Insurance & Payment
We're in-network with nearly every plan in Maine
Anthem, UMR/UnitedHealthcare, Aetna, Harvard Pilgrim, Martin's Point and MaineCare are all in-network with Portland Treatment. Cigna is the single exception, and we bill it as an out-of-network benefit. Being in-network is not a technicality: it means your care is billed at your plan's contracted rate, your coinsurance is calculated on that lower number, and there is no balance bill for the difference. For most families that is the gap between affordable treatment and a bill they can't pay.
Accredited & Licensed
LegitScript Certified
Joint Commission Accredited
Maine DHHS Licensed
Psychology Today Verified
Coverage guides by insurance plan
Each guide covers what that plan typically pays for at our Biddeford program, how authorization works, and what usually determines your out-of-pocket cost.
Anthem
In-networkIn-network. Maine's largest commercial insurer, with PHP, IOP, outpatient and MAT covered at contracted in-network rates.
Anthem coverage guide →UMR
In-networkIn-network. UnitedHealthcare's administrator for many self-funded Maine employer plans, billed at contracted rates.
UMR coverage guide →Cigna
Out-of-networkThe one plan we're out-of-network with. Many Cigna PPO plans still pay a share, and we look at single-case agreements.
Cigna coverage guide →MaineCare (Medicaid)
In-networkIn-network. Maine's Medicaid program, covering substance use treatment with little or no out-of-pocket cost for members.
MaineCare (Medicaid) coverage guide →Harvard Pilgrim
In-networkIn-network. A major New England insurer with a large Maine employer footprint and solid outpatient behavioral health benefits.
Harvard Pilgrim coverage guide →Martin's Point
In-networkIn-network. Portland-based nonprofit serving Maine veterans, military families and Medicare Advantage members.
Martin's Point coverage guide →Aetna
In-networkIn-network. One of the nation's largest insurers, with PHP, IOP, outpatient and MAT billed at contracted in-network rates.
Aetna coverage guide →Don't see your plan? We're also in-network with TRICARE, UnitedHealthcare and other regional carriers. Call 855-449-7674 and we'll confirm your network status in a few minutes.
How verification actually works
Share your card
Member ID and date of birth by phone or through our secure form. Nothing more.
We call your plan
We get the behavioral health benefit read directly from the payer, in writing.
You get real numbers
Deductible remaining, coinsurance, authorization requirements, estimated weekly cost.
We handle the rest
Prior authorizations, concurrent reviews and appeals are our job, not yours.
Insurance & payment questions
- Are you in-network with my insurance?
- Almost certainly. Portland Treatment is contracted in-network with every major payer in Maine we work with, including Anthem Blue Cross Blue Shield, UMR/UnitedHealthcare, Aetna, Harvard Pilgrim (Point32Health), Martin's Point and MaineCare. Cigna is the single exception, we bill Cigna as an out-of-network provider.
- Why does in-network matter for what I pay?
- In-network means we've agreed to your plan's contracted rate. Your deductible and coinsurance are calculated on that lower negotiated amount, the plan pays a higher percentage, and there's no balance billing. For most people that's the difference between a manageable cost share and thousands of dollars.
- What if I have Cigna?
- Call us anyway. Cigna is our only out-of-network plan, but many Cigna and Evernorth PPO and Open Access Plus plans still pay a real share of out-of-network outpatient care. We also pursue single-case agreements and network-adequacy exceptions, and we'll give you an honest number before you commit.
- How much does treatment cost with insurance?
- It depends on your deductible, coinsurance and whether the level of care needs prior authorization. Because we're in-network with nearly every plan, those numbers are based on contracted rates. We give you a written estimate before you start rather than a vague range.
- Do you accept MaineCare?
- Yes, and we're an enrolled in-network MaineCare provider. MaineCare covers outpatient substance use treatment, intensive outpatient programming and medication-assisted treatment with little or no cost sharing for members.
- What if I don't have insurance?
- Call us anyway. We can help you check MaineCare eligibility, look at CoverME.gov marketplace options, or discuss self-pay arrangements. We'd rather tell you the truth about cost than lose you to silence.
- Will using my benefits be confidential?
- Yes. Substance use treatment records carry extra federal protection under 42 CFR Part 2, and employers receive aggregate claims data only, not diagnoses or provider names.
Want the longer explanation? Read our Maine guide to what rehab actually costs.
Keep exploring
Related care at Portland Treatment
Programs to ask about
- Partial hospitalization program (PHP) in Biddeford
Our most structured day treatment, five days a week, home each night.
- Intensive outpatient program (IOP) in Southern Maine
Nine-plus clinical hours a week with day and evening tracks.
- Virtual IOP for anywhere in Maine
The same IOP curriculum by secure telehealth, statewide.
- Outpatient program (OP) for ongoing recovery
One to two sessions a week that fit around work and family.
Where we serve
- Addiction treatment in Biddeford, Maine
Our home clinic, in the mill district off Route 111.
- Addiction treatment for Portland, Maine
A 20-minute drive down I-95 from the Portland peninsula.
- Addiction treatment for Saco, Maine
Minutes across the river from our Biddeford clinic.
- Addiction treatment for South Portland
Easy access from Maine Mall and Broadway.
Helpful reading
- Does insurance cover rehab?
Coverage, costs and what to ask your plan.
- Working during rehab
Evening IOP, FMLA and keeping your job in treatment.
- Maine recovery resources directory
Local meetings, crisis lines and state programs.
- Contact admissions
Call, message or verify coverage, answered 24/7.
Find out what your plan covers
today
855-449-7674Answered 24 hours a day, 7 days a week. Free and confidential.