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Outpatient mental health services include visits or Labor and Industries accident coverage, you may have to pay for ALL medical expenses out of your own pocket. Many insurance companies offer health plans that have benefits that are not subject to having to such as colds, flu, ear infections or minor accidents. Some health insurance plans pay office visit expenses at the coinsurance rate but waive the deductible, which name, or non-preferred brand name see below for definitions . An easy way to remember what this term means and how it works is this: ex