Paying for mental health or addiction treatment is one of the most common concerns individuals and families have when considering care.
At Blue Hills Recovery in Massachusetts, we believe that financial questions shouldn’t prevent you from getting the help you need.
Our team works closely with you to understand your insurance coverage, explain your options clearly, and help you find a path forward that is both effective and financially manageable.
Whether you’re planning ahead or need support quickly, this guide explains how treatment at Blue Hills is typically paid for, and how we can help you navigate the process.
Using Insurance for Addiction & Mental Health Treatment at Blue Hills Recovery
Many health insurance plans cover some or all of the cost of addiction and mental health treatment in Massachusetts, including structured outpatient programs.
Blue Hills Recovery works with a wide range of major insurance providers, including:
- Aetna
- Beacon
- Blue Cross Blue Shield (BCBS)
- Cigna
- Humana
- Optum
- UnitedHealthcare
Coverage will vary depending on your specific plan, but many policies include benefits for:
- Partial Hospitalization Programs (PHP)
- Intensive Outpatient Programs (IOP)
- Outpatient therapy
- Medication-Assisted Treatment (MAT)
- Dual diagnosis care
If you’re unsure what your plan covers, you can speak directly with our team for a confidential review of your benefits.
What Factors Affect the Cost of Treatment at Blue Hills?
Even with insurance, out-of-pocket costs can vary. Several key factors influence how much you may pay.
Your Insurance Plan
Different plan types (PPO, HMO, EPO) affect:
- In-network vs. out-of-network coverage
- Referral or authorization requirements
- How much of your total treatment costs are covered
Deductibles, Copays, and Coinsurance
Depending on your policy, you may be responsible for:
- Meeting a deductible before coverage begins
- Covering copays for services
- Paying coinsurance (a percentage of the total cost)
Level of Care
The intensity of treatment plays a major role in cost.
That is, the more intensive the treatment program (typically) the more it costs overall:
- PHP (more structured, higher time commitment)
- IOP (moderate structure, fewer hours)
- Outpatient therapy (least intensive)
More structured programs typically involve higher costs, but also provide greater clinical support.
Length of Treatment
The duration of care can affect overall cost. While shorter programs may cost less upfront, longer or step-down care can support more stable, long-term outcomes.
Medications and Medical Services
If medications are part of your treatment plan, costs may include:
- Prescription medications (often covered under pharmacy benefits)
- Psychiatric evaluations
- Ongoing medication management
How Can You Pay for Treatment at Blue Hills If You Don’t Have Insurance?
If you don’t have insurance, you still have options to pay for care at our Massachusetts treatment center.
Many individuals pay for treatment using:
- Private pay (self-pay)
- Financing options
- Family support
- Health savings accounts (HSA) or flexible spending accounts (FSA)
Understanding the cost of treatment in advance can make it easier to plan and explore what’s realistic for your situation. Our team can walk you through pricing and available options so you can make an informed decision.Even without insurance, we work to find practical solutions so you can move forward with care.
Cost of Different Treatment Programs at Blue Hills Recovery
The cost of treatment varies depending on the level of care and individual needs.
Partial Hospitalization Program (PHP)
PHP is one of the more structured outpatient options, with full-day treatment several days per week.
Because it includes more hours of therapy, clinical oversight, and support, it typically falls on the higher end of outpatient treatment costs. However, insurance often covers a significant portion when care is medically necessary.
Intensive Outpatient Program (IOP)
IOP, or evening treatment, includes several therapy sessions per week but requires fewer hours than PHP.
As a result, it is generally more affordable than PHP while still providing consistent, structured support. For many individuals, IOP offers a balance between cost and level of care.
Outpatient Treatment
Outpatient therapy typically involves weekly sessions and is the most cost-effective level of care. Costs are usually limited to session-based copays or fees, making this a more accessible option for individuals with stable symptoms or those transitioning from higher levels of care.
Dual Diagnosis Treatment
Dual diagnosis care addresses both substance use and mental health conditions together.
While this approach may involve more comprehensive services, it can reduce long-term costs by preventing repeated or fragmented treatment and supporting more sustainable recovery outcomes.
How Blue Hills Recovery Helps You Access Care
We understand that cost can be a barrier, and we’re here to help reduce that barrier as much as possible.
Insurance Verification Support
During your free insurance verification call, our team will review your insurance benefits and explain:
- What your plan covers
- What your expected out-of-pocket costs may be
- What services are available to you
Clear, Upfront Communication
We believe in transparency. You’ll receive clear information about costs so you can make decisions with confidence.
Personalized Treatment Planning
We help match you with a level of care that fits both your clinical needs and your financial situation.
Support for Families
Families are often involved in treatment decisions. We work with loved ones to:
- Understand insurance and payment options
- Explore financial solutions
- Support long-term recovery planning
Our goal is to make treatment accessible, so financial concerns don’t stand in the way of getting help.
Paying for Medications and Ongoing Care at Blue Hills Recovery
Medications are often a large part of care for people in addiction treatment battling withdrawal symptoms and those in mental health care who need help with symptom management.
Medications are often billed separately through your insurance’s pharmacy benefits.
Depending on your plan:
- Some medications may require prior authorization
- Coverage may vary between brand-name and generic options
- Ongoing medication management may be included in treatment planning
Our team can help you understand how these costs fit into your overall treatment plan.
Find Out More About Affordable Care at Blue Hills Recovery in Massachusetts
Paying for treatment for addiction or mental health issues shouldn’t prevent you from getting the help you need.
At Blue Hills Recovery in Massachusetts, we work with you to understand your insurance, explore your options, and create a plan that supports both your recovery and your financial situation.
Reach out today to verify your benefits and take the first step toward care that works for you.
Sources
- American Society of Addiction Medicine (ASAM). (2020). The ASAM Criteria: Treatment Criteria for Addictive, Substance-Related, and Co-Occurring Conditions. Retrieved from: https://www.asam.org/asam-criteria. Accessed on April 30, 2026.
- Substance Abuse and Mental Health Services Administration (SAMHSA). (2023). Types of Treatment for Mental Health and Substance Use Disorders. U.S. Department of Health and Human Services. Retrieved from: https://www.samhsa.gov/find-support/learn-about-treatment/types-of-treatment. Accessed on April 30, 2026.
- U.S. Department of Labor. (2024). Mental Health Parity and Addiction Equity Act (MHPAEA): What It Means for Coverage. Retrieved from: https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/mental-health-parity/new-mhpaea-rules-what-they-mean-for-providers. Accessed on April 30, 2026.
FAQs About Paying for Treatment at Blue Hills Recovery
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A Life of Healing Can be Yours.
You deserve to become your best self. With decades of combined experience in the field of addiction medicine, our staff knows what it takes to build a foundation for recovery.