Employers Health Network (EHN) Mental Health Insurance Coverage
You might first come across Employers Health Network mental health coverage when trying to access support at a time when you’re already overwhelmed. But you may also find the language difficult to understand and encounter options that aren’t always clear. Plus, it’s not uncommon to overthink the process.
Costs associated with treatment and concerns about navigating coverage can be a big barrier to treatment. The team at Mission Connection is here to assist you in finding the help you deserve. And sometimes that means helping you understand your insurance.
For this reason, our goal with this article is to help you understand:
- What Employers Health Network is, how it works, and what services it covers
- How EHN determines coverage and cost
- How you can get started with coverage and why verifying your insurance matters
- Answers to commonly asked questions about Employee Health Network
What Is Employers Health Network (EHN)?
Employers Health Network, often shortened to “EHN,” delivers an extensive range of healthcare plans for employers and organizations to offer high-quality healthcare services.1 Employers often partner with health networks, like EHN, to make workplace mental health benefits easier to access and use. They connect you with EHN behavioral health providers who already meet specific clinical and credentialing standards.
Basically, EHN helps organize how mental health care shows up in your benefits, so finding support doesn’t feel like starting from scratch. This reflects a wider shift in mental health care with federal parity laws requiring mental health coverage to match medical coverage.2
Unfortunately, research shows that despite nearly 98% of employees having access to employer-sponsored healthcare services, only about 4% use them each year.3 People may be less likely to use them because of a lack of knowledge or confusion about the services offered, worry about costs, or concern for privacy. EHN works to help close the gap between having benefits and being able to use them.
How EHN Mental Health Coverage Typically Works
EHN works through your employer-sponsored benefits. They’re responsible for working with you and the healthcare providers to assist you in gaining access to care. Here are a few aspects to understand to make the process clearer:
In-Network vs. Out-of-Network Care
EHN organizes care around in-network providers. Meaning that when you choose EHN insurance accepted therapy, your plan will typically cover a larger portion of the cost. This helps keep out-of-pocket expenses more predictable.
Out-of-network care means you’re using a provider who does not have a contract with EHN. While it’s still possible to use an out-of-network provider, these often come with higher costs and more paperwork, which can delay starting treatment.
With out-of-network providers, EHN may not cover the services; you will need to submit more paperwork, or your balance will be higher. The upside to out-of-network, though, is that you have access to a larger provider pool.
Referrals, Authorizations, and Session Limits
Some plans require referrals, prior authorizations, or set limits on the number of covered sessions. While these steps can feel restrictive, they often serve as guardrails that clarify coverage early and reduce surprises later. Knowing these details upfront helps many people move forward with care more confidently, rather than stopping midway because of unexpected barriers. So, you might find it helpful to talk to your insurance provider to discuss these concerns.
What Mental Health Services Does ENH Usually Cover?
EHN therapy services usually cover anything from outpatient to inpatient, depending on your needs and the severity of your symptoms. Of course, coverage details can vary based on your employer plan, but most often, you can find options such as:
Outpatient Therapy and Counseling
Most people use EHN outpatient mental health treatment as their starting point into treatment. In fact, data show that around 8.5% of adults used outpatient services in recent years.4
Outpatient therapy is the least intense form of treatment, where you may meet with a therapist or attend a group once a week or biweekly. This care is the least disruptive to your daily routine, allowing you to continue with work, school, or family responsibilities. Outpatient is a great option if you’re seeking EHN mental health help for concerns like stress, life transitions, and emotional overwhelm.
Intensive Outpatient Programs (IOPs)
Sometimes weekly therapy doesn’t feel like quite enough, but inpatient care isn’t the right fit either. In these cases, some plans include coverage for intensive outpatient programs (IOPs).
IOPs offer several hours a day (usually around three to five) of therapy multiple days per week. This level combines individual sessions, group therapy, and skill-building support. IOPs can be especially helpful if you’re experiencing increased symptoms or when outpatient treatment alone doesn’t feel like enough.
Partial Hospitalization Programs (PHPs)
PHPs provide a higher level of care and more structure than IOPs and outpatient services, but they still allow you to return home each day. They typically involve a full day of treatment up to five days per week.
PHP’s focus is on stabilization, skill-building, and managing symptoms. They offer individual and group therapy, alongside medication management. When covered, PHP services unite the gap between inpatient care and outpatient treatment, offering structured support without full hospitalization.5
Inpatient Mental Health Care
Sometimes people need more than outpatient care can provide. In these situations, some plans offer coverage for EHN inpatient mental health care. If you’re looking for inpatient care, you’re likely dealing with severe symptoms, are unable to manage at home, or feel unsafe. Inpatient services usually require prior authorization and clear clinical criteria, but they play an important role when intensive, short-term support is necessary.
Dual Diagnosis and Complex Care Needs
Having co-occurring mental health conditions is very common, with around 25.8% of adults having a dual diagnosis.6 Certain plans include EHN dual diagnosis coverage, which supports you if you’re experiencing multiple mental health concerns. This type of coverage often emphasizes coordinated care and clear treatment planning, helping ensure that mental health support remains consistent.
Understanding these different options may feel daunting if you’re unsure of the level of care you need. If this is the case, you can take our complimentary mental health assessment to get some insight into your mental health and find out what treatment might be best for you.
What Determines Coverage and Cost With EHN?
There are many factors that determine EHN coverage and cost. What is covered and how much treatment will cost are typically influenced by:
- Your employer’s specific plan design.
- Whether the treatment meets clinical necessity and the level of care.
- Whether you use an in-network or out-of-network provider.
- If you or the provider verifies benefits before starting care.
Knowing what influences the costs early on usually makes it easier to start treatment without financial surprises from getting in the way. A mental health professional, such as the team at Mission Connection, can help you understand whether your treatment needs are covered.
How to Get Started With Mental Health Support Through EHN
You don’t have to have everything figured out to start mental health care through EHN. Sometimes the hardest part is knowing where to start and what questions to ask. Breaking the process into smaller steps can make things feel more manageable.
Here’s how you can start.
First, reach out to a provider or care team who can walk you through the options that are available to you and discuss with you how coverage works.
From there, you can explore which services meet your needs, availability, and level of support, whether that’s outpatient therapy or something more structured.
Why Verifying Your EHN Benefits Matters
Checking your benefits early often clears up questions that would otherwise linger once care starts. In other words, verifying your benefits before starting care can save you a lot of stress later. Doing this helps you shed light on what services your plan covers, how many sessions may be included, and what costs to expect before care begins.
Getting this knowledge takes out some of the guesswork, so you can start treatment with a better understanding of your financial expectations. After this, all you have to concern yourself with is healing.
At Mission Connection, our team helps untangle insurance details and walks you through what your options actually look like in practice.
Mission Connection: Support Beyond Insurance Confusion
Insurance details often add stress at a moment when you’re already trying to take care of yourself. At Mission Connection, we help people make sense of Employers Health Network mental health benefits without letting coverage questions take over the process. Our team supports people using EHN behavioral health coverage by clarifying options, coordinating care, and helping reduce uncertainty before treatment begins.
Our outpatient services work alongside real life, offering in-person sessions, virtual care, and group therapy without locking you into a single format. We work within EHN behavioral health coverage in a way that keeps care aligned with both your needs and clinical standards, without losing sight of the person involved.
When you’re ready to explore what support might make sense for you, contact our team. We’re here to talk it through with you.
FAQs About EHN Mental Health Coverage
If you’re considering using EHN mental health coverage for treatment, you may have some continuing questions. This is normal – and also why we’ve provided the following answers to FAQs we frequently encounter.
Is Employer Health Network (EHN) an Insurance?
EHN is not an insurance itself, but rather a network that works to provide employers and employees access to healthcare providers. Their goal is to offer services at a lower rate. It offers healthcare coverage to companies with more than 50 employees.
What Are Some Disadvantages of Employer-Sponsored Health Insurance?
Employer-sponsored plans can offer valuable access, but they also come with limitations. Coverage details may change if you switch jobs, provider options may feel narrower than private pay, and navigating approvals or session limits can feel frustrating. These plans usually prioritize structure and cost control, which can create extra steps before care begins.
How Many Sessions Does EHN Usually Cover?
The number of sessions that EHN covers depends entirely on your specific plan and level of care. Some plans may cover a set number of therapy sessions per year, while others approve services based on clinical need. Verifying your benefits will help you get a better picture of what your plan supports and how coverage may change over time.
Do I Need to Use My Employer’s Health Insurance?
No, you don’t have to use your employer’s health insurance. If you don’t use your employer’s insurance, you can opt to pay out-of-pocket for treatment. Or if you have private insurance, you can decide to use that. However, these choices are often more expensive than employer-sponsored insurance.
Can Mission Connection Help Me Understand My EHN Benefits?
Yes, we will work with you to explain benefits, verify insurance, and answer any questions you may have before treatment starts. Our goal is to make the process of seeking help feel clearer and less overwhelming.
References
- Employers Health Network. (2025, January 21). About – Employers Health Network. https://www.employershealthnetwork.com/about/
- American Psychiatric Association. (n.d.). Mental health parity. Retrieved January 6, 2026, from https://www.psychiatry.org/psychiatrists/advocacy/federal-affairs/health-insurance-coverage-access-to-care/mental-health-parity
- Mental Health America. (2025, October 24). How can we promote our EAP to increase its usage? https://mhanational.org/resources/how-can-we-promote-our-eap-to-increase-its-usage/
- Olfson, M., McClellan, C., Zuvekas, S. H., Wall, M., & Blanco, C. (2024). Trends in outpatient psychotherapy among adults in the US. JAMA Psychiatry, 82(3), 253. https://doi.org/10.1001/jamapsychiatry.2024.3903
- Khawaja, I. S., & Westermeyer, J. J. (2010, February 1). Providing crisis-oriented and recovery-based treatment in partial hospitalization programs. https://pmc.ncbi.nlm.nih.gov/articles/PMC2848466/
- Jegede, O., Rhee, T. G., Stefanovics, E. A., Zhou, B., & Rosenheck, R. A. (2022). Rates and correlates of dual diagnosis among adults with psychiatric and substance use disorders in a nationally representative U.S sample. Psychiatry Research, 315, 114720. https://doi.org/10.1016/j.psychres.2022.114720