Do I have out-of-network coverage for outpatient mental health services?

If Yes, what is the coverage before and after I reach my deductible?

How much is my annual deductible? How much has been met so far this year?

Do My expenses with out-of-network providers count towards the deductible?

What is the specific percentage or dollar amount coverage for out-of-network outpatient mental health services?

Is tele health/online therapy covered by my out-of-network benefits?

What information do you need for me to submit for out-of-network reimbursement?

Do I need a referral to see out of network providers? If so, where can I get the referral?