Harvard Pilgrim Healthcare
Think Local
Harvard Pilgrim Health Care is an insurance company providing service to employees in Massachusetts, Maine, and New Hampshire. Being a smaller company in only three states, Harvard Pilgrim Health Care is able to provide a superior service at affordable rates.
Harvard Pilgrim is available in several States
Most Harvard Pilgrim Health Care plans are available in all three states. The only exception is the Harvard Pilgrim Health Care Health Savings Account (HSA) that is only valuable in Massachusetts and New Hampshire. The Harvard Pilgrim Health Care HSA is a savings account in which an employer and employee each deposit a percentage of a deductible. The money deposited into the Harvard Pilgrim Health Care HSA is tax deductible, and unlike a FSA, the funds in a Harvard Pilgrim Health Care HSA roll from one year to the next.
One of the best HMO's available
The Harvard Pilgrim Health Care HMO is considered one of the best HMO plans in New England. One of the benefits of the Harvard Pilgrim Health Care HMO is that each dependent covered by the Harvard Pilgrim Health Care HMO plan is able to have a different Primary Care Physician (PCP). The copay for a Harvard Pilgrim Health Care HMO plan is $20 for doctor’s visits.
Harvard's POS Plan
With the Harvard Pilgrim Health Care POS plan, network services are covered at 100% after a copay. Services outside the Harvard Pilgrim Health Care network are payable with a coinsurance percentage. Working within the Harvard Pilgrim Health Care network is beneficial because there are no claims forms to deal with, while seeking services outside the Harvard Pilgrim Health Care network will result in Harvard Pilgrim Health Care paying reimbursing you for the medical fees you have paid.
Harvard's PPO Plan
The Harvard Pilgrim Health Care PPO plan is different for each state. Each Harvard Pilgrim Health Care PPO plan defines each service that will be covered and what type of copay or coinsurance applies. Typically, coinsurance only applies to services outside the Harvard Pilgrim Health Care network. In New Hampshire, the copay for doctor’s visits in the Harvard Pilgrim Health Care network is $20 and the coinsurance for doctor’s visits outside the Harvard Pilgrim Health Care network is 20%.
Harvard Pilgrim Health Care services a small enough geographic region that Harvard Pilgrim Health Care plans are very strong and easily affordable. Harvard Pilgrim Health Care proves that thinking locally really works. Other popular plans available in MA, ME and NH include: Mid-West National Life Insurance Company of Tennessee (The Alliance for Affordable Services), The Mega Life Insurance Compant (The National Association for the Self Employed), Harvard Pilgrim, Tufts, Blue Cross Blue Shield and Fallon Health.
