Rebates for osteopath treatments

Written by Care To Compare

Private health insurance can provide rebates in addition to the rebates you might be eligible for from a range of government agencies.

Private health insurance and OSTEOPATHY

Osteopathy rebates are generally available under Extras Cover. The benefits available will depend on your level of cover and may have an annual cap.

Some health funds offer better osteopathy benefits than others.

Some osteopath benefits may be combined with other services like chiropractic and physiotherapy under an annual cap.

Here are some things to think about when you buy or review your private health insurance:

  • Who needs cover? Is it for you, your partner or your family?
  • What type cover do you want?  Extras only Cover (to cover osteopathy), Hospital Cover or both Hospital and Extras Cover?
  • What benefits are included? Our team can help you compare policies side by side so you know what benefits are included.

When you see an osteopath as a private patient there may be a gap payment. A gap payment is the difference between what your health fund will cover and the fee charged by your osteopath. Your osteopath has no control over what rebate your health fund will provide.

If you need some help to figure out the best health insurance with psychology benefits or psychiatric services please contact our team on 1300 76 76 00.


Medicare rebates for osteopathic services are available for patients with a Chronic Disease Management (CDM) plan. The governments CDM program enables a doctors (a General Practitioner) to refer patients with a CDM plan for up to 5 allied health professional consultations in a calendar year.

Your doctor needs to facilitate the referral to an osteopath as part of your CDM plan. Your doctor will decide if you would benefit from osteopathy as part of your plan.

If eligible, your osteopath will provide regular reports back to your doctor so they can review and revise your overall CDM plan.


If you are an NDIS client that self-manage an individualised funding package you need to consult your case manager to see if osteopathic services can be paid for with you package funds.


If you are injured at work you may be eligible to see an osteopath who can provide workplace injury management services throughout Australia. For example, following a referral from your doctor (a general practitioner) your case manager may approve a rebate for treatments provided by an osteopath. This can include when you have been injured at work and have issues affecting your bones, muscles or joints.


Australian Veterans can access services provided by osteopaths.

Your doctor will need to provide a referral to access Department of Veterans Affairs services.

The Department of Veterans Affairs also advises that people may be able to receive osteopathic services if they have a clinical need and either a Veteran Gold Card or White Veteran Card and your treatment is for an accepted service-related condition.


For people injured in a motor vehicle accident you may be able to access osteopathic treatments through Compulsory Third Party arrangements in each Australia state and territory.

Osteopaths are eligible practitioners in each state and territory motor accident scheme. It means you can consult an osteopath if you have been injured in a motor vehicle, have a neurological or musculoskeletal injury (i.e., an injury to your bones, muscles, joints, tendons or nerves) and are approved to receive rebated or paid treatments for your injury by your claim case manager.

In general, you will need a referral from a General Practitioner (GP) to see an osteopath for a motor vehicle accident unless your case manager has exempted you from needing a referral. In approving consultations with an osteopath, your claim case manager may ask if a General Practitioner has referred you.


Our team can help you find a health insurance plan with osteopath benefits to meet your needs.

When you compare and buy health insurance through us we donate 100% of our profits to charity.

What mental health treatment is covered by Medicare and private health insurance?

Written by Care To Compare

Australians are becoming more aware of their own mental health needs and the needs of their family and friends. A great range of support services are available with or without private health insurance.

If you or someone you know lives with a mental illness a Medicare rebate to cover part of the cost of your appointments with a psychologist might be available.

Does private health insurance cover mental health?

Private health insurance can provide additional support in addition to the rebates you are entitled to from Medicare. It can help you with:

  • In-patient or Psychiatric care generally covers treatment in a private hospital. A Gold level of hospital cover is required for this, there may be a two-month waiting period, but you may be eligible to have this waived.
  • Out-patient or Mental Health care generally covers psychological therapy when or if you are no longer eligible to claim this service with Medicare.

If you need some help to figure out the best health insurance with psychology benefits or psychiatric services please contact our team on 1300 76 76 00.

What is the mental health waiver?

The mental health waiver enables a person with limited hospital cover to upgrade their level of cover so they can access in-hospital psychiatric services without needing to serve the usual 2 month waiting period. Currently, this exemption can only be accessed by each person once in their lifetime.

Generally, you must have served an initial two month waiting period for any psychiatric benefits. Ask our team or your health insurer for the specific details that apply to your cover.


When you speak to your preferred doctor they can help coordinate the treatment of mild mental health issues by providing practical advice, referring you to a psychologist or prescribing medication. They may refer you to a psychiatrist. Your doctor may develop a Mental Health Treatment Plan specifically for you. This can provide up to 10 sessions with a mental health specialist subsidised by Medicare. This initiative is known as Better Access.

What public support is available? provides free online mental health services for young people and their parents in Australia.

If you or someone you know needs help please contact Lifeline on 13 11 14.


If you or someone you know lives with a mental illness, a Medicare rebate to cover part of the cost of your appointments with a psychologist might be available.

Care To Compare proudly supports ReachOut.Com