Five pathways to session funding.
Most clients access therapy through Medicare's Better Access scheme. Depending on your circumstances, you may also be eligible for rebates or funded sessions through private health insurance, WorkCover Queensland, Victims Assist Queensland, or the Department of Veterans' Affairs (DVA).
Care Plan Most common
After $88.85 Medicare rebate
You'll need
A Mental Health Care Plan and referral from your GP or psychiatrist. Medicare rebates are generally available for up to 10 sessions per calendar year.
rebate Most major insurers
Depending on your level of cover
How it works
Pay the session fee upfront, then submit your receipt to your private health insurer for rebate processing. Coverage varies between funds and policies.
Queensland Approved claims
Subject to WorkCover funding approval
You'll need
A GP or specialist referral and an approved WorkCover claim before sessions can begin.
Queensland Counselling grants
Within approved funding limits
You'll need
An approved Victims Assist counselling grant. In some cases, support agencies may assist with the application process.
Veterans' Affairs (DVA) Eligible veterans & families
For eligible DVA card holders
You'll need
A referral from your GP and eligibility through the Department of Veterans' Affairs. White Card and Gold Card holders may be able to access funded psychological treatment depending on their circumstances.
Session length: Appointments are generally 50 minutes.
A note on bulk-billing: Lumaura Psychology does not offer bulk-billing. Reduced-fee appointments may occasionally be available based on individual circumstances — please get in touch if you'd like to discuss options.
"An MHCP isn't a diagnosis or a label. It's a referral that lets Medicare contribute to your sessions — and it's reviewed by your GP, not us."
How to get a Mental Health Care Plan.
Five steps from a GP visit to claiming your first rebate. Most people complete it in a week.
- 01
Book a longer GP appointment
Ask reception for a 20–40 minute consultation so there's time to discuss your mental health properly.
20–40 minutes - 02
Talk through what's going on
Your GP will ask about your current concerns and history to understand how best to support you.
- 03
Receive your MHCP & referral
If appropriate, your GP, psychiatrist or paediatrician will prepare a Mental Health Care Plan and a referral to a psychologist.
- 04
Send us your referral
Email us a copy or bring it to your first session so we can apply your Medicare rebate.
Email · In person - 05
Book your sessions
Once we have your referral, your rebate is claimed directly through Medicare after each eligible session — usually back in your account within a few days.
Up to 10 rebated sessions / calendar year *(some exceptions)
Life happens. Here's the fair print.
We ask for at least 48 hours' notice (two business days, excluding weekends) so we can offer the time to someone else. If we manage to fill your slot, no fee applies.
Reschedule freely. Two business days or more before your session. No questions asked.
If we can't offer the time to another client.
Includes no-shows. Same rule applies if we can't fill the slot.
Fairness clause
If we're able to fill your appointment time with another client, no cancellation fee will apply — regardless of how much notice you gave.