2026 plan offerings
HMO Flex and HMO HSA Flex
Choose a primary care provider (PCP) from Harvard Pilgrim’s HMO – Flex network. The Flex benefit helps you save money with lower cost sharing on general lab services and outpatient surgery.
Plan details:
- PCP required
- Referrals to most kinds of specialists required
- Must receive care for covered services from providers in the HMO – Flex provider directory (exceptions include medical emergencies)
- Includes Core MA 3-Tier prescription drug coverage or Core MA 5-Tier prescription drug coverage
Focus HMO and Focus HMO HSA
These plans feature our select Focus Network – MA HMO, which includes thousands of leading health professionals and hospitals across Massachusetts.1 Focus HMO plans may help you save money with lower premiums than our full-network plans.
Plan details:
- PCP required
- Referrals to most kinds of Focus Easy Access specialists required
- Must receive care for covered services from Easy Access providers in our Focus Network – MA HMO provider directory (exceptions include medical emergencies)
- Includes Core MA 5-Tier prescription drug coverage
Footnote(s)
1
These plans provide access to a limited provider network that’s smaller than Harvard Pilgrim’s full provider network. You’ll have coverage only from providers in this specific plan network.