Portland Treatment
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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, as is Cigna. 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.

855-449-7674

Accredited & Licensed

  • LegitScript CertifiedLegitScript Certified
  • The Joint Commission National Quality ApprovalJoint Commission Accredited
  • Maine Department of Health and Human ServicesMaine DHHS Licensed
  • Verified by Psychology TodayPsychology 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-network

In-network. Maine's largest commercial insurer, with PHP, IOP, outpatient and MAT covered at contracted in-network rates.

Anthem coverage guide →

UMR

In-network

In-network. UnitedHealthcare's administrator for many self-funded Maine employer plans, billed at contracted rates.

UMR coverage guide →

Cigna

In-network

We're in-network with Cigna. Verify your outpatient treatment benefits and get an estimate of your cost before you start.

Cigna coverage guide →

MaineCare (Medicaid)

In-network

In-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-network

In-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-network

In-network. Portland-based nonprofit serving Maine veterans, military families and Medicare Advantage members.

Martin's Point coverage guide →

Aetna

In-network

In-network. One of the nation's largest insurers, with PHP, IOP, outpatient and MAT billed at contracted in-network rates.

Aetna coverage guide →

Community Health Options

In-network

In-network. Maine's own nonprofit health plan, popular with individuals, families and small businesses buying Marketplace coverage.

Community Health Options coverage guide →

Blue Cross Blue Shield

In-network

We work with most Blue Cross Blue Shield plans. Call us and we'll check whether yours is covered here.

Blue Cross Blue Shield 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

Step 1

Share your card

Member ID and date of birth by phone or through our secure form. Nothing more.

Step 2

We call your plan

We get the behavioral health benefit read directly from the payer, in writing.

Step 3

You get real numbers

Deductible remaining, coinsurance, authorization requirements, estimated weekly cost.

Step 4

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 also in-network with Portland Treatment. We verify your specific plan's benefits before treatment.
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?
Portland Treatment is in-network with Cigna. Call us for a free benefits check so we can confirm your specific Cigna or Evernorth coverage, authorization requirements and expected cost 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

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Helpful reading

Find out what your plan covers
today

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