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.

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 50/50 Coinsurance.

A co-pay is a fixed dollar amount you are required to pay for health care services. For example, if you fill a 30-day generic prescription you would have a $5 co-pay.

Coinsurance is the set percentage of the allowed amount you are required to pay for health care services.

Any out of network treatment / counseling has a $10,000 deductible per individual or $20,000 deductible per family before payment is made. If you have chosen a provider who is out of network, please contact Mental Health Consultants (MHC) for more assistance.