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AVAILABLE IN MASSACHUSETTS AND NEW HAMPSHIRE HMO (Health Maintenance Organizations) MA and NH Members of the Harvard Pilgrim HMO (health maintenance organization) receive coverage for routine and preventive care services with little or no paperwork such as bills or claim forms. Care is typically covered in full after a small co-payment. The HMO plans are available to the self-employed and small business owner. Harvard Pilgrim utilizes an extensive panel of doctors available in a multitude of medical settings, such as individual practices, group practices and large multi specialty groups. HSA (Health Savings Accounts) MA and NH The HPHC Insurance Company Best Buy HSA PPO is a plan that provides the opportunity of reducing annual premiums. It also allows money to be put aside in a tax-deductible health savings account to help offset medical costs below the plan deductible. The Best Buy HSA PPO has in and out-of-network deductibles, while offering extensive freedom of choice of doctors and hospitals without the necessity of a referral. POS (Point of Service) NH only Members of the Harvard Pilgrim POS (point of service) receive greater choice while still receiving the advantages of a managed care plan. Members receive the same benefits as the HMO but also have the opportunity to receive care outside of Harvard Pilgrim's physician and hospital network. Members can see any provider without a referral. When self-referring, members share the cost of health care through a plan deductible and coinsurance. RETIREE HEALTH PLANS One plan is available to group retirees and working employees that have attained age 65. FIRST SENIORITY (MA and NH) First Seniority is a Medicare Advantage HMO health plan for people who are entitled to Medicare or already enrolled in Medicare. Members of First Seniority have access to over 16,000 physicians including 824 Primary Care. The plan includes unlimited prescription drug coverage with only small-tiered co-payments. It also allows access to any Medicare participating doctor in the United States. Higher co-payments are charged for non-contracted providers. EMERGENCY CARE Members are always covered for care in a serious medical emergency. Members should receive treatment at the nearest emergency facility, call 911 or another local emergency number. WORLDWIDE COVERAGE If traveling and in need of immediate care, members go to the nearest medical facility. Harvard Pilgrim covers any unexpected or unforeseen care needed when traveling outside of the service area. Click here to go to the Harvard Pilgrim Health Plan Web Site