Access to mental health care is vital — but the way it’s funded can significantly impact the quality and availability of services. In recent years, more experienced psychologists across Australia have stepped away from bulk billing. This shift isn’t about turning people away; it’s about staying sustainable while providing high-quality, personalised care. Here’s why bulk billing is no longer a viable option for many seasoned professionals.

1. Medicare Rebates Don’t Reflect the True Cost of Care

The current Medicare rebate for psychological services often falls short of covering the time, training, and costs associated with delivering therapy. Many experienced psychologists have invested years into their education, supervision, and professional development. Bulk billing simply doesn’t support the financial sustainability needed to continue offering best-practice care.

2. High Demand, Limited Time

Mental health services are in high demand, especially after the pandemic. Experienced psychologists are often booked months in advance. With limited hours in a week, they’re choosing to reserve sessions for those who are able to pay privately — not out of exclusion, but as a way to prevent burnout and preserve the quality of care.

3. Time Outside the Therapy Room Matters

What happens outside of your session — like preparing resources, writing notes, or coordinating with other providers — is often unpaid in a bulk billing model. Experienced psychologists know that good therapy extends beyond the 50-minute session. Charging privately allows them to offer thoughtful, well-rounded care without cutting corners.

4. Supporting Therapist Wellbeing Means Better Client Care

Burnout is real in the mental health field. When psychologists are underpaid and overworked, their own wellbeing suffers — and so does the care they can provide. Charging a fair fee allows therapists to maintain their own mental health, seek supervision, and continue developing their skills, which directly benefits clients.

5. The System Needs Reform — But Clients Still Need Support

The Medicare system was designed to improve access to care, but without regular review and funding increases, it’s become harder for experienced clinicians to participate. Until broader reform happens, private billing is a practical solution. Many practices, like Therapy from Home, still offer payment plans and accessible session times to make private therapy as approachable as possible. 

Final Thoughts

At Therapy from Home, we understand the frustration and confusion around bulk billing. Our focus is on providing high-quality, ethical, and compassionate care that supports both our clients and our clinicians. While we don’t offer bulk billing, we do offer clarity, experience, and commitment — because you deserve therapy that’s sustainable, supportive, and deeply human.