Insurance & Payment

Clearer information. Fewer surprises before care begins.

North Andover Behavioral Health participates with a range of insurance plans and also offers self-pay options. Insurance participation varies by provider, service, and plan. Our team can help verify coverage for the provider assigned to your care before your appointment.

Before Your Appointment

Understanding coverage starts with your specific plan.

Insurance participation varies by provider, service, and individual health plan. A plan being listed as accepted does not necessarily mean that every provider or service participates with every plan.

Our front-end team will verify that the provider assigned to your care is in-network with your specific insurance plan prior to your appointment. Patients may also wish to contact their insurance company to understand deductibles, copayments, coinsurance, authorization requirements, and other benefit details.

Coverage decisions and final benefit determinations are made by the insurance company. Patient financial responsibility may depend on the terms of the individual policy.

Accepted Insurance

Coverage by service

Insurance participation varies by provider and plan. Our front-end team will verify that the provider assigned to your care is in-network with your specific insurance plan prior to your appointment.

Therapy

Our therapists currently accept the following insurance plans:

  • Blue Cross Blue Shield
  • Harvard Pilgrim
  • Cigna
  • Aetna
  • UnitedHealthcare

Medication Management

In addition to commercial insurance plans, our medication management providers accept select MassHealth plans and Medicare plans.

  • Commercial Insurance Plans
  • WellSense
  • Tufts Public Health Plans
  • Medicare Plans
Confirming Your Benefits

What to know before treatment begins.

Our team will verify that the provider assigned to your care is in-network with your specific plan prior to your appointment. Reviewing your individual benefits can also help you understand expected out-of-pocket costs and other insurance requirements.

01

Is my provider in network?

Insurance participation varies by provider and plan. Our front-end team will verify that the provider assigned to your care is in-network with your specific insurance plan prior to your appointment.

02

What will I owe?

Your insurance company can provide information about your deductible, copayment, coinsurance, out-of-pocket responsibility, and whether different services have different benefit levels.

03

Is authorization required?

Coverage may include referral, prior-authorization, visit-limit, or other requirements depending on your plan and the service you are receiving.

Billing & Payments

Clear payment expectations before care begins.

Self-pay options are available for patients who do not have insurance, prefer not to use insurance, have an out-of-network plan, or are seeking a service that is not covered under their policy. Billing statements and payments are managed through the athenahealth Patient Portal.

  • Self-pay rates are available upon request.
  • Payment-plan options may be available.
  • Billing statements and payments are managed through the athenahealth Patient Portal.
  • A valid credit or debit card is required to be kept on file when scheduling an appointment.
  • The card on file may be used for applicable patient financial responsibility in accordance with NABH's financial policies.
Insurance Questions

Helpful answers before you schedule.

These answers provide general guidance. Your insurance company remains the source for final information about your personal benefits and financial responsibility.

Does accepting my insurance mean all services are covered?

Not necessarily. Insurance participation varies by provider, service, and plan. Coverage may also depend on your deductible, copayment, coinsurance, referral requirements, authorization rules, and the terms of your individual policy.

Will NABH verify that my provider is in network?

Yes. Our front-end team will verify that the provider assigned to your care is in-network with your specific insurance plan prior to your appointment.

Because benefit details and patient financial responsibility are determined by your insurer, you may also wish to contact your insurance company for information about your individual benefits.

What should I do if my insurance is not listed?

Contact the office to discuss your plan, the service you are seeking, and available payment options.

You may also ask your insurance company whether out-of-network behavioral health benefits are included in your policy.

Can the office guarantee what my insurance will pay?

No. The insurance company determines how a claim is processed and what portion is assigned to the patient. Benefit information provided before an appointment is not always a guarantee of payment.

Can I use self-pay even if I have insurance?

Self-pay may be available depending on the service and circumstances. Contact the office to discuss available payment arrangements before scheduling.

Are payment plans available?

Payment-plan options may be available. Availability and terms may depend on the service provided and the individual account. Contact the office for more information.

How are billing statements and payments handled?

Billing statements and payments are managed through the athenahealth Patient Portal.

A valid credit or debit card is required to be kept on file when scheduling an appointment. The card on file may be used for applicable patient financial responsibility in accordance with NABH's financial policies.

What information should I have when contacting the office?

Have your insurance company name, member identification number, plan information, the name of the person receiving care, and the type of service you are seeking available when possible.

Need Help With Coverage?

Let us help you understand the next step.

Contact North Andover Behavioral Health with questions about accepted plans, provider participation, self-pay options, billing, or the information needed before scheduling.

Insurance participation varies by provider and plan. Our front-end team will verify that the provider assigned to your care is in-network with your specific insurance plan prior to your appointment.