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At Palms Physiotherapy & Allied Health, we’re dedicated to helping you achieve your goals, whether it’s improving daily function, enhancing your independence, or managing long-term conditions. If you're on a Medicare Care Plan (Team Care Arrangement - TCA), you can access occupational therapy (OT) services, but it’s important to understand how billing options may impact your treatment.
This page outlines the pros and cons of bulk billing for occupational therapy and explains why some clinics, including ours, offer both bulk-billed and gap-fee options. Our goal is to help you make an informed decision that best supports your therapy needs.
What is Bulk Billing for Occupational Therapy?
Bulk billing allows us to bill Medicare directly for your OT sessions, which means there are no out-of-pocket costs for you. With a Medicare Care Plan, you are eligible for up to five sessions per year, with Medicare reimbursing $60.35 per session.
No Out-of-Pocket Expenses:
Bulk billing makes occupational therapy accessible for those who cannot afford to pay out of pocket. This is particularly beneficial for people managing multiple health conditions or those with complex care needs.
Essential OT Services Covered:
Basic occupational therapy services, such as home safety assessments or recommendations for assistive devices, can still be provided under bulk billing, helping patients access critical support without financial burden.
Shorter Session Length:
Medicare’s rebate of $60.35 is insufficient to cover longer sessions, which means bulk-billed OT appointments are often limited to around 20 minutes. This is typically too short for comprehensive assessments or detailed therapy interventions, especially for patients with complex needs.
Evidence-Based Fact: Research has shown that occupational therapy sessions of 30 to 45 minutes are more effective for functional rehabilitation, home modifications, and activity planning for patients with neurological conditions or disabilities. Shorter sessions may not allow time for these in-depth interventions, which can compromise outcomes.
Limited Scope of Therapy:
Shorter, bulk-billed sessions often focus on addressing the most immediate concerns, leaving little time for comprehensive therapy plans that address long-term functional goals. This can be a particular challenge for patients with complex or chronic conditions such as Autism Spectrum Disorder (ASD), Stroke Recovery, or Traumatic Brain Injury (TBI).
Sustainability for Clinics and Therapists:
Bulk-billed occupational therapy sessions offer low reimbursement rates, making it difficult to sustain longer or more in-depth sessions. Providing high-quality, personalized care under this model may result in occupational therapists being underpaid, which can ultimately affect the level of care they are able to provide.
While bulk billing is an accessible option for many, it comes with limitations. At Palms Physiotherapy & Allied Health, we offer the option to pay a gap fee to access longer, more in-depth occupational therapy sessions, which provide significant benefits for certain conditions.
Longer Sessions (30-45 minutes):
Gap-fee sessions allow for more extended, 30-45 minute appointments, giving your therapist ample time to conduct a thorough assessment and implement personalized strategies. This is particularly beneficial for those with complex needs, such as developmental delays, sensory processing issues, or post-stroke rehabilitation.
Evidence-Based Fact: Studies show that patients with chronic conditions, disabilities, or cognitive impairments benefit from longer OT sessions, as these provide time for comprehensive assessments, functional activity training, and therapeutic interventions that can lead to lasting improvements in independence and quality of life.
Holistic and Tailored Treatment:
With additional time, our occupational therapists can develop more detailed care plans, which may include sensory integration therapy, cognitive training, or functional rehabilitation strategies. This personalized approach ensures that therapy addresses both the short-term and long-term goals important to each patient.
Fair Compensation for Skilled Care:
Paying a gap fee ensures that our occupational therapists are fairly compensated for their expertise and the time they spend delivering personalized care. This helps sustain our practice and allows us to offer longer consultations, ensuring that your therapy experience is as thorough and beneficial as possible.
At Palms Physiotherapy & Allied Health, we understand that every patient’s situation is unique. That’s why we offer both bulk-billed and gap-fee options for occupational therapy consults to give you flexibility in how you access care:
Bulk Billing: For those who require quick, essential occupational therapy services, we offer bulk-billed 20-minute sessions. These are suitable for simple assessments, recommendations, and check-ups.
Gap-Fee Sessions: For more complex cases or patients who require more comprehensive care, we offer 30-45 minute consultations with a small gap fee. These longer sessions allow for a more in-depth and tailored approach to help you achieve your functional goals.
20-minute sessions (bulk billing):
Ideal for brief check-ins, follow-up sessions, or simple assessments, such as evaluating the need for assistive devices.
May not provide enough time to explore all aspects of complex conditions, such as cognitive impairments, fine motor challenges, or the need for adaptive equipment in daily living.
30-45-60 minute sessions (gap fee):
Offers sufficient time for detailed assessments and the development of tailored intervention plans, such as home modifications, sensory integration therapy, or rehabilitation strategies for patients recovering from stroke or managing conditions like Multiple Sclerosis (MS).
Allows for more thorough intervention, improving the quality of care and leading to better patient outcomes. In particular, it provides time for education and the implementation of self-management strategies that are crucial for long-term success.
The decision between bulk-billed and gap-fee sessions depends on your therapy goals, condition complexity, and financial situation. While bulk-billing offers no out-of-pocket costs, paying a gap fee ensures longer, more comprehensive sessions that can help you reach your therapy goals faster and more effectively.
We’re here to help you navigate this decision and choose the best option for your needs. Whether you choose bulk-billed or gap-fee sessions, our occupational therapists are committed to delivering high-quality care tailored to you.
At Palms Physiotherapy & Allied Health, our experienced team is here to help children and adults manage their condition and improve their quality of life.
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To get a TCA or GPMP, you need to book an appointment with your GP. During your visit, discuss your chronic condition and how allied health services might support your treatment plan. If your GP agrees, they will create a GP Management Plan (GPMP) and/or a Team Care Arrangement (TCA). They will refer you for up to five allied health sessions per year, depending on your condition and healthcare needs.
With a TCA or GPMP, you may be eligible to access allied health services such as:
Physiotherapy
Occupational therapy
Speech therapy
Exercise physiology
The number of sessions allowed is typically up to five per year, but this may vary depending on your needs and the advice of your GP.
Medicare may cover the cost of your allied health sessions, but this will depend on the clinic’s billing policy. Some clinics bulk bill for these services, while others may charge a gap fee. It is important to confirm the payment structure when booking your appointment.
While your GP will refer you to allied health professionals as part of the plan, you can choose from a range of qualified providers. Be sure to confirm with the clinic whether they are Medicare-registered and accept TCA or GPMP referrals.
If you require more time with your therapist, you can choose to pay a gap fee for longer sessions. Under Medicare, your sessions for TCA or GPMP are usually limited to a shorter duration (e.g., 20 minutes). If you would like additional time to fully address your chronic condition, speak to the clinic staff about arranging an extended session for an additional cost.
You can access up to five sessions per year for each chronic condition that is covered under your TCA or GPMP. However, these sessions are reviewed annually by your GP. If your condition improves or worsens, your GP may adjust the plan accordingly.
If your GP determines that you are not eligible for a TCA or GPMP, you can discuss alternative options for managing your chronic condition. Many clinics offer private appointments or can direct you to other forms of support and care that may be more suitable for your needs.
Occupational Therapy (OT) helps individuals across the lifespan to engage in meaningful activities (occupations) that are essential for their daily lives. Whether it’s children needing assistance with developmental delays or adults recovering from injury or managing disability, our qualified occupational therapists at Palms Physiotherapy & Allied Health provide customized care to improve mobility, strength, coordination, and independence.
Enhancing fine motor skills and coordination
Supporting sensory processing challenges, including Sensory Processing Disorder (SPD)
Assisting with daily living activities like dressing, grooming, and feeding
Rehabilitation following stroke, traumatic brain injury (TBI), or surgery
Helping children with developmental delays, Autism Spectrum Disorder (ASD), and ADHD
At Palms Physiotherapy & Allied Health, we offer comprehensive OT services:
Paediatric Occupational Therapy
Our paediatric OT services focus on children with developmental delays, sensory issues, and disabilities. We provide early intervention, school readiness programs, and therapy in our fully equipped kids therapy gym with sensory integration.
Adult Occupational Therapy
We assist adults recovering from injuries, managing disabilities, or experiencing changes due to ageing or neurological conditions such as Multiple Sclerosis (MS), Parkinson's Disease (PD), and Stroke.
NDIS Support
As an provider for NDIS participants, we help individuals with tailored occupational therapy programs to meet their specific goals under the NDIS framework. Whether it’s building independence or improving life skills, our OTs are experienced in working with NDIS clients.
Qualified and experienced occupational therapists with a passion for helping people
State-of-the-art facilities, including sensory rooms and rehabilitation gyms
Tailored therapy plans for all ages and abilities
NDIS provider offering individual and group sessions (plan and self managed participants)
Multidisciplinary team working alongside physiotherapists, exercise physiologists, and speech therapists
Not sure is OT is right for you or someone you care about?
Book a FREE phone consultation with our OT to discuss your needs and if OT is right for you!
Conditions and Disabilities Occupational Therapists Can Assist With
Head to this page to see the different conditions that we can help with, and get you the best life and function you deserve!!
Developmental Delays
Neurological Conditions
Orthopaedic Conditions
Chronic Conditions
Mental Health Conditions
Geriatric Conditions
Alzheimer's Disease
Dementia
Age-related functional decline
Syndromes & Congenital Conditions
Paediatric Conditions
Workplace Injuries
Repetitive Strain Injuries
Back Injuries
Post-Surgical Rehabilitation
Hand Therapy (post-surgery or injury)
Orthopaedic Surgery Recovery
Cardiac Surgery Recovery
Sensory Processing Issues
Activities of Daily Living (ADL) Limitations
Difficulty with self-care tasks (bathing, dressing, eating)
Difficulty with home management tasks (cooking, cleaning)
Motor Vehicle Accident Injuries
Soft Tissue Injuries
Veteran Support
Physical Disabilities
Mobility Impairments
Learning and Academic Challenges
At Palms Allied Health, our dedicated occupational therapists provide personalised care to both children and adults. Our services include:
Children: Helping children with developmental delays, sensory processing issues, and other challenges to improve their ability to perform daily activities and succeed in school and play.
Adults: Assisting adults in regaining independence and functionality after injuries, illnesses, or surgeries, and helping manage chronic conditions to improve overall quality of life.
NDIS Participants: We are able to work with you to help meet your goals through the NDIS. We are currently able to see participants that are self-managed or plan-managed.
Private Patients: Customised therapy plans tailored to meet your specific needs and goals.
Medicare Care Plan Patients: Coordinated care plans that integrate occupational therapy to enhance overall treatment.
Department of Veterans Affairs (DVA): Specialised programs to support veterans in managing health conditions and improving daily living skills.
Workers Compensation Injury: Rehabilitation programs designed to help injured workers return to their jobs safely and effectively.
Motor Vehicle Accident Injury: Comprehensive therapy to aid in recovery and restore functional independence.
Contact Us
Occupational Therapy Australia
https://otaus.com.au
The peak professional body representing OTs in Australia. Provides information on the profession and public resources.
National Disability Insurance Scheme (NDIS)
https://www.ndis.gov.au
Learn about NDIS funding for occupational therapy services.
Raising Children Network
https://raisingchildren.net.au
A resource for parents on childhood development and disability support, including OT.
Health Direct Australia
https://www.healthdirect.gov.au
Provides information on occupational therapy services and general healthcare in Australia.
Better Health Channel (Victoria)
https://www.betterhealth.vic.gov.au
Offers information on various health topics, including occupational therapy.