by Russell Noga | Updated June 23rd, 2023
Do you have a Medicare supplement plan? These policies partially or fully cover the out-of-pocket expenses associated with Original Medicare Parts A & B.
The last thing your retirement planning needs is to cover a huge hospital or medical bill.
A Medigap plan provides insurance against this event. Private healthcare insurers offer Medigap plans to seniors over 65 enrolled in Medicare Parts A & B.
The best time to sign up for Medigap is in the six months after you turn 65. During this time, you will be guaranteed acceptance into the policy, even if you have pre-existing health conditions.
This article unpacks the Medigap offering from Harvard Pilgrim including their Medicare Supplement plans offered in 2024.
We’ll look at the plans available, average premium costs, plan benefits, and perks.
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Harvard Pilgrim Medicare Supplement Plans at a Glance
- Harvard Pilgrim serves Maine, New Hampshire, and Massachusetts with Medigap plans.
- The company offers five pans in Maine and New Hampshire, and three plans in Massachusetts.
- Harvard Pilgrim offers excellent additional perks for its Medigap clients, including discounts on hearing, vision, and dental services.
Who Is Harvard Pilgrim?
Incorporated in 1969, Harvard Pilgrim is an insurance company selling Medicare supplement plans to Massachusetts, Maine, and New Hampshire residents. They have headquarters in Canton, Massachusetts. And a history of 54 years serving these communities.
What Medicare Supplement Plans Does Harvard Pilgrim Offer?
In Maine and New Hampshire, Harvard Pilgrim sells five different Medigap plans, A, F, G, and M; in Massachusetts, it sells three plans.
Plan A – Basic benefits for Medicare Part A, with no Medicare Part A or B deductible coverage. The plan does cover Medicare Part B coinsurance and copayments.
Plan F – The highest level of cover and benefits in the Medigap range. Plan F also covers the Medicare Part B deductible.
Plan G – Near-comprehensive coverage. The only benefit not offered is coverage for the Medicare Part B deductible.
Plan M – This plans offers basic benefits for Medicare Part A & B and 50% coverage for the Medicare Part A deductible.
Plan N – This policy comes with copayments for visiting the doctor’s office and hospital. There is no coverage of Medicare Part B deductible or excess charges.
Medigap policies have different standardized benefits in Massachusetts. Wisconsin and Minnesota states have Federal waivers allowing them to operate differently. Massachusetts residents have options for three Medigap plans.
- Core Plan – The basic coverage with additional riders available.
- Supplement 1 Plan – Comprehensive coverage similar to Plan F.
- Supplement 1A Plan – Near comprehensive coverage similar to Plan G.
Harvard Pilgrim Medicare Supplement Plans – Benefits & Coverage
Medigap plans have standardized benefits for Original Medicare Parts A & B. The CMS regulates the industry, ensuring all Medigap healthcare providers meet regulatory standards for Medicare Part A & B benefits.
The Medigap benefits offered by Providence are the same as those offered by any other industry provider.
All Medigap plans offer the following benefits for Original Medicare Parts A & B.
- Part A coinsurance and hospital costs for up to 365 days after using up Medicare benefits.
- Part A hospice care coinsurance or copayment.
- Part B coinsurance or copayment.
- Blood transfusion costs for the first three pints of blood.
Plans F, G, and N offer additional Medicare Parts A & B benefits.
- Part A deductible.
- Part B excess charges (Plan N doesn’t cover these charges).
- Skilled nursing facility care coinsurance.
- 80% of emergency healthcare costs when traveling outside the US for 60 days. ($250 deductible and $50,000 maximum apply).
- Unlimited coverage for all out-of-pocket costs.
*Plan F is discontinued for seniors eligible for Medicare after January 1, 2020. If you qualify for Medicare before this date, you can request a Plan F policy from Harvard Pilgrim. However, unless you have protection from guaranteed issue rights, you’ll have to undergo medical underwriting when signing up.
The underwriting process looks at your pre-existing conditions. Depending on your risk profile, Harvard Pilgrim may charge you above-average rates for Plan F premiums, or deny your application to join its Medigap scheme.
What Harvard Pilgrim Medicare Supplement Plans Don't Cover
Medigap Plans cover medical and hospital benefits relating to Original Medicare Parts A & B. So, you don’t get coverage for private duty nursing services or stays at unskilled nursing homes. There’s also no coverage for prescription drugs or cosmetic procedures.
Medigap doesn’t cover expenses involved with vision, hearing, or dental services. There’s no coverage for preventative treatments with the physiotherapist, chiropractor, acupuncturist, or podiatrist. Medicare may cover these expenses if deemed medically necessary by your doctor. In this case, Medigap would cover the remaining out-of-pocket costs.
Harvard Pilgrim Medicare Supplement Plans – Premiums
Harvard Pilgrim uses your personal information to create a “risk profile” on you when assessing you for your monthly premiums. They’ll look at information on your gender, age, smoking status, and location in the United States to set your rates. Here are the average premiums a 65-year-old woman can expect to pay for Medigap plans from Harvard Pilgrim.
*Your premium rates may vary depending on your unique risk profile.
Harvard Pilgrim Medicare Supplement Plans – Additional Benefits & Discounts
Harvard Pilgrim offers its Medigap beneficiaries a discounted Universal Dental Plan, providing a 20% to 50% discount on dental procedures using its network of participating dentists. Members get discounts on hearing aids and eyewear, and savings on acupuncture sessions, massage therapy, and chiropractic care. Members also receive discounts at fitness facilities or classes.
Harvard Pilgrim Medicare Supplement Plans – Third-Party Ratings & Reviews
Harvard Pilgrim doesn’t have an AM Best rating due to its structure as a not-for-profit status and its size. Harvard Pilgrim Insurance has an A+ rating with the Better Business Bureau (BBB).
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Frequently Asked Questions
What are Harvard Pilgrim Medicare Supplement Plans?
Call Us for More Information on Harvard Pilgrim Medicare Supplement Plans
Call our fully licensed Medigap agents at 1-888-891-0229 for a free consultation and quote on Harvard Pilgrim Medigap plans. We’ll help you choose the best Medigap plan to cover your healthcare needs and source you the best rate on monthly premiums.
Russell Noga is the CEO of Medisupps.com, an online Medicare Agency and resource center helping Medicare beneficiaries learn about Medicare, Medigap and Part D drug plans, and Medicare Advantage plans since 2009. Russell is licensed in all 50 states and has been featured as a keynote speaker, and author of several publications, along with hosting the very popular Medisupps.com Youtube channel.