Mental Health Benefits

Psychiatry & psychology evaluation and prescription management 

Includes office visits to establish new patients, coordinate care, or manage active prescriptions. Does not include talk therapy

• PPO Plus (C, B, E, P, and S) Plans: $50 copay
• PPO Plus HSA Plans: Covered 0% before the deductible, then 100% after the deductible is met.

Individual and group psychotherapy

Includes talk therapy from psychiatrists, psychologists, licensed professional counselors, licensed social workers, or psychiatric nurses

• PPO Plus (C, B, E, P, and S) Plans: $50 copay
• PPO Plus HSA Plans: Covered 0% before the deductible, then 100% after the deductible is met.

Marriage and family psychotherapy/counseling

Includes talk therapy from licensed marriage and family therapists

• PPO Plus (C, B, E, P, and S) Plans: $50 copay
• PPO Plus HSA Plans: Covered 0% before the deductible, then 100% after the deductible is met.

Inpatient & intensive outpatient care

Includes mental health services provided at a hospital or residential clinic (not a physician's office). Mental health services performed at a residential treatment facility, under partial hospitalization, or in an intensive outpatient setting require prior authorization.

• PPO Plus (C, B, E, P, and S) Plans: Coinsurance after deductible
• PPO Plus HSA Plans: Covered 0% before the deductible, then 100% after the deductible is met.

Trusted In-Network Providers

• Plushcare: Same-day or weekly clinical therapy appointments.
• Headspace: Health support platform offering personalized, on-demand access to behavioral health coaches, therapists, and self-guided tools to improve emotional well-being.
• Lifestance Health: In-person and telehealth therapy and psychiatry
• Talkiatry: In-network Psychiatry and medication management
• Cerebral: Online therapy and psychiatry focused on mental health and medication management
• Tava Health: Virtual therapy with personalized therapist matching for adults and families
• Little Otter: Personalized online therapy for children 0-14 using an evidence-based "whole family" approach
• Bend Health: Virtual mental health coaching and therapy for kids, teens, and families
• National Deaf Therapy: Full-service therapy support in American Sign Language (ASL)

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