Does my plan cover out of network providers for telehealth and in-person mental health services? What is the coverage? What is the coinsurance or percentage I will pay for these services?

Is telehealth coverage temporary or permanent? Until when?

What is my out-of-network deductible? (This is the amount you must pay out of pocket before the plan begins to pay at all. You may have a separate deductible for in-network providers and another for out of network providers.)

How much of the out-of-network deductible has been met so far this year?

What is the allowed amount for an out-of-network provider? (Some plans may cap the amount they allow and reimburse based on this.)

Are the following CPT codes covered?: 90791 (intake assessment), 90837, 90834, 90832 (60-, 45-, 30-minute therapy sessions), 90853 (group therapy)

Are there any limits to the number of sessions per year?

When do benefits start and renew? Is my coverage active?

How do I submit invoices to the plan for reimbursement? Do I need to get a form to attach them to? What is the address where I would send MENTAL HEALTH claims?

What is the out-of-pocket maximum? (The amount you must pay each year before the plan starts paying 100% for health expenses.)