Maine plan offerings

Individual and family plans offered directly through Harvard Pilgrim or on CoverME.gov

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2026 plan offerings

Get details on benefits, cost sharing and more in our product guide.

HMO and HMO HSA

Choose a primary care provider (PCP) from Harvard Pilgrim’s HMO network. They’ll coordinate your care with participating specialists and hospitals.

Plan details:

  • PCP required
  • Referrals to most kinds of specialists required
  • Must receive care for covered services from providers in the HMO directory (exceptions include medical emergencies)
  • Includes Core ME 5-Tier prescription drug coverage

Maine’s Choice Plus HMO and Maine’s Choice Plus HMO HSA

Flexible plans that can help you save money with two networks of providers and hospitals.

NEW Expanded Network:

Harvard Pilgrim Health Care is expanding its Maine Choice network in 2026, bringing coverage across the state. As part of this expansion, Northern Light Health hospitals will be designated as Preferred providers in the Maine Choice Plus HMO network. This enhancement improves statewide access to high-quality care and strengthens our commitment to providing choice and affordability.

Plan details:

  • Two networks: Preferred Network (lower cost sharing) and Standard Network (higher cost sharing)
  • PCP required
  • Referrals to most kinds of specialists required
  • Must receive care for covered services from providers in the Maine’s Choice Plus HMO directory (exceptions include medical emergencies)
  • Includes Core ME 5-Tier prescription drug coverage

PPO Access

The PPO Access network offers comprehensive care and coverage from our extensive network of doctors, specialists and hospitals, ensuring members receive access to top-quality care. Visit harvardpilgrim.org/providerdirectory to select a provider.

Plan details:

  • The same robust regional network of 152 hospitals and 74,000+ doctors and specialists throughout Maine, Massachusetts, New Hampshire, Vermont and Rhode Island.
  • A nationwide network with more than 950,000 doctors and specialists and 4,300 hospitals
  • And the great benefits, programs, and services offered by Harvard Pilgrim. For details on plan options, please contact the Individual Sales team at 855-354-4742.
  • Includes Core ME 5-Tier prescription drug coverage.

It’s easy to confirm if your current providers are part of the PPO Access plan network.

  1. Visit harvardpilgrim.org/providerdirectory
  2. Select “PPO ACCESS”
  3. Search according to your preferences.
Footnote(s)
1

Certain in-network services do not require referrals.