Harvard Pilgrim Medicare Supplement Plans 2025-Plans & Rates

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated April 17th, 2024

Looking to understand your options with Harvard Pilgrim Medicare Supplement 2025 plans? Whether you’re navigating the complexities of Medicare for the first time or considering a switch to Harvard Pilgrim’s Medigap offerings, this article provides clarity on plan details, coverage specifics, cost implications, and unique features that distinguish these plans. No fluff—just essential information to guide your decision-making for Harvard Pilgrim Medicare Supplement 2025 coverage.


Key Takeaways

  • Harvard Pilgrim Medicare Supplement plans, including popular offerings like Medigap Plans F, G, and N, are designed to fill the coverage gaps of Original Medicare, providing benefits for expenses such as coinsurance, copayments, and deductibles.
  • Medicare Plan G is favored for its comprehensive coverage, balancing costs, and extensive benefits, while Plan N offers a cost-effective alternative with lower monthly premiums and Plan F caters to those eligible before 2020 with near-complete cost-sharing coverage.
  • In addition to its standard plans, Harvard Pilgrim ensures wide accessibility with an extensive provider network and offers additional member support services like wellness programs, care management, and convenient mail-order pharmacy options.


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Understanding Harvard Pilgrim Medicare Supplement Plans

Understanding Harvard Pilgrim Medicare Supplement Plans


At their core, Harvard Pilgrim’s Medicare Supplement plans are structured to complement Original Medicare. They do this by managing additional out-of-pocket expenses such as deductibles, copayments, and coinsurance.

Choosing Harvard Pilgrim means opting for a trusted partner, committed to guiding you through the maze of healthcare expenses.


What is a Medicare supplement plan?

Medicare Supplement plans, also known as Medigap, are insurance policies provided by private companies like Harvard Pilgrim. Their primary purpose is to cover costs not covered by Original Medicare, including copayments, coinsurance, and deductibles. These plans are standardized, with each lettered plan (A-N) offering a different combination of benefits across insurers.


Why choose Harvard Pilgrim?

Harvard Pilgrim stands out as a leading not-for-profit health services company with a focus on delivering high-quality health plans in New Hampshire and beyond. With over 25 years in the Medicare Supplements business, Harvard Pilgrim brings a wealth of experience and stability to its members. It’s recognized for its commitment to preventative care and excellence in customer service and quality coverage.

As additional support, Harvard Pilgrim offers a glossary to clarify insurance terms and aid in exploring healthcare options.


Medicare Plan G – Best Value?

One of the standout offerings in Harvard Pilgrim’s Medicare Supplement plans is Plan G. Known for its comprehensive coverage, Plan G is often considered the best value among Medigap plans. It covers all gaps in Medicare except for the Part B deductible, striking a balance between comprehensive coverage and out-of-pocket costs.

Plan G offers a robust safety net for its enrollees, including coverage for:

  • Part A deductible
  • Coinsurance
  • Hospital costs
  • Access to the Client Service Team for assistance with issues like claim denials or rate shopping.


Medigap Plan N – Low-Cost Great Coverage

For those looking for a balance between affordable premiums and comprehensive coverage, Medigap Plan N is an ideal choice. It covers significant hospital and medical expenses, with the beneficiary only having to pay moderate out-of-pocket costs for routine care.

Plan N typically comes with lower monthly premiums, proving to be a cost-efficient health plan solution for those seeking thorough coverage without straining their finances.


Medicare Supplement Plan F – Do you qualify?

Medicare Supplement Plan F is another popular choice among Medicare members, providing coverage for all Medicare Part A and Part B cost-sharing. However, due to changes in the MACRA Act, it is no longer available to individuals who became eligible for Medicare on or after January 1, 2020. If you were eligible before this date, you might still be able to enroll in this comprehensive plan. It’s worth considering your options, including a Medicare Advantage plan, to find the best fit for your needs.

Plan F necessitates no out-of-pocket expenses beyond the monthly premium, establishing itself as a budget-friendly choice for several enrollees.



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Key Features of Harvard Pilgrim Medicare Supplement Plans

Key Features of Harvard Pilgrim Medicare Supplement Plans


Harvard Pilgrim Medicare Supplement Plans are unique in their features and benefits. They offer diverse coverage options to meet the varying healthcare needs of members. They come with a clear cost structure, including monthly premiums, copays, and annual deductibles.

Furthermore, health plan members have access to a broad network of providers, ensuring flexibility and easy access to healthcare services with the help of an in-network provider.


Coverage Details


Coverage Details


Harvard Pilgrim offers popular Medicare Supplement plans, including F, G, and N. These plans are characterized by a commitment to affordability and comprehensive coverage. They provide coverage benefits such as:

  • Health services outside the United States
  • Copayments
  • Coinsurance
  • Deductibles
  • Additional protection from hospitalization-related expenses.


Cost and Payment Policies

Insurance companies use different pricing methods to set premiums for their Medigap policies, which can influence both the current and future costs of the policies. However, Harvard Pilgrim’s Medicare Supplement plans are competitively priced, aligning with the market rates of the healthcare industry.

This guarantees you receive optimal value for your investment.


In-Network Providers and Facilities

In choosing a healthcare plan, the provider network plays a crucial role. It determines the range of doctors, specialists, and facilities you can access. Harvard Pilgrim’s network is extensive, ensuring that patients have access to a wide range of specialists and facilities.

This not only guarantees you receive top-notch care but also optimizes the medical benefits and other benefits of your plan from the effective date.


Comparing Medicare Supplement Plans: Harvard Pilgrim vs. Competitors

When it comes to choosing a Medicare Supplement plan, it’s always beneficial to compare your options. Harvard Pilgrim Medicare Supplement plans often provide more comprehensive coverage for services such as physical therapy and home health care compared to some competitors. Plus, they feature out-of-pocket cost caps, which some competitors do not offer.


Benefits and Coverage


Benefits and Coverage


While the benefits within each lettered Medigap plan are standardized and remain the same across all insurance companies, Harvard Pilgrim distinguishes itself through unique wellness programs integrated into their Medicare supplement plans, which may not be available with other competitors.

This implies you receive more than just coverage; you gain a partner dedicated to your holistic health and well-being, focusing on improving your health outcomes.


Cost and Value

Cost-effectiveness is a significant factor in choosing a Medicare Supplement Plan. While premiums may vary depending on factors like the insurance company and the beneficiary’s geographical location, Harvard Pilgrim’s Plan F is recognized for its cost-effectiveness given the extensive benefits it provides.


Provider Network and Accessibility

Your healthcare journey shouldn’t be limited by accessibility. With a Harvard Pilgrim Medicare supplement, you gain access to every provider in the country that accepts Medicare. This expansive provider network assures that you receive the necessary care, at the right time, from top professionals in the field.


Navigating Prior Authorization and Utilization Management



When it comes to managing your healthcare, understanding the process of prior authorization is crucial. Prior authorization requires either the provider or the member to obtain approval before receiving certain healthcare services or items. While providers are generally responsible for obtaining prior authorization for in-network services, as a member, you may need to obtain authorization yourself when seeing out-of-network providers or receiving services outside the designated service area.


Tips for Streamlining the Process

Navigating the world of prior authorization can seem complicated, but with the right approach, it doesn’t have to be. It’s all about knowing who to contact and what to do. Harvard Pilgrim offers dedicated phone lines for medical services, mental health, and substance use disorder treatments to handle prior authorization requests.

Also, providers are encouraged to submit a completed Medication Request Form via fax for any drugs requiring prior authorization, facilitating a faster review process.


Additional Support and Resources for Plan Members

At Harvard Pilgrim, the support extends beyond providing comprehensive coverage. They offer wellness programs tailored to support the health and well-being of plan members. Additionally, plan members can utilize care management services for assistance with chronic or complex health conditions, as well as the services of a pharmacy benefit manager.

For any inquiries, commercial members can reach customer service through multiple channels.


Wellness Programs

Harvard Pilgrim believes in promoting a healthy lifestyle among its members. That’s why they offer wellness programs, aimed at maintaining and improving your health and well-being. These programs are designed to help you lead a healthier, happier life.



In conclusion, Harvard Pilgrim Medicare Supplement Plans are a comprehensive solution designed to complement your Original Medicare coverage. They offer diverse coverage options, a clear cost structure, and access to a broad network of providers. With added benefits like wellness programs, care management services, and robust customer support, Harvard Pilgrim stands out as a reliable partner in your healthcare journey.

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Frequently Asked Questions

Does Harvard Pilgrim have a Medicare Supplement plan?

Yes, Harvard Pilgrim offers a Medicare Supplement Plan, and you can easily enroll by calling us today to compare their plan options and complete the application.


What is the most popular Medicare Supplement plan for 2025?

Plan G is the most popular Medicare Supplement plan for 2025, followed by Plan N.


Is Harvard Pilgrim under UnitedHealthcare?

Yes, Harvard Pilgrim’s National Plans are offered in alliance with United Healthcare for multi-site and multi-state employers based in Massachusetts, New Hampshire, and Maine. This partnership allows for expanded coverage and access to services.


Is Harvard Pilgrim good insurance?

Yes, Harvard Pilgrim has been consistently ranked as the top private health plan by the National Committee for Quality Assurance, with high member satisfaction and care quality.


What are the key features of Harvard Pilgrim Medicare Supplement Plans?

Harvard Pilgrim Medicare Supplement Plans offer diverse coverage options, a clear cost structure, access to a broad network of providers, wellness programs, care management services, and robust customer support. These features make them comprehensive and user-friendly.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about the Harvard Pilgrim Medicare Supplement Plans in 2025, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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