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Mental Health Coverage for TRS-ActiveCare Plans

Every TRS-Active Care plan covers outpatient mental health services such as therapy appointments and inpatient services like hospitalization.

Use the chart below to see each plan’s copays, coinsurance, and other important information. Certain services require prior authorization. Refer to your Benefits Booklet and look for the section on prior authorization for details.

The costs listed below are for in-network providers only. The TRS-ActiveCare Primary and TRS-ActiveCare Primary+ plans don’t cover out-of-network care, except in emergencies. For details about out-of-network benefits for TRS-ActiveCare HD and TRS-ActiveCare 2, refer to your Benefits Booklet and see the section on out-of-network coverage for details.

You can also see an in-network therapist or psychiatrist online or over the phone through TRS Virtual Health powered by Teladoc^®. To search for an in-network provider, visit our Provider Finder ^® tool.

In-Network Outpatient Coverage
	TRS-ActiveCare Primary	TRS-ActiveCare Primary+	TRS-ActiveCare HD	TRS-ActiveCare 2
Outpatient Services	$30 copay per office visit; deductible does not apply	$30 copay per office visit; deductible does not apply	20% coinsurance after deductible	$30 copay per office visit; deductible does not apply
TRS Virtual Health powered by Teladoc	Psychiatrist: $70 Psychologist, Licensed Clinical Social Worker: $70	Psychiatrist: $70 Psychologist, Licensed Clinical Social Worker: $70	Psychiatrist (initial visit): $185 Psychiatrist (ongoing visits): $95 Psychologist, Licensed Clinical Social Worker (initial and ongoing visits): $85	Psychiatrist: $70 Psychologist, Licensed Clinical Social Worker: $70

In-Network Inpatient Coverage
	TRS-ActiveCare Primary	TRS-ActiveCare Primary+	TRS-ActiveCare HD	TRS-ActiveCare 2
Inpatient Services	30% coinsurance after deductible	20% coinsurance after deductible	20% coinsurance after deductible	$150 copay per day for the first five days plus 20% coinsurance; copay maximum of $2,250/plan year
Important Information	Prior authorization is required for inpatient stays.	Prior authorization is required for inpatient stays.	Certain services must be preauthorized.	Certain services must be preauthorized.