Does Harvard Pilgrim have drug and alcohol rehab coverage?
What Coverage Levels And Plans Does Harvard Pilgrim Offer?
More than 3 million people in the New England region are covered by Harvard Pilgrim Health Care’s health insurance. Your employer or the state-run health insurance marketplace are two possible sources of coverage for you. There are three different types of health care plans that Harvard Pilgrim offers. Within each kind, there are numerous different plans.
In comparison to other plans, a Health Maintenance Organization (HMO) plan will be less expensive each month and perhaps have reduced out-of-pocket expenses. These plans demand that you find a primary care physician (PCP) who can organize your medical care. In general, an HMO plan does not provide coverage outside of the provider network.
Your choice of providers, both inside and outside the network, is more flexible with a Preferred Provider Organization (PPO) plan. Additionally, a PCP is not necessary for the delivery of your care. The cost of care received outside of the network will be more, and your monthly premium will be higher.
A Point of Service (POS) plan combines HMO and PPO elements. Although you will have a PCP, if the PCP refers you to an out-of-network provider, you will be able to access them. You will be responsible for the majority of the cost if you opt to receive treatment that is not part of the network without a referral.
Although they do provide Medicare Advantage plans, Harvard Pilgrim does not manage Medicaid coverage in any state. An Advantage plan could be a suitable choice if you are eligible for Medicare and want an all-in-one substitute that can offer additional benefits. You must, however, make sure that the network of the Advantage plan is where you receive your treatment.
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We'll be able to tell you if your insurance provider is in network with the preferred treatment facility of your choice.
- Dual-diagnosis treatment centers.
- Personalized treatment plans.
- Financial options available.
- Financial options available.
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