After your EAP benefits are exhausted, you can then employ your traditional mental health benefits under your insurance plan, or cash pay, depending on the best option for you based on your coverage. With high deductible plans, many choose the cash pay rate over using their insurance due to today’s high deductible plans.
Unfortunately, You cannot use your EAP benefit for Psychiatry, only for counseling care, as that is considered a Medical service under your medical plan. You can use your EAP benefit any time, even if you’ve already started services under your insurance or cash-pay. They do not back pay, but as long as the service received is within the dates of your authorization #, there is no cost to you. And, if your EAP is a company that we are not in network with, let us know, and we can try to see if we can be added as a provider so you can use it!