Insurance

Harvard Pilgrim and Tufts Health Plan Coverage for Addiction Treatment in New Hampshire

Harvard Pilgrim Health Care, Tufts Health Plan and their parent, Point32Health, are all on the list of plans accepted at our Londonderry program. Here is what these plans typically cover for outpatient addiction treatment in New Hampshire, how authorization and copays usually work, and how to get an answer about your own plan in one call.

New Hampshire coverage

Coverage check

Check my coverage.

No card needed. Admissions checks your benefits with the carrier and calls you back with what your plan covers.

We call within minutes during the day. Need an answer now? The line is answered 24/7. Call (603) 769-8981

Step 1 of 2

Checking coverage in New Hampshire. Your name and a mobile number is all we need to start.

By pressing the button you agree Clear Steps Recovery may call or text you at this number. Privacy Policy

What happens when you call

One call starts everything. Here is what to expect.

  1. You call, we answer

    The admissions line is answered 24/7. A real person picks up, no menu and no callback queue.

  2. Benefits check within minutes

    We check your insurance with the carrier at no cost and tell you what your plan covers.

  3. A short clinical assessment

    A clinician talks through what is going on and matches you to the right level of care.

  4. You start

    We schedule your first day, same day in many cases, at the office closer to you.

What we will ask: your name, a callback number, which state, and only if you have it, your insurance card.

What Harvard Pilgrim and Tufts typically cover

Point32Health plans and outpatient addiction treatment in New Hampshire

Harvard Pilgrim Health Care and Tufts Health Plan came together under one parent company, Point32Health, and both names are still on member cards in 2026. Harvard Pilgrim is one of the four carriers selling on HealthCare.gov in New Hampshire. Since late 2023, Point32Health manages behavioral health benefits itself rather than through an outside company, which in practice means one set of rules for the medical and the substance use side of your plan.

At our Londonderry center, Harvard Pilgrim and Tufts members typically use these levels of care:

  • Partial Hospitalization (PHP). Many plans cover PHP when a clinical assessment supports it, with authorization usually approved before the first day.
  • Intensive Outpatient (IOP), day or evening. Many plans cover IOP. Some want authorization first, some only notification, and the plan decides which.
  • Outpatient (OP). Weekly therapy is usually billed like other specialist visits, with a copay or coinsurance.
  • Medication-Assisted Treatment (MAT). The visits are covered like other outpatient care on most plans. The medication runs through your pharmacy benefit and its formulary.

Coverage depends on your plan. A Harvard Pilgrim HMO from a New Hampshire employer, a Tufts PPO from a Massachusetts employer and a marketplace plan can carry different deductibles, copays and authorization rules. We verify your benefits in one call and explain what applies to you before anything is scheduled.

Levels of care

Levels of care Harvard Pilgrim and Tufts members use at our Londonderry center

Every level is outpatient. You sleep at home and keep your life around treatment. Detox, when it is needed first, is arranged by referral to a partner facility.

Prior authorization and copays

How the paperwork usually works with Harvard Pilgrim and Tufts

Admissions and our clinical team handle every step of this. Here is what it looks like from your side.

  1. 01

    One reviewer for the whole plan: Point32Health reviews substance use care in-house, using the ASAM Criteria to match the request to a level of care. Our clinicians use the same framework, so the two conversations line up.

  2. 02

    Authorization before PHP: Partial hospitalization usually needs approval before day one. We send the assessment and treatment plan and manage the continued-stay reviews while you are in the program.

  3. 03

    IOP and outpatient depend on the plan: Some plans authorize IOP up front, others treat it like outpatient care with no approval step. Standard outpatient visits rarely need approval. We check your plan's rule during the benefits call.

  4. 04

    Deductible, copay, coinsurance: Most commercial plans apply the deductible first, then a copay per visit or a percentage of the allowed amount. HMO plans tend to use flat copays, PPO plans more often use coinsurance.

Harvard Pilgrim, Tufts Health Plan and Point32Health are all listed among the plans accepted at our New Hampshire program, at 1D Commons Dr, Units 21 & 22, Londonderry, NH 03053, off Route 102 at I-93 Exit 4, about 15 minutes from Manchester and 20 from Nashua and Salem. Networks are plan-specific, so during the benefits check we confirm your exact plan against our contract.

These plans are also accepted at our Needham, MA center. If you live closer to Boston, read the Massachusetts version of this page, or call and admissions will point you to the right office.

One thing we say plainly: we are not in network with Medicare at this time. If Medicare is your primary coverage, call anyway. Admissions can point you to options, and FindTreatment.gov, the federal treatment locator, lists programs that accept it.

Where you are covered

Our Londonderry, NH center is the office for Harvard Pilgrim and Tufts members in New Hampshire

Harvard Pilgrim and Tufts questions

Harvard Pilgrim, Tufts and rehab in New Hampshire: common questions

Short answers here, and a real one for your plan when you call (603) 769-8981.

Does Harvard Pilgrim cover IOP in New Hampshire?
Many Harvard Pilgrim plans cover intensive outpatient treatment when a clinical assessment supports it. Whether authorization is needed first, and what you pay per session, depends on your plan. Call (603) 769-8981 and we will check before you start.
Does Tufts Health Plan cover PHP in NH?
Partial hospitalization is a covered level of care on most Tufts plans, and it usually needs approval before day one. Our clinicians send the assessment and treatment plan and handle the reviews during treatment.
Is Harvard Pilgrim the same as Tufts now?
They share a parent company, Point32Health, and one behavioral health review process, but they are still separate plans with separate networks and benefits. Read the name on your card and we will check that plan specifically.
Does Harvard Pilgrim cover Suboxone or Vivitrol?
The office visits are covered like other outpatient care on most plans. The medication goes through your pharmacy benefit, which may prefer one product over another. We check both sides in the same call.
Do you take Medicare or a Harvard Pilgrim Medicare plan?
We are not in network with Medicare at this time. If Medicare is your primary insurance, admissions can point you to options, and FindTreatment.gov lists programs that accept it.

Check my coverage

Find out what your plan covers before you decide.

Most insurance accepted. Your name and a number is all we need. Admissions checks your benefits with the carrier at no cost and calls you back with what your plan covers. Admissions line answered 24/7.

Check my coverage

Free, confidential, no obligation.

Find out what your Harvard Pilgrim or Tufts plan covers today.

Call (603) 769-8981 and admissions checks your benefits within minutes, at no cost and with no obligation.

Prefer to text? Text (603) 769-8981

Call (603) 769-8981 Text