My husband changed his ofc (which incl our family) to the new BC/BS plan where you have a huge ded.--in our case, $2,500--and the copays are still 80/20 once you get past that point. Mental health stayed the same. You have to preauthorize 6 visits, then have the dr ofc call and preauthorize more. We've never had to deal with-mental health hospital., just appts., so I can't offer any info on that.
Once you get over the initial heart failure of paying so much up front, it's actually a good system. We're getting checks from the ins. company now. Kind of odd... you'd think that with-all the computer systems in place, they could figure it out the instant a chg goes through, but they take 30 days to process it, decide if you've met the ded., then if you have and you've already pd cash, they send you a check.