[Sticky issues that providers sometimes aren't very clear about. The article rightly recommends getting verbal and written documentation from provider for clarification. Ask for possibly written documentation that defines in laymen's terms coverage for all family members regarding substance abuse, stress, depression and other mental health issues.]
-globalEye.tip.health insurance

Health Insurance - Provision of Mental Health and Substance Abuse Services: "

Frequently Asked Questions
* How can I get services? Whom should I contact?
* What can I expect from my insurance plan?
* How can I enhance my insurance?
* What about parity?
* When should I use mental health or substance abuse services?
* Whom will I see?
* For more information...
How can I get services? Whom should I contact?

Call your insurance plan, or your company's benefits administrator, and ask for a verbal and written description of what coverage is provided for behavioral health treatments. Many insurers offer coverage for mental health (MH) services and/or substance abuse (SA) treatments; some only cover substance abuse if it co-occurs with mental illness. If you plan to use MH or SA benefits through your insurance plan, you may be required to get a referral from your regular doctor before you can receive services.
Additionally, your employer may offer an employee assistance program, or EAP. An EAP is a resource provided either as part of, or separate from, employer-sponsored health plans. Usually EAP visits are free, but the number of visits may be limited. Preventive care measures such as "