I have only used kaiser and they suck but often times I just have an appointment with my psychiatrist and therapist over the phone and that doesn’t cost me anything. In person I have a $20 copay. My medication amount varies but haven’t had to pay more than 20. I will no longer be on my parents’ health insurance after this year and kaiser is more expensive so I’m going to go with premera or Aetna. It would be helpful if you could mention your experiences with mental health services with these as well as costs.
You should only go in network on commercial, particularly with mental health/sud treatment. Kaiser is legit because everything is in network. So do a lot of research on participation for each provider to avoid ridiculous charges/bills.