Is joining a private health fund for mental health worth it?

I’ve struggled for years with mental illness,(I’m 32) I’ve seen therapists through mental health care plans but you only get 12(?) sessions a year, I need more help than that, been to the ED twice now for suicidal/self harm. I’ve never had private health before was always told it isn’t worth it, you still have to pay a gap, it’s too expensive, etc.. in regards to mental health, what does it actually cover? And what do you get? Psychology? Psychiatry? Group therapy? Etc? Can’t seem to find clear enough answers through google. If anyone has some insight I’d appreciate thanks :)