Healthplans Insurance: Harvard Pilgrim Equivalent?

Harvard Pilgrim Health Care is a non-profit health services company based in Canton, Massachusetts, serving the New England region of the United States. It was formed in 1994 from the merger of the Harvard Community Health Plan (HCHP) and the Pilgrim Health Plan. Today, Harvard Pilgrim and its affiliates provide a variety of benefit options to more than one million members in New Hampshire, Massachusetts, Maine, and Connecticut. The company offers a range of individual and family plans, as well as Medicare plans, with access to doctors and hospitals within their network.

Harvard Pilgrim Health Care is a non-profit health services company

Harvard Pilgrim is a leading not-for-profit health services organization, comprising a family of companies that includes Health Plans, Inc. (one of the largest third-party administrators of self-funded plans in New England), MedWatch (a population health management company delivering biometric screening and chronic disease management services), and Trestletree (providing behaviour-focused coaching to support individuals, families, workplaces, physician practices, and communities).

Harvard Pilgrim Health Care is also home to the Harvard Pilgrim Health Care Institute, a collaboration with Harvard Medical School. The Institute is the only appointing department of a U.S. medical school housed within a health plan. Funded primarily through external government and private sources, it provides information to the healthcare system on issues affecting population health and healthcare delivery.

Harvard Pilgrim offers a range of benefit options to over one million members in New Hampshire, Massachusetts, Maine, and Connecticut. Its plans include competitively priced options, a statewide network plan, and a PPO that allows members to see doctors anywhere in the country. The company provides comprehensive coverage for individuals and families, including preventive services like annual physicals and flu shots, as well as coverage for office visits, inpatient and outpatient care, pediatric vision benefits, chiropractic and acupuncture visits, emergency care, and prescription drugs.

Harvard Pilgrim has received recognition and awards for its work, including being named a Best Place to Work by the Boston Business Journal from 2003 to 2017 and a Top Place to Work by The Boston Globe from 2009 to 2015.

It offers a range of health plans for individuals and families

Harvard Pilgrim Health Care is a non-profit health services company based in Canton, Massachusetts, serving the New England region of the United States. It offers a range of health plans for individuals and families, with access to doctors and hospitals in the region.

The company was formed in 1994 from the merger of the Harvard Community Health Plan (HCHP) and the Pilgrim Health Plan. Today, it provides a variety of benefit options to over a million members in New Hampshire, Massachusetts, Maine, and Connecticut.

Harvard Pilgrim offers high-quality, comprehensive health plans for individuals and families, with options to suit specific needs. These include Medicare plans for those aged 65 and over, as well as plans for those who are retiring or already have a Medicare membership.

The company's mission is to improve the quality and value of healthcare for its members and communities. It consistently ranks among the nation's highest-rated health plans for quality and member satisfaction. Harvard Pilgrim's health plans include competitively priced options, a statewide network plan, and a PPO that provides coverage to see doctors anywhere in the country.

In addition to its health plans, Harvard Pilgrim also provides a range of member support services to help individuals improve and maintain their health and well-being. This includes wellness support through personal health coaching, nurse care managers for those with chronic conditions, and online tools to help members shop for providers based on cost and quality.

The company provides comprehensive coverage for those aged 65 and above

Harvard Pilgrim Health Care is a non-profit health services company based in Canton, Massachusetts, serving the New England region of the United States. It was formed in 1994 from the merger of the Harvard Community Health Plan (HCHP) and the Pilgrim Health Plan. The company provides comprehensive coverage for individuals aged 65 and above, including Medicare plans.

Harvard Pilgrim's Medicare plans are available to individuals who are Medicare-eligible either directly or through their employer. These plans either complement Medicare Parts A and B or provide full coverage under Medicare Advantage plans. Members must meet certain eligibility requirements to enrol in one of these plans.

Medicare Advantage Plans include Medicare Advantage Stride, which is offered to Medicare-eligible individuals in New Hampshire. In-network coverage is exclusive to Harvard Pilgrim's Medicare Advantage Stride contracted providers. Members must select a primary care physician (PCP) in the Harvard Pilgrim Stride network. The PCP coordinates the member's care and must submit a referral for specialist care. These plans include prescription drug coverage.

Medicare Supplement Plans are offered to Medicare-eligible individuals in Massachusetts, New Hampshire, and Maine. They are also referred to as "Medigap" plans and are sold to fill the gaps in Original Medicare coverage. Members must be enrolled in Medicare Parts A and B and are not required to choose a PCP. Medicare Supplement Plan members can receive treatment from any Medicare-participating provider. These plans do not include prescription drug coverage; members must purchase a Medicare Part D Pharmacy Drug Plan separately.

Harvard Pilgrim also offers Medicare Enhance plans, which provide employer-sponsored coverage for members enrolled in Medicare Parts A and B. These plans are available through employer groups in Massachusetts, New Hampshire, and Maine, and fill in the gaps in Medicare coverage. Medicare Enhance is also available with Harvard Pilgrim Prescription Drug coverage or with a Medicare Part D Prescription Drug Plan.

In addition to its Medicare plans, Harvard Pilgrim offers a range of standard, tiered, and limited network products, senior plans, and national plans. The company is committed to improving the quality and value of healthcare for its members and is consistently ranked among the nation's highest-rated health plans for quality and member satisfaction.

Harvard Pilgrim has Medicare Advantage Stride plans and Medicare Supplement plans

Harvard Pilgrim Health Care is a non-profit health services company based in Canton, Massachusetts, serving the New England region of the United States. It was formed in 1994 from the merger of the Harvard Community Health Plan (HCHP) and the Pilgrim Health Plan. Today, Harvard Pilgrim and its affiliates provide a variety of benefit options to more than one million members in New Hampshire, Massachusetts, Maine, and Connecticut.

Harvard Pilgrim offers high-quality health plans for individuals and families, including Medicare plans. The company's Medicare Advantage Stride plans provide benefits beyond what Original Medicare covers, including both health and drug coverage. These plans are available in New Hampshire, with different options depending on the county of residence. For example, the Basic Rx plan is the fastest-growing plan with a $0 premium, while the Choice Rx plan is the only one with an out-of-network benefit and has a $60 premium.

In addition to the Medicare Advantage Stride plans, Harvard Pilgrim also offers Medicare Supplement plans. These plans fill in the gaps where Medicare coverage does not, and they are available in Massachusetts, Maine, and New Hampshire. The Medicare Supplement plans offer the most freedom to travel or see any doctor or hospital that accepts Medicare.

Harvard Pilgrim's health plans are designed to provide comprehensive care, exceptional member service, and easy-to-use tools. The company is committed to improving the quality and value of healthcare for its members and the communities it serves.

It also offers employer-based health plans

Harvard Pilgrim Health Care is a non-profit health services company based in Canton, Massachusetts, serving the New England region of the United States. It was formed in 1994 from the merger of the Harvard Community Health Plan (HCHP) and the Pilgrim Health Plan.

Harvard Pilgrim offers employer-based health plans, which can be tailored to the specific needs of businesses and their employees. If your employer allows it, you can enrol in a Harvard Pilgrim plan online using your employer's 10-digit ID number.

• Cost-effectiveness: Employer-based health plans can help businesses cut the cost of care while maintaining exceptional benefits for their employees. By partnering with a health plan provider, businesses can benefit from their expertise in managing healthcare costs. For example, Priority Health, a health insurance provider in Michigan, offers a unique process called the Priority Health Integrated Model (PHIM) to help businesses reduce healthcare expenses.
• Customised solutions: Health plans can be tailored to meet the unique requirements of each business. For instance, Blue Cross Blue Shield (BCBS) works with businesses to personalise employee care experiences and elevate behavioural health support. They offer a broad spectrum of programs to engage employees in their health and wellbeing, helping them develop healthy habits.
• Attracting and retaining talent: Offering competitive health benefits can be a valuable tool for attracting and retaining employees. By providing the right kind of coverage and benefits, businesses can add value to their talent attraction and retention strategies.
• Wellness initiatives: Employer-based health plans often include wellness initiatives to encourage employee participation in healthy behaviour, maintenance, or improvement programs. These initiatives can include rebates, reductions in premiums or co-payments, or a combination of these incentives.
• Compliance and support: Health plans can help businesses navigate compliance requirements, such as the Employee Retirement Income Security Act (ERISA), which provides protections for participants and beneficiaries in employee benefit plans. The U.S. Department of Labor's Employee Benefits Security Administration administers and enforces these provisions.

Overall, employer-based health plans offer comprehensive solutions to businesses, helping them support the health and wellbeing of their employees while managing costs effectively.

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