Funding — Private Health
Claim your private health insurance rebates for mental health support
Private health insurance rebates may be available depending on your insurer and level of extras cover. We recommend confirming with your health fund that an Accredited Mental Health Social Worker (AMHSW) is included under your policy.
Using your extras cover for therapy
Many private health insurance policies include mental health support under their extras cover. If your policy covers services provided by an Accredited Mental Health Social Worker (AMHSW), you may be eligible to claim a rebate on your sessions at Nautical Minds Fraser Coast.
Rebate amounts vary depending on your insurer, your level of cover, and the number of sessions you have already claimed in the calendar year. We recommend contacting your health fund directly before booking to confirm your eligibility and the rebate amount you can expect.
What is an Accredited Mental Health Social Worker?
An Accredited Mental Health Social Worker (AMHSW) is a qualified social worker who has completed advanced training and supervised post-qualifying practice in mental health, and meets the accreditation requirements of the Australian Association of Social Workers (AASW). AMHSWs are recognised providers under Medicare, DVA, and many private health insurance funds.
When checking your cover, ask your health fund specifically whether AMHSW services are included under your extras policy — not just general counselling or psychology. The distinction matters for rebate eligibility.
AASW private health fund informationRecognised health funds
Nautical Minds Fraser Coast is recognised by a variety of private health insurers including:
This list reflects current recognition at the time of publication. If your fund is not listed, please contact us — we may still be able to assist, or help you understand your options.
How rebates work in practice
Check your policy
Contact your health fund and confirm that AMHSW services are covered under your extras. Ask about the rebate amount per session and any annual limits that apply.
Book your session
Book your appointment at Nautical Minds Fraser Coast. Let us know you intend to claim through private health so we can ensure your invoice is correctly itemised.
Pay at the time of your session
Payment is due at the time of your appointment. We will provide you with a receipt that includes the information your health fund requires to process your claim.
Claim your rebate
Submit your claim to your health fund using the receipt provided. Most funds allow you to claim online, via their app, or at a branch. Rebates are typically processed within a few business days.
Common questions
Not sure which funding option suits you?
We are happy to talk through your options before you book. Whether it is Medicare, private health, DVA, NDIS, or out-of-pocket, we can help you understand what is available.