LADC: Licensed Alcohol and Drug Counselor
LMFT: Licensed Marriage and Family Therapist
LP: Licensed Psychologist
LPPC: Licensed Professional Clinical Counselor
MA: Master of Arts
PhD: Doctor of Philosophy
PsyD: Doctor of Psychology

Your deductible is the amount you must pay for covered health care services received before your plan begins to pay. For example, if your deductible is $1,000, your plan won’t pay anything until you have paid $1,000 for covered health care services. A plan with an overall deductible may also have separate deductibles that apply to specific services or groups of services. For example, a plan may have separate in-network and out-of-network deductibles. To find out whether you have a deductible for mental health services, call the phone number on back of your insurance card.

A copayment, also called a “copay,” is a fixed amount ($20, for example) that you pay for a covered health care service after you’ve paid your deductible. To find out whether you have met your deductible and/or if you have a copay for mental health services, call the phone number on back of your insurance card.

Coinsurance is a percentage of the costs of a covered health care service that you pay (for example, 15% of the cost of a service) after paying a deductible. To find out whether you have met your deductible and/or if you have a copay for mental health services, call the phone number on back of your insurance card.