In Virginia

What is the kinds of medical expenses, particularly mental health issues, are covered under uninsured medical expenses?

My son is almost 16 an is struggling with chemical dependancy. What part if any of treatment and conseling can be considered a medical expense.

Also if I secured personal loans to pay for them, even if someone else signed the note, is that considered payment for services if I am responsible party and my intent is to pay back signer (ie it was not a gift).

Also do you have to show documentation that the insurance company denied coverage even when you know that the treatment in not covered under your policy. What documentation do you typically provide for this?

In general, is there a statute in Virginia that addresses this issue?

Thank you.