Health Insurance Deductibles and Mental Health?

I am looking at getting insurance through health net. It says the medical deductible is $500. It also says that mental health outpatient services require prior authorization except for office visits (not sure what that means, does that mean that therapy sessions need to be authorized?). In this case, would I be paying out of pocket for the psychologist until I have paid $500 worth while also paying the monthly premium? Also, when applying through covered california does it check your credit to see if you are eligible? That seems strange. I have a very low income, but I did recently buy a car. Would that make it seem like I'm committing fraud? My income has also changed dramatically since last year. Would they base my eligibility for insurance based on last year or this year? Answers to any one of those questions is helpful. I've done hours of researching, but I just can't seem to grasp the whole thing here. Thanks!

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https://www.linkedin.com/pulse/how-do-i-know-health-insurance-isnt-affordable-california-henry-cox/