Mental Health Benefits

Mental Health benefits are different amongst each carrier in the private market and are a cutback in benefits compared to employer provided coverage.

If you currently are covered through your employer, Mental Health benefits are covered the same as any other illness.  So...if your plan has a copay for office visits (out-patient medical services), than any therapy is covered under the copay...as long as your provider is "in-network"

In the private market Mental Health benefits are not covered the same as any other illness.  Below is a list of how each carrier the shoppe represents covers Mental Health benefits:

Aetna

Does not provide coverage

Blue Cross and Blue Shield of Illinois (BCBSIL)

12 month waiting period if considered a pre-existing condition.  All expenses are subject towards the plan deductible prior to being paid at 50% towards the plans out-of-pocket and after.

Celtic

12 month waiting period if considered a pre-existing condition.  All expenses are subject towards the plan deductible prior to being paid at the selected coinsurance level towards the plan out-of-pocket.

Humana

12 month waiting period, except for prescription drugs.  Separate plan deductible for Mental Health, then paid at 50% towards the plan out-of-pocket and after.

United HealthCare (UHC)

Mental Health benefit is additional premium with no waiting period.  All expenses are subject towards the deductible before being paid at selected coinsurance level towards the plan out-of-pocket.

Please call or email the shoppe with any questions.

Thanks,

Jordan