Any Help On Understanding these 3 Employer Options?

Hi, so I’m trying to figure out which plan makes the most sense for me. I take expensive medication for mental healthcare and for mental healthcare alone I know it’s going to be over $10k for the year easily.

So I have 3 options

$2012 Premiums/$3000 deductible/$7150 max out of pocket

$1473 Premiums/$2000 deductible/$5500 max out of pocket

$2705 Premiums/$500 deductible/$4000 max out of pocket

There are some % of copays that are different but my question is on the mental health coverage along with these options.

Mental Health options

Medication $30/Prescription Deductible does not apply

Outpatient $20 copay per visit/ Deductible does not apply

Out of network 40% coinsurance

So I know I’m going to hit the max out of pocket on all these and the $2705+$4000 is slightly less than the $1473+$5500.

Is there anything I should know about what would change the max out of pocket? Like if it’s out of network or does the out pocket cost still apply if the deductible doesn’t apply?

Any help would be appreciated. Thanks.