Some private medical insurance policies may contribute to therapy costs, but cover, referral, authorisation, practitioner criteria, payment and reimbursement rules are policy specific. Confirm the route for your own policy in writing before booking. A clinical assessment separately considers whether a service is appropriate for you. Private medical insurance and a health cash plan are different arrangements. A policy may contain a mental health related benefit, but neither product should be assumed to fund therapy, use one standard route or accept every clinician. Ask the provider whether your own policy includes a relevant benefit, whether it requires a referral, triage, pre authorisation or other information, which clinician criteria apply, and how payment, any limit, excess, co payment or review point works. Insurance criteria and clinical suitability are not interchangeable. A provider decides benefits under a policy. A clinician separately assesses whether a service is appropriate, including the relevance, pace and safety of any psychological approach. This guide is general education, not a coverage decision, financial advice, legal advice or a substitute for clinical assessment.