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Harvard Pilgrim History and Company Overview
Harvard Pilgrim was founded over 50 years ago by a group of doctors. They have since joined a family of companies that provide health care benefits, programs, and services to more than 3 million policy holders in the United States. Harvard Pilgrim is also one of the leading not-for-profit health services company, making sure that members and communities get the best health plans.
Since they are a not-for-profit health care provider, they focus a lot on providing low to moderate income families with better access to affordable heath services. As well as creating health programs for the community such as: Harvard Pilgrim SmartStart, Well-Being Rewards, MyHealthMath, Landmark Health and Progeny Health.
Harvard Pilgrim Financial Strong Points
According to their 2019 financial reports, they showed a net income of $45.1 million and an operating income of $36.4 million on revenue of $2.9 billion at the end of December 2019. Their total memberships are around 1,144,863 policy holders. They have demonstrated strong year over year growth and have definitely pleased stakeholders and community members with their performance.
Harvard Pilgrim Medicare Supplement Insurance Rating
In addition to their fantastic financial report, the National Committee for Quality Assurance awarded Harvard Pilgrim a 4.5 out of 5 for their private HMO/POS plans in Massachusetts and Maine. This puts Harvard Pilgrim in the top 10% for commecial health plans in the U.S.
Harvard Pilgrim Medicare Supplement Insurance Products & Benefits
Harvard Pilgrim offers Medicare Supplement plans A-N. However, their most popular plans are Plan F, Plan G, and Plan N. On top of providing Medigap plans, they also have a unique Medicare Advantage plan. Depending on the state you live in (MA, ME, or NH) rates may vary.
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If you’re wondering what your rate is or would like help on which provider to choose from, give us a call at 800-208-4974. One of our experienced insurance agents will answer any questions and provide you a free quote comparison.
Folks who are 65 or older or under 65 with certain disabilities, or any age with End-Stage Renal Disease and currently residing in Main, Massachusetts, or New Hampshire are eligible for Harvard Pilgrims Medicare supplement or Medigap plans.
Yes, once you turn the age of 65 or older, you are automatically signed up for Original Medicare Part A and Part B. However, you must enroll into Harvard Pilgrims Medicare supplement plan, depending on the plan you get, it will partially pay or fully pay the 20% of costs that Original Medicare does not cover.
Currently, Harvard Pilgrim Health Care only have Medicare supplement plan options in Massachusetts, Maine & New Hampshire. If you reside in one of these states, or are moving to these states and would like to get Harvard Pilgrim coverage, contact us at 800-208-4974 to speak with a licensed insurance agent. We would be happy to help you!
Harvard Pilgrim Life Medicare Supplement Plan F
Harvard Pilgrim offers a Medigap Plan F which is one of their most comprehensive plans. However, as of January 2020, new Medicare beneficiaries are no longer accepted for Plan F. If you became Medicare-eligible before January 1st, 2020 then Plan F will always be available to you. With Plan F you’ll get all the benefits from Original Medicare Part A and Part B, all basic benefits, as well as:
- Part B coinsurance
- Part B excess charges
- Part A deductible
- First 3 pints of blood
- Additional 365 days after Medicare benefits
With such an extensive offering, one of the few things it doesn’t cover is the Part B premium payments each month. In addition, if you don’t qualify to get coverage for premium-free Medicare Part A, you may have to pay for those premiums out of pocket.
If you’re currently enrolled in Plan F and want to switch to a more affordable plan, or curious about other providers rates, give us a call at 800-208-4974. One of our experienced insurance agents will be happy to help you.
Harvard Pilgrim Medicare Supplemental Insurance Plan G
An alternative to Plan F would be Plan G, Plan G has all the benefits as Plan F, except it does not include the Medicare Part B deductible that must be paid as an additional expense. Once you reach your Part B deductible, you are only required to pay about 20% of the the Medicare-approved Part B services.
Here are some highlights of Medicare Supplement Plan G:
- Foreign travel emergency medical care (with limitations)
- Part B excess charges
- Skilled nursing facility
- Part A deductible
Wondering if Plan G is a better and affordable option for you? Contact us at 800-208-4974 to speak with a licensed insurance agent. Our agents will be happy to answer any questions you may have.
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Harvard Pilgrim Medigap Plan N
With Medicare Supplement Plan N, you get the standardized Supplement insurance plan that all carriers have. In addition you get full coverage with your Medicare Part B coinsurance costs. However Medigap Plan N will not cover the following: doctors visits (it requires a $20 copay for each visit), emergency room visits (cost is up to $50 per visit).
Even though there is a short list things that Plan N will not cover, it will still provide coverage for other services such as:
- Hospice care
- Part A deductible
- Part B coinsurance costs (minus doctors office visits and emergency room visits)
- Preventative care coinsurance
- Skilled nursing facility
Plan N covers much more, but to learn more it is best to speak with a trusted insurance agent to see if Plan N is best for you. Don’t hesitate to reach out to us at Bluewave insurance at 800-208-4974. We can offer unbiased advice on which plan is right for your unique needs.
Our Summary on Harvard Pilgrim’s Medicare Supplement Plans
It’s clear to see that Harvard Pilgrim delivers some of the best in class Medicare supplement services for their customers. We are proud to offer our clients with their products and we are excited about their new offerings, making it affordable for the community to get all around health care services. Whether you are looking for a Medigap plan that will cover all your needs, or a standardized plan that will reduce out of pocket costs, we believe Harvard Pilgrim may be your answer.
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To get a clear view on what your needs are, and to find out if Harvard Pilgrim is the right insurance company for you, contact us at 800-208-4974 for a free consultation.
Our insurance experts will be happy to answer any of your questions and provide you a quote comparison. We’ll make sure you get the best rate in the industry.
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