Rehab Centers That Accept HealthComp Insurance

Addiction treatment services can be expensive, and they’re an important part of healing and recovery. Having insurance offsets the financial burden of treatment, and understanding your coverage helps you get the most out of your benefits.

Rehab insurance options with HealthComp (which became Personify Health in 2024) will depend on which plan you have. Because the company is a third-party management system, you may have multiple health insurance companies to choose from, but you will file claims and manage your healthcare through HealthComp’s website.

Check with your employer or log into your HealthComp account to find out which insurance benefits are accessible to you, what you may have available through a Flexible Spending Account (FSA) or Health Savings Account (HSA), and how to ensure you have the correct pre-approvals.

If you need help with HealthComp rehab coverage, you can use RehabNet to explore your rehab insurance options. Our professionals can verify your coverage and connect you with the best HealthComp-covered addiction treatment in your area.

HealthComp Insurance (now Personify Health) is a third-party administrator (TPA) company that partners with insurance providers and employers around the world to make accessing and understanding healthcare easier. As long as your chosen insurer through HealthComp offers mental health and substance use disorder (SUD) coverage, then drug rehab should be covered.

Under the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA), insurance providers must cover SUDs and mental healthcare at the same rates they cover medical and surgical care.

In other words, if you need addiction treatment for drug or alcohol use that requires hospitalization, your coverage and out-of-pocket expenses should match what they would be if you were hospitalized for any other illness or surgical need.

The Patient Protection and Affordable Care Act of 2008 (ACA) requires insurance plans sold through the Healthcare Marketplace to cover ten essential health benefits (EHB), which include mental health/SUD treatment. These policies must also cover pre-existing conditions, and they cannot penalize you for having a pre-existing condition or place limits on the care you can receive for mental health or rehabilitative services.

With a TPA like HealthComp, you should be able to manage most of your benefits from one account. You can log in to see your Explanation of Benefits (EOB), which should tell you what percentages of treatment are paid by your policy. That will give you an idea of HealthComp drug rehab coverage for you or your loved ones, and you can use that information when you contact treatment programs.

Specifics about inpatient and outpatient rehab centers in your HealthComp network should be listed in the provider directory. A search of the directory gives you the contact information for each facility, and you can reach out to them directly to verify that they accept your insurance and what they charge for treatment.

HealthComp also provides incentives for you to complete certain activities with an evidence-based approach. You and your family members may be able to use these as guidance for treatment options and long-term recovery.

If this seems overwhelming, RehabNet is here to help. We can verify your insurance coverage and whether a facility accepts your plan. We can also explain what costs will be paid by your plan and what you might expect to pay out-of-pocket.

Individual policies will vary, but addiction treatment services include a few general types across the board. To find out more about what your policy covers and what may be your responsibility, check with your provider or contact RehabNet.

Covered drug and alcohol rehab services under HealthComp may include:

• Detoxification programs: social and medical detox to help with withdrawal symptoms
• Inpatient treatment: in-hospital care with medical and mental health services
  Outpatient treatment: intensive outpatient programs (IOP), partial hospitalization programs (PHP), and other levels of outpatient care
• Medication-assisted treatment (MAT): usually applied to opioid and alcohol addiction
• Behavioral therapy and counseling: individual, group, and alternative sessions may be covered, as well as co-occurring disorders
• Aftercare and relapse prevention: continued therapy, sober living communities, MAT

Your healthcare provider team will perform an initial assessment of your addiction severity, mental health, and other aspects of your life to determine the best path for recovery. This will inform the treatment plan they design, which may include a range of therapies.

For example, a more severe addiction coupled with an unstable home environment can be a cause for inpatient rehab with HealthComp. Working through that can put you in a place to reduce the levels of care from 24/7 treatment to a transitional PHP or IOP as part of HealthComp’s outpatient addiction treatment.

If you have the option of returning home and receiving treatment part-time, then that will factor into your plan. Otherwise, you may be directed to a sober living community for residential treatment that removes you from things in your life that triggered you to use. The goal is to give you the tools to build a life of substance abuse treatment recovery and avoid as many chances of relapse as possible.

Many factors can impact your rehab coverage under HealthComp. What your employer chooses to offer you and what is available in your state are two of the largest factors. While federal laws under the ACA and MHPAEA offer some regulation, insurers can opt out of certain components, and state laws can affect how benefit requirements can be enforced.

Your plan type and level of benefits will determine what portion of care is covered by your policy. You may have a higher deductible, copays, coinsurance, and other out-of-pocket HealthComp rehab costs. Your coverage area may also be limited, meaning if you choose care out-of-network, you may be responsible for a higher portion of rehab costs or the total amount, such as if you have a Health Maintenance Organization (HMO) or Exclusive Provider Organization (EPO) policy.

Some types of policies and procedures will require you to request and receive preauthorization for rehab services. While your insurer may not be able to restrict how much you can receive on the backend, they can often put up barriers to treatment in the form of preauthorization requirements.

You have to check with both your insurance provider and the treatment center you want to determine what your insurance policy covers and if the center accepts your specific plan. Unfortunately, it is possible to have an insurer cover a facility that doesn’t accept their policies or to have a treatment center reject an insurance plan even if your provider states they cover treatment. You may also be placed on a waitlist if your policy coverage area is limited and the facilities are full.

Whether an out-of-network rehab program is covered depends on your plan type. HMOs and EPOs do not cover out-of-network treatment of any type unless it is emergency care. PPOs will cover out-of-network care, but they will pay less to those providers than to those who are in-network.

All insurance companies contract with doctors, specialists, labs, hospitals, and other medical providers to create a network. They encourage patients to use this network for all of their healthcare needs, and the providers agree to a set pricing structure in exchange. The partnership can save patients money and offer a specific framework for seeking and receiving treatment.

If the rehab facility you want to use is out-of-network with your insurance plan, check your policy type. If it will still pay some benefits and you can afford the out-of-pocket expenses, you may want to move forward with treatment. If your plan won’t cover any portion of the treatment (sometimes a specific provider’s services may be in-network, but other components can be out-of-network), you can check with your employer about options for switching insurance plans. HealthComp policy limitations may not allow changes outside of open enrollment periods.

If you can afford out-of-network addiction treatment with your HealthComp policy, then that may be your best option. If you can’t, then you may need to get started with care in-network and then change plans once the next open enrollment period is available.

HealthComp has a global network, offering insurance across a range of plan types. These can include short-term health insurance plans, employer-sponsored health plans, and individual and family health plans. It can also include local, regional, statewide, or national options, including programs like Medicare and Medicaid. Consult your account or your employer’s human resources (HR) department to understand what policy options you have under HealthComp employer-sponsored addiction treatment.

HealthComp accredited providers and network partners can include:

• Aetna
• Alliance MRF
• Anthem
• Amps
• BCBSAZ MRF
• Blue California
• BlueCross BlueShield Arizona
• BlueCross BlueShield Arizona with Mayo
• Cigna
• ComPsych GuidanceResources
• ComPsych MRF
• Degrees Health
• Elap Services
• Fairos
• Gilsbar 360 Alliance
• Health Management Network (HMN)
• HST
• Medcost
• Medicaid
• Medicare Advantage
• MultiPlan
• Northwell Direct
• Optum
• PHCS
• Tricare
• United Healthcare

HealthComp plan differences will be impacted by which partners your company uses, what policies they offer under those partners, and what level plan you select during enrollment. All of this determines your out-of-pocket costs and maximums.

HealthComp insurance addiction help covers multiple types of substance abuse. The coverage is more specific to the treatments that apply to your addiction rather than what the addiction is. For simplicity, it’s sometimes easier to state the types of addiction covered instead of using complex medical terminology for addiction and mental health treatment.

Substance use disorders covered by HealthComp can run the gamut. Whether your drug addiction is to prescription medications or opioids like heroin, HealthComp drug rehab coverage should apply. This also includes cocaine, stimulant, benzodiazepine, and marijuana addiction.

HealthComp alcohol rehab covers behavioral treatment and MAT, should your addiction severity require it. Mental health conditions need services like group therapy sessions and individual counseling, which should be at least partly covered under some component of your insurance. It may be divided between your employee assistance program (EAP) and medical benefits.

HealthComp provides a directory for its clients on its website. You can select your provider, log into your account, and use the search feature for rehab centers that accept HealthComp. From there, call or email the treatment providers who fit your needs to confirm insurance acceptance. If the information is inaccurate, contact HealthComp or your HR department for help.

Or to streamline your search, use a service like RehabNet to find rehab centers that accept HealthComp. Our online database is updated regularly, and we have professionals available 24/7 to connect you with counselors and rehab centers that are covered by your insurance and in your area.

Deciding to get treatment for your addiction is a huge step. Sometimes, what comes after such a declaration can be overwhelming. You know you want to seek treatment, but you’re unsure of where to begin. Fortunately, services like RehabNet can step in and cover the gap between your decision and getting you the help you need. We can verify your HealthComp insurance, help you search for rehab centers in your area, and match you with a facility that meets your needs and is covered by your policy.

You don’t have to take the next steps alone. Asking for help can be hard, but taking care of yourself and going to rehab to improve your quality of life are available. It’s important to go about recovery the right way to get the best chance of success. Relapse is a normal part of recovery, but rehab can provide the tools for how you deal with relapse and honor your recovery journey. RehabNet addiction help is readily available, and we can ensure you get the best rehab with your HealthComp benefits. Use our helpline today.