Prior to delving into the legal mumbo-jumbo of your 'official' policy and running the risk of not understanding a darn thing, there is a document called the "Benefit Plan Summary" or "Benefit Summary Plan." Either way, it is---and should be---the 'easy to read' high-level version of what is and what is not covered by your health insurance plan.
Typically, the summary is presented in columns, one column being 'in network' benefits and the other being 'out of network' benefits (if any).
As Dr. Oz answered, you can request this document from the Human Resources department at your employer or by calling the Member Services department at your health insurance company. Don't be surprised if they direct you to their webpage to find it. Ask the representative if they can give you the specific URL so that you don't spend all afternoon on the internet trying to find it.
More Answers from Betty Long, RN, MHA