Nippon Life Benefits has been in the employer health insurance space for years, and behavioral health is treated as a standard part of the benefit, not an add-on. A few things worth knowing:
- Members can be enrolled in either a PPO or an HDHP plan, and which one you have changes how psychiatric visits are structured and billed
- PPO members generally don’t need a referral before scheduling with a psychiatrist directly
- HDHP plans typically apply a specific cost to psychiatric visits – often higher for the first evaluation and lower for follow-ups – which usually counts toward your annual deductible
- A Teladoc partnership gives members an additional telehealth option for both medical and mental health visits
- Because plan design is set at the employer level, exact copays and prior authorization rules can differ from one group to the next
Given how much plan details can shift between employers, we always recommend a quick benefits check before your first session – and we’re glad to run that for you ourselves.