The College offers health coverage to benefit eligible employees. There are two plans to choose from through Harvard Pilgrim HealthCare:
An HMO contracts with a number of health care providers - its "network." HMO members pay a set fee each year for a predefined package of services. Members must use providers in the "network" to obtain free (or fully reimbursed) care. HMO care requires members to choose a Primary Care Physician (PCP), who acts as a "gatekeeper" to coordinate members' care. Approval of the PCP is required before a member can see a specialist
With A PPO, members can choose to receive care for covered services from providers and hospitals that belong to Harvard Pilgrim's participating provider network or from those who don't. Outside of Network, participating providers also include the Private Healthcare Systems network of more than 360,000 providers and 3,500 hospitals across the United States. When provided or arranged by participating providers, services are typically covered in full with copayments. Services received outside of Harvard Pilgrim's participating provider network are subject to deductibles and coinsurance.
FOCUS is a lower a lower cost option utilizing Harvard Pilgrim's FOCUS network. Benefits will match the HMO & PPO however the plan utilizes a smaller network of providers
Learn more: http://www.harvardpilgrim.org
Non-benefit eligible employees can find additional health insurance information through the Health Connector: https://www.mahealthconnector.info/portal/site/connector