Maine plan offerings

Individual and family plans offered directly through Harvard Pilgrim or on CoverME.gov. Get details on benefits, cost sharing and more in our 2024 Maine product guide.

 

HMO and HMO HSA

Choose a primary care provider (PCP) from Harvard Pilgrim’s HMO network. They’ll coordinate your care with participating specialists and hospitals.

Plan details:

 

Maine’s Choice Plus HMO and Maine’s Choice Plus HMO HSA

Flexible plans that can help you save money with two networks of providers and hospitals.

Plan details:

 

POS

Choose to get care with or without referrals and outside of Harvard Pilgrim’s network.

Plan details:

  • PCP required
  • In-network coverage and lower cost sharing when you receive care for covered services from participating providers with your PCP’s referral*
  • Out-of-network coverage and higher cost sharing when you receive care for covered services from:
    • Participating providers without your PCP’s referral
    • Non-participating providers
  • Find participating doctors and hospitals in the POS provider directory
  • Includes Value 5-Tier prescription drug coverage

 

PPO

Choose to get care from providers inside or outside of our extensive network.

Plan details:

  • PCP encouraged but not required
  • Referrals not required
  • In-network coverage and lower cost sharing when you receive care for covered services from participating providers
  • Out-of-network coverage and higher cost sharing when you receive care for covered services from non-participating providers
  • Find participating doctors and hospitals in the PPO provider directory
  • Includes Value 5-Tier prescription drug coverage

Disclosures

*Certain in-network services do not require referrals.