Because Allied administers plans designed by individual employers, no two members have exactly the same coverage. Here’s what that typically looks like in practice:
- Allied processes claims through a national PPO network, which most plans use to set in-network rates for outpatient mental health visits
- Copays for in-network psychiatric or therapy sessions commonly fall somewhere between $0 and $75, depending on your specific employer’s plan design
- Some plans apply outpatient mental health costs toward a deductible before coverage kicks in, while others cover visits from the first session
- Referral requirements vary by employer, so some members can see a psychiatrist directly, while others may need a referral first
- The exact rules live in your plan’s summary plan description, which your HR department or the number on your insurance card can provide