Excerpt: With respect to mental health or substance-use-disorder coverage, the group health plan may not: require that the participant pay more with respect to co-payments, deductibles, or out-of-pocket expenses; or impose more restrictive limitations as to the number or frequency of visits or days of coverage. In addition, the group health plan must provide the same out-of-network coverage for mental health and substance-use-disorder coverage that is available for out-of-network medical and surgical benefits.  MORE >>