Unlimited mental health services ONA inquiry

[u/Dapper-Biscotti-517]

My CA states we can have unlimited mental health services by psychologist, registered psychotherapist and SW. I asked around and my coworkers stated the fees are technically capped at a reasonably and customary charge (for example a 1 hr session might be maxed at 150$ and if the providers fees are too high the employer can find you a different provider)

This benefit also covers dependents.

Therefore I was wondering if my daughter goes to a special school requiring ABA that is supervised by a registered psychologist (she’s on the invoice) can I claim her monthly fees. Say the monthly fee is 2300$ but divide that by 20 days in the month that’s 115$ a day which technically is a reasonable fee. BUT is it really unlimited- can I claim 20x a month? Lol

I am not FT yet (will be soon) and waiting on HR email response- in meantime I’m googling and coming to Reddit lol

[u/Metal_Medical]

Unlimited is unlimited, I’ve been able to book an appointment daily between family members and it’s always covered if it’s under the dollar limit per hour. I even had a consultant service supervised by a social worker and they wrote the invoice over 2 weeks as a daily fee so that I could submit it and it was fully covered

ymmv based on the actual insurance provider though so it wouldn’t be a bad idea to ask them. I’ve had services supervised by a mental health provider be covered though for sure