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HMO (Traditional)

You choose a primary care physician (PCP) from Harvard Pilgrim's participating provider network who will provide or arrange care for all of your medical needs, including referrals to specialists (some services do not require a PCP referral).We have more than 22,000 participating PCPs and specialists.

Most services are typically covered with a $15 copayment, which eliminates the hassle of bills or claim forms. There are no deductibles.

Premium cost: High
(amount deducted from your pay)

Potential for out-of-pocket costs: Low
(deductibles, coinsurance, etc.)

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