These are PPO deductible plans and unlike the HMO, members are not required to select a PCP or obtain referrals for specialty care. PPO members have access to the Harvard Pilgrim Network in New England and outside of NE, members can access the United Health Care national network. The Health Savings Account (HSA) allows members to use pre-tax funds to pay medical expenses, and the funds are owned by the member.
While preventive services such as physical exams are covered in full, with an HSA, most services, including prescription drugs, track toward the deductible and then coinsurance.
- Schedule of Benefits (SOB) (pdf)
- Summary of Benefits & Coverage (SBC) (pdf)
- Premium 4 Tier Prescription Drug Coverage (pdf)