Medicare rebates apply if referred under a GP Mental Health Plan or by a paediatrician or psychiatrist. If your private health insurance includes psychology then rebates apply. Gap fees are incurred when claiming a Medicare or private health insurance rebate. If you wish to know your private health insurance rebate amount you will need to contact your health fund. You cannot claim a rebate under both Medicare and your private health insurance. Medicare rebates only apply from the date of referral.