Mental Health Plan overview
Level’s Mental Health Plans provide valuable support for mental health care costs, addressing common gaps in traditional health plans. Typical plans often limit mental health coverage, leaving employees to deal with restricted networks, out-of-network fees, or full costs for providers who don’t accept insurance. This can make mental health support inaccessible, especially for those unable to pay upfront and wait for reimbursement. With Level’s Mental Health Plans, members can use the Level Card to pay directly with any licensed provider, improving access to quality care for your team.
Types of plans
Level's Mental Health HRA and Mental Health Maximum Access Plan (MAP) are tax-advantaged benefits designed to increase access to mental health care while offering employees the freedom to choose providers that work for them. Unlike traditional EAPs, which generally have short-term counseling, limited networks, and session caps, Level’s plans offer broader provider choice and flexibility, helping to ensure timely and accessible support.
Key differences
- Eligibility:
- Mental Health HRA: Only available to employees with HMO/PPO health plans and is incompatible with HSAs or HDHPs.
- Mental Health MAP: Accessible to all employees regardless of their health plan. Level recommends auto-enrolling all employees to expand accessibility in compliance with the ACA. While only members are enrolled, the benefit extends to spouses/domestic partners and dependents under 26
- Coverage:
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- Mental Health HRA: Covers both therapy-related expenses and prescription medications.
- Mental Health MAP: Covers therapy-related expenses only and does not include prescription medications.
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- Benefit limits:
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- Mental Health MAP: Capped at $1,500 per employee annually, in compliance with ERISA.
- Mental Health HRA: Offers flexible benefit maximums that can be set to fit your budget.
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- Exclusions:
- Both plans exclude marriage and family counseling.
- Prescription medications are excluded under the Mental Health MAP (available only under the Mental Health HRA).
Plan coverage
Designed to support individual therapy with licensed providers, covered expenses include:
- Copays and deductibles
- In-person and virtual therapy, behavioral therapy, psychotherapy, and addiction treatment
- Therapy apps that connect members to licensed providers
Depending on the type of Mental Health Plan chosen, plan coverage may vary.
Eligibility
Auto-enrollment
Automatically enrolls members based on plan enrollment criteria (e.g. employee type, status, location) without a required election by the employee.
This enrollment type is most popular for Mental Health Plan accounts.
Termination
Upon an employee's departure from the company, the treatment of any remaining benefits related to family planning will be based on the employer's policy.
The specific treatment may vary, so it’s essential to confirm the company’s stance and communicate it to departing employees if needed. All terminated employees will continue to have access to their Level account only to review past transactions and expenses.