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Harvard Pilgrim

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LAST UPDATED: May 11th, 2021

Harvard Pilgrim Health Care (HPHC) is a local health insurance provider focused on Massachusetts, New Hampshire, and Maine. 

Whether you're looking for a group health plan, Medicare, or a plan for you and your family, HPHC has competitive options. The health insurance company also works with its affiliate HPHC insurance agency to refer health plans for international visitors issued by International Medical Group (IMG).

In addition to its local focus, the HPHC stands out because many of its plans include coverage for chiropractic care and acupuncture. You can also find competitive perks like discount and savings programs, health support, and mindfulness.

The company recently merged with Tufts Health Plan and plans to use the efficiency and savings to keep premium costs low for its members.

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The Good

  • Individual and Familiy Health Plans
  • Coverage for Chiropractic Care and Acupuncture
  • Competitive Perks
  • Reduce My Costs Program
  • Range of Group Plans
  • Support for Adults turning 65
  • Assistance with Coverage for International Visitors

Individual and Family Health Plans

You can find the common health insurance options for choosing an individual or family health insurance plan from HPHC. They include CSR, HMO, and PPO plans. CSR plans are Cost Sharing Reduction plans. These plans lower out-of-pocket expenses (e.g. deductible, copays, coinsurance) for eligible plan members.

HMO and PPO plans offer different types of physician networks. HMO (Health Maintenance Organization) plans only cover treatment from an in-network doctor. PPO (Preferred Provider Organization) plans cover in- and out-of-network physicians at different rates.

You can also find plans that are compatible with Health Savings Accounts (HSAs). These accounts allow you to set aside money in a separate account. This money is tax-free and can only be used for qualified medical expenses.

Coverage for Chiropractic Care and Acupuncture

Many of HPHC's plans include coverage for chiropractic care and acupuncture. Coverage for these services is uncommon for the industry, so this offering makes an HPHC plan advantageous.

Competitive Perks

HPHC insurance company is dedicated to helping their members with their health and well-being. Some of these perks may vary based on the kind of plan you have and your area. 

Members of Harvard Pilgrim are eligible for savings on eyewear, diet programs, dental care, massage therapy, tai chi, yoga, and fitness.

Harvard Pilgrim also has a mindfulness program called “Mind the Moment” which offers classes and workshops. Researchers have found that mindfulness helps people with stress and chronic pain. This program is also available to companies in the form of organized education and retreats. This offering makes Harvard Pilgrim unique among health insurers.

HPHC offers personal health coaches who support members over the phone with stress management, smoking cessation, blood pressure control, and more.

These programs and perks are common for the industry, so HPHC's offerings make it competitive.

Reduce My Costs Program

HPHC continues to distinguish itself from competitors with its Reduce My Costs program that helps you save costs for elective outpatient medical procedures and diagnostic tests. You can benefit from savings just by participating in the program.

In addition to Reduce My Costs, you can also get an estimate of out-of-pocket costs. This estimate can help you prepare financially for your health care costs.

Range of Group Plans

Employers and groups can also find competitive plans through Harvard Pilgrim. Although you'll need to work with the insurer directly for details, you can find the following options:

  • HMO
  • PPO
  • Limited network
  • Tiered network
  • Consumer Directed Health Plans (CDHP; compatible with HRAs or HSAs and usually have an HMO or PPO network)
  • Medicare enhance (designed for employees on Medicare)

Support for Adults Turning 65

HPHC has a program called Celebrating 65® that helps individuals as they get ready to retire and become Medicare beneficiaries. Through this educational program you can meet with sales executives and attend seminars to learn more about Social Security, Medicare, and health care during retirement. 

Although similar educational services are offered by other Medicare companies and insurance agencies, Harvard Pilgrim's Celebrating 65® program shows its dedication to helping people transition to Medicare confidently.

Of course, HPHC also offers Medicare plans including a Medicare Advantage plan called Stride and a Medicare Supplement Plan (Medigap). To view Medicare plan options in your area, you'll need to enter your zip code on HPHC's Medicare website.

Assistance with Coverage for International Visitors

If you have family coming to visit from abroad, you can work with Harvard Pilgrim's affiliate HPHC Insurance Agency to get a referral to a plan issued by International Medical Group.

This assistance with finding a health plan for international visitors makes Harvard Pilgrim stand out.

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The Bad

  • Variations by State
  • Limited Customer Insight

Variations by State

Harvard Pilgrim's offerings vary by state, so you may not always see the same types of health plans depending on where you live. However, this variation is common for the insurance industry.

Limited Customer Insight

Harvard Pilgrim Health Care reviews are few on BestCompany.com, so conclusions about member satisfaction are limited. It's also unfortunate that current reviews are mostly negative.

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The Bottom Line

Although additional customer insight is necessary for a full recommendation, Harvard Pilgrim Health Care offers a nice selection of health plans and competitive perks. You can find individual and family plans, group plans, and Medicare plans. 

HPHC's affiliate HPHC Insurance Agency works with clients to find health care coverage for international visitors from IMG.

With its health plans, you can find competitive perks like health and wellness discounts, support from a health coach, and a mindfulness program.

Harvard Pilgrim stands out from other insurers for its inclusion of chiropractor and acupuncture coverage, Reduce My Costs program, and out-of-pocket cost estimator. These features make an HPHC health plan worth considering.

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Milica Krajisnik Portsmouth, NH

This is the worst insurance! Their representatives don't know what they are doing. They gave you wrong informations and you end up with problems.

1 year ago

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Lynn Hillier

terrible, scripted customer service, high rates, small value

3 years ago

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