health conditions.
- The Catch: If you had a diagnosis before arriving in Australia, your OSHC might not pay for your psychologist for the first year.
- The Solution: Most university-based counseling services ignore this rule—they will see you for free regardless of your history.
Parents Hub
What is Covered by OSHC in 2026?

1. The "Mental Health Care Plan" (MHCP)

To get a rebate for a psychologist, you must first visit a GP to get a Mental Health Care Plan.
- GP Visit: Usually 100% covered (direct-billed) at campus clinics or partner providers.
- The Benefit: In 2026, an MHCP allows you to access up to 10 rebated sessions per calendar year with a registered psychologist.
- The Rebate: OSHC typically covers 85% to 100% of the MBS (government) fee. If a psychologist charges $200 and the MBS fee is $137, your OSHC pays the $137, and you pay the $63 gap.
2. Psychiatrists (Medical Specialists)

Psychiatrists are medical doctors who can prescribe medication.
- Coverage: OSHC covers 85% of the MBS fee for outpatient specialist visits.
- Gap Fees: These can be high (often $100+ per visit). Always ask for a "no-gap" or "student discount" provider through your insurer's app.
3. Hospital Psychiatric Care

If you require admission to a hospital for mental health treatment:
- Public Hospitals: Usually 100% covered with no out-of-pocket costs.
- Private Hospitals: Covered if your insurer has an agreement with that hospital (standard in most 2026 Comprehensive plans).
Where to Find 100% FREE Support

Before spending money on a private psychologist, utilize these zero-cost services available to students in 2026:

University Counseling (CAPS)

Most universities (UniMelb, Monash, RMIT, etc.) offer Free Counseling and Psychological Services (CAPS).
- The Perk: You do not need a GP referral or OSHC to use these. They are usually short-term (6–8 sessions) and strictly confidential.
MOST (Digital Mental Health)

In 2026, the MOST (Moderated Online Social Therapy) platform is free for all young people in Victoria.
- What it is: A digital service where you can chat with qualified clinicians and peer workers via an app, specifically designed for students facing stress or anxiety.
Priority Primary Care Centers (PPCC)

For mental health crises that are not life-threatening but need immediate attention, visit a Victorian PPCC. These are 100% free for international students and don't require an appointment.

Waiting Periods

The 12-Month Rule

In 2026, insurers still enforce a 12-month waiting period for pre-existing mental health conditions.
- The Catch: If you had a diagnosis before arriving in Australia, your OSHC might not pay for your psychologist for the first year.
- The Solution: Most university-based counseling services ignore this rule—they will see you for free regardless of your history.
Student Hub
What is Covered by OSHC in 2026?

1. The "Mental Health Care Plan" (MHCP)

To get a rebate for a psychologist, you must first visit a GP to get a Mental Health Care Plan.
- GP Visit: Usually 100% covered (direct-billed) at campus clinics or partner providers.
- The Benefit: In 2026, an MHCP allows you to access up to 10 rebated sessions per calendar year with a registered psychologist.
- The Rebate: OSHC typically covers 85% to 100% of the MBS (government) fee. If a psychologist charges $200 and the MBS fee is $137, your OSHC pays the $137, and you pay the $63 gap.
2. Psychiatrists (Medical Specialists)

Psychiatrists are medical doctors who can prescribe medication.
- Coverage: OSHC covers 85% of the MBS fee for outpatient specialist visits.
- Gap Fees: These can be high (often $100+ per visit). Always ask for a "no-gap" or "student discount" provider through your insurer's app.
3. Hospital Psychiatric Care

If you require admission to a hospital for mental health treatment:
- Public Hospitals: Usually 100% covered with no out-of-pocket costs.
- Private Hospitals: Covered if your insurer has an agreement with that hospital (standard in most 2026 Comprehensive plans).
Where to Find 100% FREE Support

Before spending money on a private psychologist, utilize these zero-cost services available to students in 2026:

University Counseling (CAPS)

Most universities (UniMelb, Monash, RMIT, etc.) offer Free Counseling and Psychological Services (CAPS).
- The Perk: You do not need a GP referral or OSHC to use these. They are usually short-term (6–8 sessions) and strictly confidential.
MOST (Digital Mental Health)

In 2026, the MOST (Moderated Online Social Therapy) platform is free for all young people in Victoria.
- What it is: A digital service where you can chat with qualified clinicians and peer workers via an app, specifically designed for students facing stress or anxiety.
Priority Primary Care Centers (PPCC)

For mental health crises that are not life-threatening but need immediate attention, visit a Victorian PPCC. These are 100% free for international students and don't require an appointment.

Waiting Periods

The 12-Month Rule

In 2026, insurers still enforce a 12-month waiting period for pre-existing mental health conditions.
- The Catch: If you had a diagnosis before arriving in Australia, your OSHC might not pay for your psychologist for the first year.
- The Solution: Most university-based counseling services ignore this rule—they will see you for free regardless of your history.