Transcript
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A listener production, Welcome to another solo episode of Crapy
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or Happy. Today, I'm answering a question that was put
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to me recently, which is, how do you shop for
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a psychologist? And I thought, well, that's an interesting question,
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and I know many people probably wonder the same thing,
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and I thought this would be really easy. I'll be
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able to answer this really quickly, and then I realized
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it maybe there's kind of layers to the question. So
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what I want to share today is, I guess, first
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of all, if you're shopping for somebody to help you
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with a mental health condition, if you're struggling, the difference
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between a psychologist and a counselor or a social worker.
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So just briefly, I will cover off that, and then
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how do you go about finding somebody who is a
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good fit for you? And what might be some of
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the things to look for when you're looking for a psychologist.
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I also will just run through quickly what the current
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process is for making an appointment and what is available
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in terms of Medicare rebates at the time of recording,
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this is May twenty twenty three. So first of all,
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a lot of people will ask what's the difference between
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a counselor or a psychologist, or even a psychiatrist or
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a social worker. Psychologists have a minimum of a four
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year degree. They're trained in all aspects of mental health disorders,
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how the brain works, the biological basis, the history of
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psychology as a profession, some counseling skills, neuroscience, that kind
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of thing. Not all psychologists choose to do therapy. Some
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psychologists contribute to research, like they choose to do research
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work or stay in academic work, or they might do
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organizational work. They don't necessarily go down that path of
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doing therapeutic work. Often they will also have an additional
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two year master's degree. Some now who have maybe been
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registered for a while don't have a two year masters
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but they may have done a two year period of supervision,
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so they've all had some kind of training for at
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least six years if they're working with clients. Generally, psychologists
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are not medical doctors. They can't prescribe medication, so that
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is the key difference between a psychologist and a psychiatrist.
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A psychiatrist is a medical doctor who has chosen to
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specialize in mental health. So a psychiatrist will also a
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sense and diagnose and treat mental health conditions, but they
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also can dispense medication, and as I mentioned in a
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previous episode, oftentimes if you're working with a therapist, for example,
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if you're working with a psychologist, they may refer you
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onto a psychiatrist for something that's a little more complex,
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or if you need to have your medication reviewed. Over
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the years, I've referred many of my clients in private
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psychology practice to a psychiatrist because they've had a hard
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time adjusting to different types of medication, and sometimes a
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psychiatrist is best placed to really look into what's going
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on there. So the difference between a psychologist who offers
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counseling services and somebody who is just called a counselor,
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is that a counselor can have, Like there can be
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loads of different pathways to becoming a counselor different types
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of courses they could have studied. I mean, I know
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people who've done twelve week kind of certificate course and
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are calling themselves some form of counselor. Other people have
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got really extensive training and qualifications. It's not as clear
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like you would have to look into what a particular
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counselor's qualifications are. I mean, even somebody in a church
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doing voluntary sort of pastoral care work can call themselves
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a counselor. I mean usually these days, I think you'd
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probably have a minimum of some kind of basic training
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and a certificate level qualification. But it varies, is all
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I'm saying. It's not as cut and dried psychotherapy is.
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You know, there are psychologists who are trained in psychotherapy,
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or there are people who simply study kind of psychotherapy,
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and that's kind of a different approach to therapy, which
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is often very long, very intensive, often one or two
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sessions a week over several years. It's really like digging
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into your childhood and uncovering stuff from your subconscious, very
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kind of Freudian. Some people get a lot of value
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out of that if they can afford to do that,
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because that's a long, expensive process, whereas seeing a psychologist
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tends to be more of a relatively intended to be
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short sharp address a problem. Experiencing depression, you're experiencing anxiety,
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you're struggling with something. Maybe you have a diagnosis of
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something more complex, of bipolar disorder or some sort of
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personality issue or substance use, or even just relationship issues
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workplace stress, and you kind of referred for that particular problem,
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and there's a course of treatment over a number of
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sessions to specifically address that problem. Having said that, I
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have had clients of mine who I have continued to
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see for many, many years. There are limits to what
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medicare will pay for or what it will rebate, but
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once there is a relationship established, often that relationship can
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be quite long lasting if there is a good relationship formed.
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So a psychologist aims to assess, diagnose, provisionally, diagnose, and
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treat mental health disorders as listed in the DSM five,
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which is the Diagnostic and Statistical Manual of Mental Health Disorders.
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Even under the umbrella of psychologists, there is a distinction
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between clinical psychologists and psychologists who have endorsements in other
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areas of psychology. Now this gets a little controversial because
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often the training is very similar, if not the same.
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There are people who have loads of experience and who
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are highly qualified, but who haven't necessarily studied gone down
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that path of doing a master's in clinical psychology, or
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who have chosen not to get an endorsement in that area,
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and there is a differential in the amount of Medicare
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rebate available between a clinical psychologist and other kinds of psychologists. Now,
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many would argue that there should not be a differential
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because the service being offered most of the time is
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the same. You can be a very effective practicing psychologist,
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and you might have an endorsement as a clinical psychologist,
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you might have a health psychologist some other educational psychologist,
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and your service that you offer and the treatment that
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you offer can be just as good as anybody with
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a clinical psychology master's degree, which is what I have.
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And to be completely transparent, the reason that I got
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a clinical master's degree when I actually originally enrolled in
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a health psychology masters and then I transferred at the
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first available opportunity into clinical because I knew that the
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Medicare rebate was much higher and that that would be
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an incentive for people to choose me over potentially another psychologist.
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And I'm lucky that I had that option available to me.
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And I'm not saying it's fair or it's right, but
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when lots of other psychologists have got the same level
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of training and experience and qualification, but that is the
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way it is currently under the Medicare system in Australia.
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So as my background is psychology, then I am going
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to talk to well, how do you find a psychologist?
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If you're shopping around for a psychologist, how do you
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go about that? It's a tricky one because what have
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you got? You've got Google, It's really hard to know
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what it is you're looking for. I mean, obviously the
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first issues that people look for are accessibility, like who's
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close by to me? And what do people charge and
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what do they specialize in. Generally speaking, any privately practicing
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psychologists will usually be able to deal with like the
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broad spectrum of the typical things that present in a
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private practice. So you know, it's often said anxiety and
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depression are the bread and butter of privately practicing psychologists.
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Workplace stress, relationship issues, addiction issues when I say addiction
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in a substance misuse kind of issues, parenting struggles, all
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of the general sort of psychological and emotional issues that
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we frequently deal with that we all experience from time
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to time. Most psychologists will be trained to help you
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with those things, and their approach might be a little different.
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So I'm going to talk about that just in a second.
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Oftentimes your GP will have a list or will have
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somebody that they refer to. But having said that, oftentimes
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a GP won't have a list. They will say to you,
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you find somebody and you bring me name, and I'll
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write the referral. What I found in my experience is
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that when a GP referred to me, even if they'd
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never heard of me, say a patient specifically asked to
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see me, or because they had a recommendation by a friend,
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Like as soon as I was able to establish a
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relationship with that GP and provide them with reports and
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feedback and the patient was able to go back and
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offer some good, positive feedback about what we were working
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on and how it was going for them, then often
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that GP would then continue to refer to me. So
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it just says to me that when they find somebody,
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when they develop that relationship and they know that they
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can reliably refer to somebody who's going to provide a
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good service, and they will often just continue to refer
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to that person. So your GP may well have relationships
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with psychologists. Some GP practices also have a psychologist in
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the practice, so it makes it very easy and very accessible.
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The reason I'm talking about getting a referral from a
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GP is that is currently the only way that you
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can gain a Medicare rebate for your sessions with a
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psychologist and social workers. You can submit claims to Medicare
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and get a rebate on some of your fee, reducing
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your out of pocket expenses. I think it's really important
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to make the point here because this is something that
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is so often misunderstood. If you have a referral from
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a GP to see a psychologist, if you have a
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mental health care plan from your GP, it doesn't mean
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the psychology is free. It is a rebate. So some psychologists,
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just like some gps, may give you the opportunity to
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bulk bill, particularly if you're having a hard time financially.
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They might have certain criteria where they will simply accept
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the Medicare component so the Medicare rebate and you don't
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have to pay any gap. Most psychologists can't afford to
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do that. Most psychologists will normally need to charge something
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on top of the Medicare component, and that is your
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out of pocket expense. For example, currently the Medicare rebate
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for a clinical psychologist it's just been recently increased to
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one hundred and thirty one dollars and sixty five cents,
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so that psychologist may be charging you one eighty two
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hundred to twenty to fifty. They'll set their own fee.
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You pay them the fee you submit the claim to Medicare,
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and Medicare will rebate you will reimburse you one hundred
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and thirty one dollars and sixty five cents. If the
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psychologist that you're seeing is a generally registered psychologist, so
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then not clinical, they don't have a clinical endorsement, then
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the Medicare rebate currently available is eighty nine dollars and
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sixty five cents, So again their fee might be one fifty, one,
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eighty two hundred, whatever. The amount that you can climb
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back from Medicare is eighty nine dollars and sixty five cents,
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and you can claim back seventy nine dollars and five
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cents for a session with a social worker. I'm not
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a social worker, so I can't speak to that profession,
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but I can tell you that you can claim a
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Medicare depending on their endorsements and their qualifications. There is
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also a limit to how many sessions you can claim
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the Medicare rebate for, so currently it's ten sessions per
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calendar year. Now, most people would argue that that's not
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really enough. Unfortunately, when psychology services were first included in
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the Medicare scheme under the Better Access Program, there were
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twelve sessions available per calendar year, with the option to
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then put in a request for an additional six under
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exceptional circumstances. So there were eighteen sessions available. Long story short,
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over time, it's been cut, and it's been cut, and
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it's back to ten and there are no exceptional circumstances.
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During COVID, they temporarily increased it to twenty sessions, so
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you could claim a Medicare rebate for twenty sessions per
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calendar year. In twenty twenty three, that has been scaled
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back again to ten, so that is per calendar year.
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This means that if you get a referral from your
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GP to see a psychologist and it's February, you've got
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ten sessions that you can claim a rebate for through
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until the end of December that year. If you get
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your and then your ten starts again from January the
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following year, that referral stays valid and you can start
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again with another ten sessions the next calendar year. If
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you get your referral in October, then lucky you, you
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only have to use up those ten sessions by December
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and again. Then in the new calendar year, your ten
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available sessions starts again. In order to claim a Medicare rebate,
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you must have a referral from your GP and a
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mental health care plan. It's simply a treatment plan put
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together between you and your GP where you agree that
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you're going to see a psychologist and the psychologist is
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going to report back to the GP about your progress.
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If you have a mental health care plan from a GP,
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you are eligible for a Medicare rebate. There is nothing
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to stop you from calling up any psychologist in private
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practice and making an appointment directly if you choose not
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to see your GP, and if you're happy to pay
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the full fe and not claim a Medicare rebate, and
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some people, for privacy reasons, will choose to do that,
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and you are within your right to just call up
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and make an appointment. In many cases, private health funds
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will also cover some of your fees. You cannot claim
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a private health fund rebate and a Medicare rebate for
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the same session. But what has happened with some of