Insurance & Paying for Treatment
Most people pay far less than they expect. We check your benefits for free and explain your costs in plain English before you commit to anything.
Accredited by The Joint CommissionLegitScript certified4.9 stars from 150+ Google reviewsIn-network with Harvard Pilgrim & Tufts (Point32Health)How insurance works for our programs
Day Treatment (PHP), Intensive Outpatient (IOP), and Outpatient care are covered behavioral health benefits under most commercial health plans. Under the federal Mental Health Parity and Addiction Equity Act, insurers must cover mental health and substance use treatment on terms comparable to medical care. In practice, that means your plan usually covers treatment at Forrest after any deductible and copay or coinsurance that applies.
Some of the plans we work with
Forrest Behavioral Health is in-network with Harvard Pilgrim Health Care and Tufts Health Plan (Point32Health). We also work with many other commercial plans on an out-of-network basis, and out-of-network benefits are often better than people assume. The only way to know your exact cost is to let us verify your specific plan, which takes a few minutes and costs nothing.
Free, confidential benefits check: Submit your insurance details online or call (781) 570-5781. We’ll tell you what’s covered, what your deductible and copays look like, and whether any pre-authorization is needed. Checking your benefits does not obligate you to anything.
Understanding your costs
| Term | What it means for you |
|---|---|
| Deductible | The amount you pay each year before your plan starts sharing costs. If you’ve already met it this year, your out-of-pocket cost at Forrest may be very low. |
| Copay / Coinsurance | A fixed amount or percentage you pay per day or per session once your deductible is met. |
| Out-of-pocket maximum | The most you’ll pay in a plan year. Once you hit it, covered care is paid in full. |
| Pre-authorization | Some plans require approval before treatment begins. Our team handles this paperwork for you. |
If you don’t have insurance
Call us. We’ll discuss self-pay options and, if Forrest isn’t the right fit, help you find programs in Massachusetts that are. Massachusetts residents may also qualify for coverage through the Health Connector, and open enrollment or a qualifying life event can make coverage available quickly.
Frequently asked questions
Will my employer find out?
No. Your insurer does not share treatment information with your employer. Your privacy is protected by HIPAA and, for substance use treatment, by additional federal confidentiality rules (42 CFR Part 2).
How long does verification take?
Usually the same business day, often within an hour during business hours.
Does insurance cover IOP and PHP?
Most commercial plans cover both levels of care when they are medically necessary. Our clinicians document medical necessity as part of your assessment.
What is the difference between in-network and out-of-network?
In-network means we have a contract with your insurer and your cost-sharing is usually lower. Out-of-network care is still often covered, just at a different rate. We’ll show you both numbers.
Can I use my HSA or FSA?
Yes. Treatment at Forrest is a qualified medical expense.
Find out what your plan covers
It takes a few minutes and there’s no obligation. We’ll explain your benefits clearly and help you make a decision that works for your family and your budget.