Affordable Therapy Without a Medicare Rebate
Individual therapy with Bridget Kosmas, our provisional psychologist, in St Kilda, Melbourne. From $165 per session. No Medicare rebate or GP referral required, so you can start sooner if a Mental Health Care Plan isn't an option for you.
IS THIS FOR YOU
Support that doesn't depend on Medicare.
Medicare rebates work well for many people, but not everyone can access one. This option exists for clients who need therapy without that requirement.
You don't have a Mental Health Care Plan
A Medicare rebate requires a valid Mental Health Care Plan from a GP. If you haven't seen a GP, don't want to, or simply want to start sooner, you can book with Bridget directly.
You've already used your 10 rebated sessions this year
Medicare rebates are capped at 10 sessions per calendar year. If you've reached that limit and still want support, a provisional psychologist session is a lower-cost way to continue.
You're not eligible for a Medicare rebate
International students, some visa holders, and other non-Medicare-eligible clients can still access the same evidence-based therapy, at a lower session fee than a registered psychologist.
UNDERSTANDING PROVISIONAL REGISTRATION
Same clinical training, a different Medicare category.
A provisional psychologist has completed a postgraduate psychology qualification and holds AHPRA registration, and is working through a supervised period of practice on the way to general registration. It is an administrative distinction, not a difference in training or the standard of care.
Bridget holds a Master of Professional Psychology from La Trobe University and practises under the direct supervision of Claudia Hounslow, our Director and a board-approved supervisor. She draws on the same evidence-based frameworks used across our team, including Cognitive Behavioural Therapy, Acceptance and Commitment Therapy, and mindfulness-based approaches.
The one practical difference is Medicare. Rebates are only available with registered psychologists, which is why Bridget's session fee is set lower than our registered psychologists, to keep therapy genuinely accessible either way.
WHAT BRIDGET HELPS WITH
Anxiety and depression
Work-related concerns
Life transitions
Adjustment disorders
Trauma and attachment difficulties
Emotion regulation
Stress management
Self-esteem and resilience
Bridget is also part of our ADHD assessment team. Learn more about ADHD assessment.
TRANSPARENT PRICING
Lower fees, on purpose.
If you don't have a valid Mental Health Care Plan or aren't eligible for a Medicare rebate, a registered psychologist session costs $260.30 before 4pm or $270.45 after. With Bridget, the fee is $165 before 4pm or $175 after, a saving of roughly $95 per session.
No Medicare rebate applies to sessions with a provisional psychologist, and we do not offer bulk billing. The fee you see is the fee you pay, with no gap calculation or paperwork.
YOUR PSYCHOLOGIST
Meet Bridget Kosmas.
Bridget Kosmas
Provisional Psychologist
Bridget is a Provisional Psychologist with a Master of Professional Psychology from La Trobe University. She is passionate about creating a safe, supportive and welcoming environment, where clients can explore their experiences and challenges without judgment. Bridget takes a collaborative approach to therapy, supporting clients to develop insight, clarify their goals, and move toward meaningful and lasting change.
She takes a flexible and integrative approach, drawing from evidence-based frameworks including Cognitive Behavioural Therapy, Acceptance and Commitment Therapy, and mindfulness-based approaches, and practises under the supervision of Claudia Hounslow, a board-approved supervisor.
Read Bridget's full profileFREQUENTLY ASKED QUESTIONS
Common questions about provisional psychologist sessions.
A provisional psychologist holds a postgraduate psychology qualification and is registered with AHPRA, completing a supervised period of practice on the way to general registration. Bridget holds a Master of Professional Psychology from La Trobe University and practises under the supervision of Claudia Hounslow, a board-approved supervisor and our Director.
Bridget provides the same evidence-based therapy as our registered psychologists, drawing on Cognitive Behavioural Therapy, Acceptance and Commitment Therapy, and mindfulness-based approaches. The distinction is entirely administrative: provisional registration means her supervised practice hours are still being finalised, not that her clinical training or the quality of care differs. Her work is directly overseen by a board-approved supervisor.
Medicare rebates for psychology sessions are only available with registered (not provisional) psychologists under a valid Mental Health Care Plan. This is a Medicare eligibility rule, not something we can change. It is also why Bridget's session fee is lower than our registered psychologists, to keep therapy accessible for clients who cannot access a rebate either way.
Yes. No referral is required to book with Bridget. You can book directly and start sooner than the Mental Health Care Plan process would otherwise allow.
Yes. Once your 10 rebated sessions are used, many clients choose to continue with Bridget at the lower provisional psychologist fee rather than pay the full registered psychologist rate for the rest of the year.
Bridget's clinical interests include anxiety, depression, workplace difficulties, life transitions, trauma and adjustment disorders, emotion regulation, stress management, and self-esteem and identity concerns. She also supports ADHD assessments as part of our assessment team.
Yes. Bridget sees clients both in person at our St Kilda clinic and via secure telehealth, on Tuesdays and Wednesdays.
Sessions with Bridget are $165 before 4pm and $175 at or after 4pm. This applies to every session, with no Medicare rebate available. We do not offer bulk billing.
Ready to book, no Medicare needed?
Book directly with Bridget. No GP referral required. Appointments available in St Kilda and via telehealth across Australia, Tuesdays and Wednesdays.
We do not offer crisis services or emergency mental health support. If you or someone you know requires urgent support, please call Lifeline on 13 11 14 or attend your nearest emergency department.
Provisional psychologist sessions available in St Kilda and surrounding suburbs including South Melbourne, Southbank, East Melbourne, Port Melbourne, Albert Park, Middle Park, Richmond, Cremorne, South Yarra, Hawksburn, Prahran, Windsor, Balaclava, Elwood, Ripponlea, Toorak, Armadale, Hawthorn, Kooyong, Glen Iris, Malvern, Malvern East, Caulfield North, Caulfield, Elsternwick, Gardenvale, Brighton East, and Brighton.