Hi Ellahmae... did you get it figured out? Did you end up purchasing that insurance?

My insurance (through work, so I don't have another option) also says "no limits" on outpatient mental health. But, when I called them to double check, they said "no limits as long as it's medically necessary."

It sounded like they might disagree with me on medically necessary, and reserve the right to stop paying for therapy. For example, my (out of network) T has me diagnosed as "dysthmia" - i.e. mild depression. He wanted to choose something that would be likely to have the least possible negative effect for me in the future (sometimes having something officially diagnosed in your insurance can affect you later on, for example, if you want to buy life insurance, I think?)

It's possible that at some point they'd say, "well, for dysthmia, that really should be cured with XX sessions... so we won't cover any more."

They haven't yet. But, again, my T is out of network, so they don't cover much of it anyway...

Good luck, hope you got what you needed!