Rehabs That Take ComPsych: Using Your EAP and Health Plan for Addiction Treatment

Rehab is usually paid for through your health plan, and all Marketplace plans must cover substance use disorder treatment as an essential health benefit [1]. Parity law also bars many plans that cover addiction care from putting harsher limits on it than on medical care [2].

ComPsych runs employee assistance programs (EAPs) for employers such as the State of Ohio [3]. An EAP can assess you, counsel you for a short time and refer you on [5]. This page lists our campuses that take ComPsych. It explains what the EAP can do when the problem is alcohol or drugs, where the EAP hands you to your health plan, and what you may pay. It is for someone who holds a ComPsych benefit and wants to start treatment soon. If you want a real answer about your own plan, you can verify your insurance with our admissions team before anyone travels. For the wider picture, see how insurance covers addiction treatment.

Rehabs That Take ComPsych: Our In-Network Campuses

What ComPsych is, and where your health plan fits

ComPsych is a company that employers hire to run their EAP [3][4]. Ohio’s state benefits office says the Ohio Employee Assistance Program is administered by ComPsych, for all state employees and their family members [3]. Illinois says its EAP services for state employees not represented by AFSCME 31 are handled through ComPsych [4].

An EAP is a narrow benefit. The federal Office of Personnel Management describes it as a voluntary, work-based program that offers free and confidential assessments, short-term counseling, referrals and follow-up to employees with personal or work-related problems [5]. Alcohol and other substance use are among the issues it names [5].

Your health plan is a separate thing, and it may be run by a different company. Ohio shows the split plainly. Its EAP is run by ComPsych [3], while mental and behavioral health care under the state’s medical plan is administered by Optum Behavioral Health [6]. Illinois describes the same shape in its own words. Behavioral health services are part of the health plan the member is enrolled in, and the EAP is offered regardless of which plan an employee chose [7]. Our page on Carelon Behavioral Health coverage shows how another behavioral health company fits into a health plan. If you are worried about what your employer can see, read our page on employer insurance and privacy.

So when you ask whether a rehab “takes ComPsych,” you are really asking two questions. Does the EAP refer you there? And does the health plan that pays for treatment cover it? The campus list above comes from our contract list. Your health plan still has to be checked.

What a ComPsych EAP can do for substance use

An EAP is a front door. It is not a treatment program.

SAMHSA, the federal agency for substance use and mental health, says EAPs usually offer employee education, individual assessments, management consultation, referrals to treatment and short-term counseling [8]. It adds that some EAPs concentrate mainly on alcohol, prescription drug and other drug issues [8]. The Department of Labor describes its own EAP the same way: problem assessment, short-term counseling and referral to appropriate community treatment resources [9].

For federal workers, OPM says substance use treatment services offer referrals to employees who may be misusing illegal, prescription or over-the-counter drugs or alcohol [10]. It also says providers should work with employees to refer them to in-network support for long-term help [10]. That is the handoff this page is about.

After an assessment, the EAP’s part is a referral to treatment [8]. That referral might point toward medical detox, residential care or an outpatient program. We cover the confidentiality and leave questions in our guide to using an EAP to get into rehab, so this page does not repeat them.

Who pays for treatment: the EAP hands off to your health plan

The EAP itself is usually free at the point of use [11]. OPM tells federal employees there is no cost for counseling and other services from the agency’s EAP [11]. It then draws the line that matters here. Costs for outside treatment and professional services can mean personal expense, and they may be covered by your Federal Employee Health Benefits plan or private insurance [11]. OPM adds that the EAP counselor will work with you to find an outside program that fits your finances [11].

Notice the word “may.” It is a hedge, not a promise, and whether your plan pays is something to confirm before you start. What the EAP buys is set by the employer’s contract. SAMHSA explains that outside EAPs are often priced at a fixed rate per employee per month [8]. The package the employer picks sets things like the number of short-term counseling sessions per person, per problem and per year [8].

So treatment beyond the EAP is paid by your health plan, by you, or by both [11]. Under the Mental Health Parity and Addiction Equity Act, a plan that covers mental health and substance use care may not apply harsher limits to it than it applies to medical and surgical care, and that reaches prior authorization and step therapy as well as visit and day caps [2]. The scope is worth knowing: it applies to non-federal governmental plans with more than 50 employees, to group health plans of private employers with more than 50 employees, and to the individual market [2]. Plans from small employers are not covered directly; they get comparable protection through the Affordable Care Act’s essential health benefits requirement [2].

What your health plan usually covers for addiction treatment

Start with the federal floor. All Marketplace plans must cover behavioral health treatment such as counseling, mental and behavioral health inpatient services, and substance use disorder treatment [1]. Your exact benefits still depend on your state and the plan you have [1]. Marketplace plans also cannot put yearly or lifetime dollar limits on these services [1].

Coverage then turns on medical necessity. HealthCare.gov defines medically necessary care as services needed to diagnose or treat an illness, injury, condition, disease or its symptoms that meet accepted standards of medicine [12]. A plan might deny a requested service or treatment as “not medically necessary” [20]. For addiction care, that service might be inpatient rehab, a day program or intensive outpatient programs.

Many plans also want approval first. Preauthorization is the plan’s decision that a service or treatment plan is medically necessary, and a plan may require it before you get certain services, except in an emergency [13]. It is not a promise to pay [13]. Parity reaches this step too. CMS lists prior authorization among the treatment limits that may not be applied more strictly to mental health and substance use benefits than to medical ones [2].

Ask whether each level of care, such as detox and then a residential stay, needs its own approval before you start.

What you will pay

Three numbers shape your bill. The deductible is what you pay for covered care before your plan starts to pay [14]. Coinsurance is the share of a covered service’s cost you pay after the deductible, such as 20% [15]. The out-of-pocket maximum is the most you pay for covered services in a plan year; after you reach it through deductibles, copayments and coinsurance for in-network care, the plan pays 100% of covered benefits [16].

That limit has gaps. It does not include your premiums, services your plan does not cover, out-of-network care, or charges above the plan’s allowed amount [16].

For a sense of scale, our own cost page puts detox at $250 to $800 a day, 30 days of basic residential care at $2,000 to $20,000 and intensive outpatient care at $3,000 to $10,000 for 30 days. Those are our published ranges, not official figures. See what rehab costs for the rest. Your share depends on your plan documents, not on those totals.

How to check your ComPsych and health plan benefits, step by step

1. Call the EAP. Ask for an assessment and a referral for substance use care. Ask how many sessions your employer’s package includes, since that is set by contract [8].
2. Find your health plan. Look at your medical plan card, not the EAP card. Write down the member ID, group number and the plan’s behavioral health phone number, if it lists one.
3. Read your plan papers. The Department of Labor says to check your plan’s Summary Plan Description or Summary of Benefits and Coverage [17].
4. Ask about approval rules. You can request copies of the information your plan uses to decide on copayments, limits, medical necessity and prior authorization [17].
5. Ask about each level of care. Ask separately about detox, residential care, partial hospitalization and intensive outpatient care.
6. Keep a record. Note the date, the name of the person you spoke to and any reference number.

Our admissions team can check your health plan benefits with you. Our page on how admission works explains what happens on that first call.

If your plan is out of network

Out of network means the provider has no contract with your plan. HealthCare.gov describes a network as the facilities, providers and suppliers your plan has contracted with [18]. Out-of-network coinsurance usually costs you more than in-network coinsurance [19]. And as noted above, out-of-network care does not count toward your out-of-pocket limit [16].

If your plan denies a claim, you can appeal. You must file an internal appeal within 180 days of the denial notice [20]. The plan must finish it within 30 days for a service you have not received yet, and within 60 days for one you already received [20]. If the plan still says no, you can ask for an external review [20].

Other carrier pages walk through the same steps under other names. See Magellan Health coverage for rehab and Optum rehab coverage.

Frequently Asked Questions

Sources

1. HealthCare.gov. (2026). Mental health and substance abuse health coverage options. U.S. Centers for Medicare and Medicaid Services. https://www.healthcare.gov/coverage/mental-health-substance-abuse-coverage/
2. Centers for Medicare and Medicaid Services. (2026). The Mental Health Parity and Addiction Equity Act (MHPAEA). CMS. https://www.cms.gov/marketplace/private-health-insurance/mental-health-parity-addiction-equity
3. Ohio Department of Administrative Services. (2022). Ohio Employee Assistance Program. State of Ohio. https://das.ohio.gov/employee-relations/benefits-administration/ohio-eap
4. Illinois Department of Central Management Services. (2026). Employee Assistance Program (EAP). State of Illinois. https://cms.illinois.gov/benefits/stateemployee/employeeassistanceprogram.html
5. U.S. Office of Personnel Management. (2026). What is an Employee Assistance Program (EAP)?. OPM Work-Life FAQ. https://www.opm.gov/frequently-asked-questions/work-life-faq/employee-assistance-program-eap/what-is-an-employee-assistance-program-eap/
6. Ohio Department of Administrative Services. (2022). Behavioral Health (Not Ohio EAP). State of Ohio. https://das.ohio.gov/employee-relations/benefits-administration/behavioral-health/04-behavioral-health
7. Illinois Department of Central Management Services. (2026). Behavioral Health Services. State of Illinois. https://cms.illinois.gov/benefits/stateemployee/statebehavioralhealth.html
8. Substance Abuse and Mental Health Services Administration. (2026). Drug-Free Workplace Toolkit: Provide Support. SAMHSA. https://www.samhsa.gov/substance-use/drug-free-workplace/employer-resources/toolkit/provide-support
9. U.S. Department of Labor. (2026). DOL Workplace Violence Program: Appendices. U.S. Department of Labor. https://www.dol.gov/agencies/oasam/centers-offices/human-resources-center/policies/workplace-violence-program/appendices
10. U.S. Office of Personnel Management. (2026). Employee Assistance Programs. OPM Work-Life. https://www.opm.gov/policy-data-oversight/worklife/employee-wellness-programs/employee-assistance-programs/
11. U.S. Office of Personnel Management. (2026). How much will the EAP cost me?. OPM Work-Life FAQ. https://www.opm.gov/frequently-asked-questions/work-life-faq/employee-assistance-program-eap/how-much-will-the-eap-cost-me/
12. HealthCare.gov. (2026). Medically necessary: Glossary. U.S. Centers for Medicare and Medicaid Services. https://www.healthcare.gov/glossary/medically-necessary/
13. HealthCare.gov. (2026). Preauthorization: Glossary. U.S. Centers for Medicare and Medicaid Services. https://www.healthcare.gov/glossary/preauthorization/
14. HealthCare.gov. (2026). Deductible: Glossary. U.S. Centers for Medicare and Medicaid Services. https://www.healthcare.gov/glossary/deductible/
15. HealthCare.gov. (2026). Coinsurance: Glossary. U.S. Centers for Medicare and Medicaid Services. https://www.healthcare.gov/glossary/co-insurance/
16. HealthCare.gov. (2026). Out-of-pocket maximum/limit: Glossary. U.S. Centers for Medicare and Medicaid Services. https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/
17. U.S. Department of Labor, Employee Benefits Security Administration. (2026). Understanding Your Mental Health and Substance Use Disorder Benefits. U.S. Department of Labor. https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/understanding-your-mental-health-and-substance-use-disorder-benefits
18. HealthCare.gov. (2026). Network: Glossary. U.S. Centers for Medicare and Medicaid Services. https://www.healthcare.gov/glossary/network/
19. HealthCare.gov. (2026). Out-of-network coinsurance: Glossary. U.S. Centers for Medicare and Medicaid Services. https://www.healthcare.gov/glossary/out-of-network-coinsurance/
20. HealthCare.gov. (2026). Internal appeals. U.S. Centers for Medicare and Medicaid Services. https://www.healthcare.gov/appeal-insurance-company-decision/internal-appeals/

This page is for general information and is not medical advice. Only a licensed clinician who knows your history can tell you what is right for you. If you or someone you know is in immediate danger, call 911. For free, confidential support 24/7, call or text 988.

Author

Kevin Wandler, MD

Chief Medical Officer, The Recovery Village