Behavioral and mental health providers in Massachusetts
PlanOptica tracks 29 health and welfare plans sponsored by 29 behavioral and mental health providers in Massachusetts, covering 10,539 participants and $63M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 262 participants, and the most common size is 100 to 249 participants (38% of plans). The funding mix is split: 48% of plans are self-funded or mixed and the rest are mainly fully insured.
Blue Cross Blue Shield of Massachusetts, Inc leads by premium with a 38% share, followed by Harvard Pilgrim Health Care at 18%. Hub International New England LLC is the broker of record on 5 plans, more than any other firm, ahead of Brown & Brown Insurance Services (4). 93% of plans report broker compensation on Schedule A; the median brokered plan pays $45K a year, about 3.7% of premium. Boston, Springfield and Quincy have the most plans.
Funding mix
- Fully insured15 · 52%
- Mixed13 · 45%
- Self-funded1 · 3%
Plan size (participants)
- Under 1003 · 10%
- 100 to 24911 · 38%
- 250 to 4998 · 28%
- 500 to 9996 · 21%
- 1,000 or more1 · 3%
Median plan: 262 participants. Median broker comp: 3.7% of premium across 27 brokered plans.
Top carriers, behavioral health, Massachusetts
- 1Blue Cross Blue Shield of Massachusetts, Inc$24M8 plans · 38.4%
- 2Harvard Pilgrim Health Care$11M4 plans · 18.3%
- 3Aetna Life Insurance Co$8.7M3 plans · 13.8%
- 4Unitedhealthcare Insurance Company$7.7M2 plans · 12.3%
- 5Guardian$2.0M5 plans · 3.2%
- 6Health New England$1.2M1 plans · 1.9%
- 7Tufts Associated Health Maintenance Org., Inc$1.1M1 plans · 1.8%
- 8United of Omaha Life Insurance Company$1.0M3 plans · 1.7%
- 9Altus Dental Insurance Company, Inc$978K6 plans · 1.6%
- 10Principal Life Insurance Company$624K3 plans · 1.0%
Top brokers, behavioral health, Massachusetts
- 1Hub International New England LLC5 plans$439K comp · 18.5%
- 2Brown & Brown Insurance Services4 plans$292K comp · 14.8%
- 3Digital Insurance LLC4 plans$83K comp · 14.8%
- 4Centro Benefits Research LLC3 plans$26K comp · 11.1%
- 5Marsh & McLennan Agency, LLC3 plans$16K comp · 11.1%
- 6Indigo Insurance Services LLC3 plans$13K comp · 11.1%
- 7Hilb Group of New England2 plans$114K comp · 7.4%
- 8Jennifer A. Borislow Ins Agency Inc2 plans$82K comp · 7.4%
- 9Professional Group Plans Inc2 plans$50K comp · 7.4%
- 10Neesenroll2 plans$8K comp · 7.4%
Largest behavioral and mental health providers in Massachusetts
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Behavioral Health Network, Inc Pre-Tax Benefit Plan for Employees of the Behavioral Health NetworkAll plans | Springfield | Mixed | 1,780 | $1.3M | The Guardian Life Insurance Company of America |
| North Suffolk Community Services, Inc North Suffolk Mental Health Association, Inc. Health and Welfare PlanAll plans | Chelsea | Fully insured | 743 | $6.5M | Aetna Life Insurance Company |
| Recover Together, Inc Recover Together, IncAll plans | Burlington | Fully insured | 713 | $784K | Aetna Life Insurance Company |
| LYNN Community Health Inc LYNN Community Health Inc. Health and Welfare PlanAll plans | LYNN | Fully insured | 625 | $3.3M | Blue Cross of California |
| Community Counseling of Bristol County Community Counseling of Bristol County Health & Welfare PlanAll plans | Taunton | Fully insured | 602 | $4.6M | Blue Cross of California |
| Gandara Mental Health Center, Inc Gandara Mental Health Center, Inc. Benefit PlansAll plans | Springfield | Mixed | 589 | $396K | Hartford Life and Accident |
| Interwell Health Partners, Inc Interwell Health Welfare Benefit PlanAll plans | Boston | Fully insured | 517 | $8.5M | Unitedhealthcare Insurance Company |
| Devens Treatment & Recovery Center, LLC Tara Vista Behavioral Health Devens Treatment & Recovery Center LLC, Dba Tara Vista Behavioral HealthAll plans | Devens | Mixed | 482 | $473K | The Guardian Life Insurance Company of America |
| Family Health Center of Worcester, Inc Family Health Center of Worcester, Inc. Employee Benefits PlanAll plans | Worcester | Fully insured | 455 | $5.4M | Harvard Pilgrim Health Care |
| Child & Family Services, Inc Child & Family Services, Inc. Welfare Benefit PlanAll plans | New Bedford | Mixed | 389 | $281K | Delta Dental of California |
| The Edinburg Center The Edinburg CenterAll plans | Bedford | Fully insured | 375 | $3.0M | Harvard Pilgrim Health Care |
| Fenway Community Health Center, Inc Fenway Community Health Center Health and Welfare PlanAll plans | Boston | Mixed | 371 | $7.0M | Blue Cross of California |
| South Shore Mental Health, Inc South Shore Mental Health, Inc. Dba Aspire Health Alliance Employee Benefits PlanAll plans | Braintree | Mixed | 347 | $170K | Reliance Standard Life Insurance Company |
| Gosnold Behavioral Health Gosnold Behavioral Health Employee Benefits PlanAll plans | Falmouth | Fully insured | 309 | $2.6M | Blue Cross of California |
| Clinical and Support Options Clinical and Support Options Medical and DentalAll plans | Northampton | Fully insured | 262 | $6.7M | Blue Cross of California |
Showing 15 of 29 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Massachusetts
- Boston5 plans · 1,260 participants
- Springfield2 plans · 2,369 participants
- Quincy2 plans · 437 participants
- Chelsea1 plans · 743 participants
- Burlington1 plans · 713 participants
- LYNN1 plans · 625 participants
- Taunton1 plans · 602 participants
- Devens1 plans · 482 participants
- Worcester1 plans · 455 participants
- New Bedford1 plans · 389 participants
- Bedford1 plans · 375 participants
- Braintree1 plans · 347 participants
Frequently asked questions
How many behavioral and mental health providers in Massachusetts offer an ERISA health plan?
29 health and welfare plans from 29 behavioral and mental health providers in Massachusetts appear in plan year 2024 to 2025 filings on Form 5500, covering 10,539 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most behavioral and mental health providers in Massachusetts?
By Schedule A premium: Blue Cross Blue Shield of Massachusetts, Inc (38% of premium, 8 plans), Harvard Pilgrim Health Care (18% of premium, 4 plans) and Aetna Life Insurance Co (14% of premium, 3 plans).
Which benefits brokers work with behavioral and mental health providers in Massachusetts?
By number of client plans: Hub International New England LLC (5 plans), Brown & Brown Insurance Services (4 plans) and Digital Insurance LLC (4 plans). 93% of plans report a broker.
How much do brokers earn on behavioral and mental health providers health plans in Massachusetts?
The median brokered plan reports $45K a year in broker commissions and fees, or 3.7% of premium. Figures come from Schedule A, Part I.
Are behavioral and mental health providers health plans in Massachusetts self-funded or fully insured?
Fully insured 52%, mixed 45% and self-funded 3%. Self-funded and mixed plans together make up 48%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry.
Prospect behavioral and mental health providers in Massachusetts
Open the welfare search with Massachusetts and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Behavioral health in nearby states
Other healthcare specialties in Massachusetts
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry. Location is the sponsor's filing address in Massachusetts.