Covered California Mental/Behavioral Health Insurance Options

Hello, I live in LA and currently have Kaiser Silver HMO through the marketplace, but I hate it and have for a long time as the majority of my health care usage is mental health services such as therapy, psychiatry, and medications. I also occasionally use specialists for chronic pain and endocrinology.

Essentially, I’m looking to switch to a plan that is as easy and fast as possible to use for mental health services with a wide selection of providers that I can choose from to ensure a good fit.

Which of the following plans fulfill this + do any of them allow you to reach out directly to the behavioral health providers without additional bureaucracy? The number of doctors is just a general count of all in-network providers, not behavior specific.

LA Care: Silver 94 HMO, (2,285 Doctors within 10 miles) $0 Monthly Premium

Anthem Blue Cross: Silver 94 HMO (1,781 Doctors within 10 miles) $0 Monthly Premium

Blue Shield: Silver 94 Trio HMO (128 Doctors within 10 miles) $20 Monthly Premium

Blue Shield: Silver 94 PPO (5,662 Doctors within 10 miles) $188 Monthly Premium

Oscar: Silver 94 EPO (1,818 Doctors within 10 miles) $80 Monthly Premium