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4 min read · Reviewed September 2026

How many therapy sessions will I need?

Three things set the number: what your referral covers, the calendar-year limit, and clinical need. Only the third one is about you.

In short

There is no fixed number. Under Medicare, an initial referral covers a maximum of six sessions and the calendar-year limit is ten individual sessions. Within that, the number you actually need is agreed with your psychologist at the first appointment, once the problem is understood, and reviewed as treatment progresses.

What the funding allows

Medicare sets two boundaries. The first is the course of treatment: a maximum of six individual sessions on an initial referral, after which your GP reviews the plan and can refer you for more. The second is the annual cap: ten individual services per calendar year, plus up to ten group services.

Neither number is a clinical recommendation. They govern what is subsidised, not what treatment requires.

What treatment requires

We agree the likely number of sessions with you at the first appointment, once we understand what is happening, and set a review point rather than committing you to an open-ended course. For some presentations a focused block of work is enough; for others — long-standing trauma, complex or recurring difficulties — a longer course is realistic, and we will say so early rather than late.

Frequency matters as much as the total. Sessions usually start weekly or fortnightly while skills are being built, then space out as things stabilise.

If you need more than ten

You can continue privately once the Medicare-funded sessions for the year are used, and private health extras cover may apply at that point. The annual allocation resets on 1 January. If sessions on a current referral are unused at the end of December, they can still be used, but they count towards the new year's ten.

Ending well

Finishing therapy is a piece of work in itself: identifying what changed, what maintains it, and what to do if symptoms return. We plan that rather than letting it drift, and a written report goes to your referring GP at the end of each course of treatment so your care stays joined up.

This article is general information, not psychological advice, and it cannot account for your circumstances. Medicare amounts and rules change — the sources listed are the authoritative versions. If you are in crisis, call Lifeline on 13 11 14, or 000 in an emergency.

Common questions

How many sessions does Medicare cover in a year?

Up to 10 individual and 10 group mental health treatment services per calendar year, from 1 January to 31 December.

Why does my referral only say six sessions?

An initial course of treatment is capped at six individual services. Your GP reviews your plan after that and can refer you for the remaining sessions up to the annual limit.

Can I keep seeing my psychologist after ten sessions?

Yes. Further sessions are funded privately, and private health extras cover may apply. The Medicare allocation resets on 1 January.