What type of mental health benefits does the Plan cover?
Charges rendered by a psychiatrist are covered for active and retired eligible participants for individual therapy. There are a combined total of 20 covered visits per family, subject to a four-visit deductible per calendar year. Reimbursement will be at the network allowance, less the co-pay. Effective August 1, 2007, services rendered by a psychologist (“PHD”) or a social worker (“MSW”) are now covered up to a calendar year maximum of 30 visits per family. The Plan’s existing coverage for 20 calendar year visits per family for a psychiatrist still applies. Participants may combine the 20 psychiatrist visits with the psychologist/social worker visits for a total of 30 visits per family. A 4-visit calendar year deductible applies to this benefit. This means that the first 4 visits are the participant’s responsibility. After that, the Plan will pay for a maximum of 30 visits. All covered visits, both in and out-of-network, are subject to the $25 co-payment and the 4-visit deductible.
