Our Solutions
Select a state first (BY STATE), followed by group type (BY GROUP). Then choose a specific plan type (BY PLAN). To compare multiple plans at once, see the new plan compare tool.
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| Plan Name | Year | Overview | Documents |
|---|---|---|---|
| HMO HSA | 202220232024 | A qualified high-deductible health plan (HDHP). Provides access to our full network of New England providers and hospitals. PCPs and referrals are required. Gives employers and/or members the option to fund a health savings account. | HMO HSA Brochure |
| Maine’s Choice Plus HMO | 202220232024 | A tiered HMO that provides access to our full network of New England providers and hospitals. The Preferred Network has lower cost sharing than the Standard Network; members can choose providers, including PCPs, from either tier. PCPs and referrals are required. | Maine's Choice Plus HMO Individual BrochureMaine's Choice Plus Map |
| Maine’s Choice Plus HMO HSA | 202220232024 | A qualified high deductible health plan (HDHP) and tiered HMO that provides access to our full network of New England providers and hospitals. The Preferred Network has lower cost sharing than the Standard Network; members can choose providers, including PCPs, from either tier. PCPs and referrals are required. Gives employers and/or members the option to fund a health savings account. | Maine's Choice Plus HMO HSA Individual BrochureMaine's Choice Plus Map |
| Catastrophic | 202220232024 | A plan for individuals and families with hardship exemptions or affordability exemptions, or for those under age 30 who are relatively healthy and want insurance protection for worst-case scenarios. | |
| HMO | 202220232024 | Provides access to our full network of New England providers and hospitals. PCPs and referrals are required. | HMO Brochure |
Benefits, coverage and member cost-sharing details for our plans.
Schedules of Benefits and SBCs: Maine
Individual 2023
Individual 2024
| POS - OFF EXCHANGE with Dental | SOB | SBC |
|---|---|---|
| Clear Choice POS Silver 3000 MD0000201177 | Show Clear Choice POS Silver 3000 SOB | Show Clear Choice POS Silver 3000 SBC |
| Clear Choice POS Silver 5500 MD0000201178 | Show Clear Choice POS Silver 5500 SOB | Show Clear Choice POS Silver 5500 SBC |
| Clear Choice POS HSA Silver 4500 MD0000201201 | Show Clear Choice POS HSA Silver 4500 SOB | Show Clear Choice POS HSA Silver 4500 SBC |
| Clear Choice POS HSA Bronze 6300 MD0000201202 | Show Clear Choice POS HSA Bronze 6300 SOB | Show Clear Choice POS HSA Bronze 6300 SBC |
| Clear Choice POS HSA Bronze 7200 MD0000201203 | Show Clear Choice POS HSA Bronze 7200 SOB | Show Clear Choice POS HSA Bronze 7200 SBC |
| POS - OFF EXCHANGE without Dental | SOB | SBC |
|---|---|---|
| Clear Choice POS Silver 3000 MD0000201177 | Show Clear Choice POS Silver 3000 SOB | Show Clear Choice POS Silver 3000 SBC |
| Clear Choice POS Silver 5500 MD0000201178 | Show Clear Choice POS Silver 5500 SOB | Show Clear Choice POS Silver 5500 SBC |
| Clear Choice POS HSA Silver 4500 MD0000201201 | Show Clear Choice POS HSA Silver 4500 SOB | Show Clear Choice POS HSA Silver 4500 SBC |
| Clear Choice POS HSA Bronze 6300 MD0000201202 | Show Clear Choice POS HSA Bronze 6300 SOB | Show Clear Choice POS HSA Bronze 6300 SBC |
| Clear Choice POS HSA Bronze 7200 MD0000201203 | Show Clear Choice POS HSA Bronze 7200 SOB | Show Clear Choice POS HSA Bronze 7200 SBC |
Small Group 2023
Small Group 2024
| POS - OFF EXCHANGE with Dental | SOB | SBC |
|---|---|---|
| Clear Choice POS Silver 3000 MD0000201177 | Show Clear Choice POS Silver 3000 SOB | Show Clear Choice POS Silver 3000 SBC |
| Clear Choice POS Silver 5500 MD0000201178 | Show Clear Choice POS Silver 5500 SOB | Show Clear Choice POS Silver 5500 SBC |
| Clear Choice POS HSA Silver 4500 MD0000201201 | Show Clear Choice POS HSA Silver 4500 SOB | Show Clear Choice POS HSA Silver 4500 SBC |
| Clear Choice POS HSA Bronze 6300 MD0000201202 | Show Clear Choice POS HSA Bronze 6300 SOB | Show Clear Choice POS HSA Bronze 6300 SBC |
| Clear Choice POS HSA Bronze 7200 MD0000201203 | Show Clear Choice POS HSA Bronze 7200 SOB | Show Clear Choice POS HSA Bronze 7200 SBC |
| POS - OFF EXCHANGE without Dental | SOB | SBC |
|---|---|---|
| Clear Choice POS Silver 3000 MD0000201177 | Show Clear Choice POS Silver 3000 SOB | Show Clear Choice POS Silver 3000 SBC |
| Clear Choice POS Silver 5500 MD0000201178 | Show Clear Choice POS Silver 5500 SOB | Show Clear Choice POS Silver 5500 SBC |
| Clear Choice POS HSA Silver 4500 MD0000201201 | Show Clear Choice POS HSA Silver 4500 SOB | Show Clear Choice POS HSA Silver 4500 SBC |
| Clear Choice POS HSA Bronze 6300 MD0000201202 | Show Clear Choice POS HSA Bronze 6300 SOB | Show Clear Choice POS HSA Bronze 6300 SBC |
| Clear Choice POS HSA Bronze 7200 MD0000201203 | Show Clear Choice POS HSA Bronze 7200 SOB | Show Clear Choice POS HSA Bronze 7200 SBC |
Offerings that enhance our value for members, employers and brokers. Fees may apply to some programs.
Medical, Pharmacy and Health Services
Transparency tools, pharmacy information and other resources for when members need guidance with their care.
Health Services
We’re proud to offer our members a diverse menu of well-being offerings but we also know it’s a lot to unpack. Discover a resource that puts all these services in one place. Our Health Services Cheat Sheet easily differentiates one offering from another and gives you access to the talking points that will speak to your client. Find information on dozens of services now available to fully insured and self-insured members in an easy to digest format that cuts through the noise.
Pharmacy Program
We offer a variety of tiered formulary offerings to meet your clients’ needs.
Urgent Care Options and ER Alternatives
When their PCPs aren’t available, members who need care right away for minor illnesses and accidents have a variety of cost-effective options.
Member Savings
Programs for helping members keep more of their money.
Fitness Reimbursement Benefits
We know the value that a healthy workforce brings to your clients. So, to guide and support employee well-being, we offer fitness reimbursements of up to $150-$300 a year for our members.
Estimate My Cost
This search tool lets members find and compare estimated health care costs before they receive services. It’s available to members in CT, MA, ME and NH.
Additional Products & Programs
Guardian
Harvard Pilgrim and Guardian are partnering to provide a full line of ancillary insurance products – including dental, vision, short- and long-term disability and more – to employers in Maine, Massachusetts and New Hampshire. Learn how your clients can save money and provide more insurance options for their employees.
HSAs and HRAs
HSAs and HRAs can offset the costs of high-deductible health plans and motivate members to make smarter health care decisions. Our preferred vendors can get you and your clients started.