Anchor Your Life Counselling - Debra Bra

Counselling Fees



Below you will find information about our Counselling Fees, Medicare and Private Health Insurance



Making the decision to go on the Mental Health Care Plan should be made with knowledge in hand.  The below information aims to help you make the decision that is right for you.  What you need to know about the MHCP:


  1. The MHCP entitles you to a Medicare rebate equivalent to the amount of approximately $87.45, as at 2019-2020, and The Australian Psychological Society (APS) recommends Psychologists charge $260 per 45-60 minute session for individuals, however, Psychologists can set their own fees.  The difference between what the Psychologists charge and the Medicare rebate is the gap payment liable by the client. 

  2. Wait times for appointments have been found to be anywhere from 6 weeks to 3 months.  

  3. Medicare stipulates what therapy can be used under the MHCP and clients can only be worked with under this direction. 

  4. For relationship/marriage counselling, as there is no Medicare Rebate available, the full amount must be paid by the client.  Relationship therapy requires specific relationship training and GP referrals are not always made with this in mind.  Fees with Psychologists have been found to be upwards of $290, which is out of pocket to clients.

  5. To be placed on the MHCP a diagnosis of a mental illness is required which is permanently stored with Medicare and for up to 10 years on your medical records.  This information can be accessed by insurance providers and government/private employment sectors for insurance and employment applications, which may have negative implications for clients.

For some, the MHCP may be helpful.  Should you feel this is not the option you wish to choose for yourself, or your child, it may be better to seek professional support privately, without a Mental Health Care Plan.  


Counselling services with Anchoring Your Life Counselling are offered without the need for a Mental Health Care Plan.  What you need to know about Anchoring Your Life Counselling:

  1. Full fees for individual sessions start from $55, often cheaper than the gap payment payable with a MHCP. 

  2. The wait time for an appointment is 1-2 weeks depending on the times you are available.  

  3. Therapies used are varied and integrated to suit the needs of the client at the time.

  4.  Full fees for relationship sessions start from $125 and specialist relationship training in Gottman couples therapy is used. 

  5. As information is held privately there is no risk of this being accessed by insurance companies or employers.  It is normal to experience all sorts of difficult emotions when you are faced with challenging life experiences, this does not mean you require a 'mental illness' diagnosis.  You will be provided with therapy based on your presenting needs.

To find a suitable session and time, book here.



Depending on your private health scheme, you may be eligible for a rebate under Private Health Insurance.    If you are using Private Health Insurance the rebate amount will depend on your particular fund and your level of cover.  Please check with your Provider to determine what you may be entitled to.  Private Health Insurance Providers currently offered by Anchoring Your Life Counselling:

  • Medibank Private

  • ahm

  • Police Health Fund

  • Emergency Services Health

  • St Lukes Health

  • Phoenix Health Fund

  • Doctors Health Fund

  • GU Health.


If you are a NDIS participant with the 'Improved Daily Living' category in your plan and are Self or Plan Managed, you may use your funds for Therapeutic Support and access Anchoring Your Life Counselling services with no Gap Payment.  These services are offered at $125 per hour, well below the recommended NDIS rate of $152.95 per hour, to ensure your funds go further.  I am the holder of the following:

  • Blue Card (working with children)

  • Yellow Card (disability worker screening clearance)

  • First Aid certified

  • CPR certified.

Cleveland, QLD, 4163

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Anchoring Your Life Counselling - Debra Bra
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