Originally Posted by Mark in Idaho

I can tell you that your deductible will be based on the health plan you have . Many plans will not cover out of network evaluation and treatment like UPMC. Some plans have a stricter definition of 'medically necessary' than others.

Some plans have a very high deductible for out of network care compared to local, in-network care.

So, your first effort should be to read your Health Plan Benefits manual. Pay attention to medical care vs mental health counseling/therapy vs physical/occupational/vestibular therapy. A Neuro Psych is not usually considered medical care. The deductibles and co-pays can be higher and have a limited benefit amount.

It can get very disturbing to see bills after the fact when one did not plan ahead. Even planning ahead can leave one in a mine field.