Dizzy_Cookie_8650
Dizzy_Cookie_8650 t1_jaau1g6 wrote
Reply to comment by Evening_Attention_45 in No Mental Health Coverage with Marketplace by Evening_Attention_45
Which plan are you looking at ? Omnia silver has a 30 copay for mental health, no deductible. I’m sure it’s pricey depending on your age bracket.
Dizzy_Cookie_8650 t1_jaan52n wrote
It’s a federal mandated benefit. Mental health has to be treated the same as any other illness. So the rest of those benefits on marketplace plans are subject to that same high deductible. That’s how they make it “affordable “. It drives most of the cost to the member. But if you see an in network provider the cost is discounted and you only pay what insurance allows so even though you’re paying upfront to meet the deductible it may not be as high as you’re thinking.
Dizzy_Cookie_8650 t1_jaeezsr wrote
Reply to comment by Evening_Attention_45 in No Mental Health Coverage with Marketplace by Evening_Attention_45
The silver actually only charges that copay if your IP. An outpatient office visit is straight copay. Im an insurance broker in nj. I don’t write individual plans but I’m familiar with them. Hope this helps. Good luck.