Mental Health & Substance Abuse

Mental Health and Substance Abuse 90/10 Coinsurance Plan

Find solutions to personal problems so that you and your family can lead healthy, active and productive lives. Individual & Family Counseling, Mental & Nervous Conditions, and Substance Abuse Benefits are administered by Mental Health Consultants (MHC).

 

Behavioral Health In-Network services will have a 10% Participant Coinsurance up to an Out of Pocket (OOP) Maximum of $2,000 for an individual and $4,000 for a family for the Plan Year (May through April). Once an individual or family has reached their OOP Max, the Plan will pay 100% for all further In-Network claims for the duration of the Plan Year.

All Behavioral Health Claims should be sent to:

 

  Mental Health Consultants, Inc., 1501 Lower State Road, Building D, Suite 200, North Wales. PA 19454

 (800) 255-3081 or locally at (215) 343-8987

 http://www.mhconsultants.com/

 

Covered Behavioral Health Benefits include:

  • Psychiatrists & Psychologists
  • Social Workers & Licensed Counselors
  • Substance Abuse
  • In-Patient & Out-Patient Treatment Facilities
  • Individual & Family Counseling
  • Mental & Nervous Conditions
For a more in-depth explanation of your benefits, please refer to the full Health & Welfare Summary Plan Description.

Mental Health & Substance Abuse FAQs

What are my Mental Health & Substance Abuse Benefits?

Individual & Family Counseling, Mental & Nervous Conditions, and Substance Abuse Benefits are administered by Mental Health Consultants (MHC). Plan year beginning May 1, 2017 all In-Network claims are covered at 90% with a 10% Coinsurance.

 

All Behavioral Health Claims should be sent to:

  Mental Health Consultants, Inc., 1501 Lower State Road, Building D, Suite 200, North Wales. PA 19454

 (800) 255-3081 or locally at (215) 343-8987

 http://www.mhconsultants.com/

 

Covered Behavioral Health Benefits include:

  • Psychiatrists & Psychologists
  • Social Workers & Licensed Counselors
  • Substance Abuse
  • In-Patient & Out-Patient Treatment Facilities
  • Individual & Family Counseling
  • Mental & Nervous Conditions

What does Individual Counseling cost?

If you visit a Psychologist, Psychiatrist, or Counselor from Mental Health Consultants (MHC) Network of Participating Providers, you will be responsible for 10% of the charges. However, if you visit a Non-Participating Provider, you will be responsible for all charges until you reach your annual $10,000 (Individual) or $20,000 (Family) Deductible.

I want to go out of state for in-patient treatment. What are my options?

Mental Health Consultants (MHC) offers an extensive list of Participating Behavioral Health Providers, and Treatment Facilities for Mental Health & Substance Abuse. If you are considering obtaining any type of Behavioral Health Services, including in-patient facility stays, it is imperative you contact MHC at 1-800-255-3081 to discuss which facilities and locations are best for your course of treatment. Failing to choose an in-network facility will result in a $10,000 (Individual) or $20,000 (Family) Deductible, in addition to a 90/10% Coinsurance.