Mental Health

Mental health coverage through health system medical plans

Mental illness impacts more than 1 in 5 American adults, and for those in healthcare, that statistic can be even higher. Proactively managing your mental health is critical to taking care of yourself and others. That’s why mental health services – from individual counseling or family therapy to residential treatment or rehabilitation programs – can be covered by both health system medical plans.

HSA Advantage Plan

Inpatient services for mental/behavioral health are covered at the following coinsurance rates after your family deductible is met:

Health system network – 10% coinsurance
In-network – 30% coinsurance
Out-of-network – 40% coinsurance

(Preauthorization is required for inpatient services. Coverage of room and board may be denied.)

Outpatient services for mental/behavioral health are covered at the following coinsurance rates after your family deductible is met:

Health system network – 10% coinsurance
In-network – 30% coinsurance
Out-of-network – 40% coinsurance

(Preauthorization is required for ABA therapy.)

Signature Plan

Inpatient services for mental/behavioral health are covered at the following coinsurance rates after your individual deductible is met:

Health system network – 10% coinsurance
In-network – 30% coinsurance
Out-of-network – 40% coinsurance

(Pre-authorization is required for inpatient services. Coverage of room and board may be denied.)

Outpatient services for mental/behavioral health are covered as follows:

Health system network – $20 office visit copay, all other services covered at 100%
In-network – $30 office visit copay, then 30% coinsurance after deductible for all other services
Out-of-network – 40% coinsurance after deductible

(Preauthorization is required for ABA therapy.)

Please read about the health system’s medical plans and review the medical plan benefits summary chart for more details. It might also be helpful to learn more about deductibles, copays and coinsurance.

To help you get connected with support, we have a comprehensive Mental Health Resource Guide with health system, local and national resources, all compiled in one place. Most of the tools are free, confidential and available to all employees and physicians, regardless of benefits eligibility, as well as employees’ household members (including children) too.