We accept the following insurances (see below for more specific plans):

Tufts Commercial Plans


Blue Cross Blue Shield of MA


Beacon Health Strategies

Beacon Health Options (formerly ValueOptions)

Aetna Healthcare

Cigna Healthcare

Mass Bay Counseling is not in network with MassHealth.

Please keep in mind due to licensing and credentialing processes, not all of our counselors are in with all insurance plans.  As a courtesy, Mass Bay Counseling will bill your health plan to recover fees for your counseling services. As is customary in both medical and dental practices, co-payments are always collected at the time the services are rendered.

Mass Bay Counseling accepts almost all HMO, PPO and indemnity insurance plans. While there are a few exceptions, our staff will assist you in determining your level of coverage. In some instances, the subscriber or client must call their health plan to obtain authorization prior to beginning treatment. If this is the case we will notify you of that when you call to schedule your first appointment. It is not uncommon for health plans to carry a deductible or other costs. Please call your health plan to insure your awareness of available benefits.

Additionally, we have preferred provider relationships with many Employee Assistance Programs, (EAP’s). These can allow a covered client to receive free consultations for the first 1 – 3 visits. Talk with your company human resources department or union benefits officer regarding EAP availability.

We cannot be liable for any balance not paid by your insurer. Please understand that clients are responsible for any balance not covered by their health plan. Provided that MBC fulfills its contractual obligations and payment is not received within 90 days from the date of service, clients pay the outstanding balance.

If you are not sure what company your insurance is under, here is a full list of specific insurance plans that Mass Bay Counseling is in network with:

  • Tufts Commercial Plans
    • Advantage HMO/ HMO Saver
    • Advantage PPO/ PPO Saver
    • Carelink Plans
    • HMO- Health Maintenance Organization
    • PPO- Preferred Provider Organization
    • Tufts Health Premier
  • Optum
    • Always Health Partners (formerly Neighborhood Health Plan)
      • Partners Healthcare
    • Harvard Pilgrim
      • HealthPlans Inc
    • United HealthCare
      • Oxford Health UHC
      • All Savers UHC
    • United Behavioral Health
    • AARP Medicare Supplement Plan
  • Blue Cross Blue Shield of MA
    • Blue Benefit Administrators of MA
    • HMO Blue
    • HMO Blue New England
    • PPO
    • Medex Medicare Supplement
  • Medicare
  • Beacon Health Strategies
    • GIC Unicare State Indemnity Plan
    • BMC HealthNet
    • BMC HealthNet Community Alliance
    • BMC HealthNet Signature Alliance
    • Fallon
      • Wellforce Care Plan
    • Senior Health Whole Health Plan
  • Beacon Health Options (formerly ValueOptions)
  • Aetna Healthcare
  • Cigna Healthcare
    • HSA Qualified HDHP
    • Open Access Plus
    • Open Access Plus – CareLink
    • Choice Fund HRA Open Access Plus – CareLink