I'm pretty sure the benefit is the amount you get back and the gap is the difference between the fee and the benefit which is your out of pocket cost. There might be a limit for how much you can get back, did it say anything about that?
Tanstar - i work for a psychiatrist. To explain the:
Fee Amount is what medicare say is an "acceptable" amount to charge for a consultation and the 85% is what you get back from medicare. There is usually a 75% amount which is usually the rebate for an outpatient consultation and the 85% is the rebate if it was an in hospital consultation. Obviously there is no psychology sessions in hospital normally so that may be why there is only the 85% on your item number.
and like a PP there is usually a certain number of consultation in a calender year you can claim back.
but i agree, any money back from the government is better than nothing!!!
Tanstar, I see you've already caught up with the mental health plan thing. I guess you could use this as an opportunity to reconsider applying for one. It really just involves making an appt with yoru GP, gong through a bit of a history and filling out straight forward questionnaire to rate your stress, anxiety, depression levels.
If you are thinking about doing this, better to get in sooner rather than later as the number of sessions is shrinking (next year?) due to changes in the last budget.
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