How Do I Find Out What My Behavioral/Mental Health Benefits Are?
Call the member services phone number listed on the back of your card. Have your insurance card out when you call – you will be asked to provide your member ID and other identifying information.
Ask for information on “Behavioral Health Benefits”
Ask the operator for the following information:
Do I have coverage for outpatient mental health care in Illinois?
What is my deductible for outpatient mental health services? Ask if you need to meet the deductible before any benefits start.
What is my coverage for outpatient mental health services? Sometimes you will have a “copay”- meaning it is a fixed dollar amount you pay per visit. Other times there is co-insurance, meaning your insurance company will pay a percentage of the mental health services fee, and then you pay the remaining percentage.
Ask if you need a referral. Some plans require that a primary care physician give you a referral. This means you will need to see a primary care physician first before you can receive therapy and psychiatry services.