Behavioral Health Benefits

If you are enrolled in a McLeod Medical Plan, you are eligible for Behavioral Health benefits. You will pay the lowest cost for care when you receive a referral through the McLeod Employee Assistance Program (EAP). You can go directly to a BCBS Network Provider without a referral, but you will pay a higher copay, deductible and out-of-pocket maximum.

Plan Provisions	McLeod EAP Network (referral required)	BCBS Network (without a referral)
Annual deductible	No deductible	Must meet deductible and out-of-pocket maximum as outlined in the medical plan you elected.
Annual out-of-pocket maximum	Employee: $100 Family: $200	Must meet deductible and out-of-pocket maximum as outlined in the medical plan you elected.
Licensed therapist (Masters)	100% of allowable charges after a $10 per visit copay No deductible	100% of allowable charges after a $35 per visit copay No deductible
Psychologist (Ph.D.)	100% of allowable charges after a $15 per visit copay No deductible	100% of allowable charges after a $50 per visit copay No deductible
Psychiatrist (MD)	100% of allowable charges after a $20 per visit copay No deductible	100% of allowable charges after a $60 per visit copay No deductible
Facility, physician inpatient and outpatient services, and BCBS provider office visits are paid through the Core, Enhanced or High Deductible Health Plan.

Note: For the HDHP, copays apply after the deductible has been met.

Benefits

Benefits Menu