Available through employers in Massachusetts, New Hampshire and Maine
The Harvard Pilgrim POS Plan features comprehensive coverage for a wide range of preventive and medical services, including routine office visits, well-baby care, immunizations, hospitalization and worldwide emergency care. (Prescription drug coverage may also be included in some benefits packages).
Members choose a primary care physician (PCP), but can receive care from specialists without their PCP's referral. In addition, POS members can visit doctors, hospitals and other providers that do not belong to Harvard Pilgrim's participating provider network.
When provided or arranged by a PCP, services are typically covered in full with copayments. Services received without a PCP referral or outside Harvard Pilgrim's participating provider network are subject to deductibles and coinsurance.