What Medicare Advantage Plans Does Harvard Pilgrim Offer?

Harvard Pilgrim Medicare Advantage plan options

Harvard Pilgrim and Tufts Medicare offer three main types of plans: Health Maintenance Organizations (HMOs), HMO Point-of-Service (HMO-POS) plans, and Preferred Provider Organizations (PPOs).

Harvard Pilgrim and Tufts Medicare Preferred HMO plans

An HMO plan covers care from providers within the plan’s network. These providers are referred to as being “in-network.”

If you receive care outside your plan’s network, you may be responsible for paying some or all of the cost. Exceptions may be made for emergencies or urgent care.

The level of coverage offered by these plans varies. Some offer more basic benefits, while others are more inclusive.

Harvard Pilgrim and Tufts Medicare Preferred HMO-POS plans

An HMO-POS plan is similar to an HMO plan. In an HMO-POS plan, you may be able to receive some care out of network. However, you’ll pay a higher copay or coinsurance cost to do so.

Learn about the differences between HMO plans and other insurance plans.

Harvard Pilgrim and Tufts Medicare Preferred PPO plans

PPO plans also have a network of physicians, but you can also choose to receive care from out-of-network providers. You may have to pay more for this care. These plans provide more options but usually at a higher cost.

Harvard Pilgrim and Tufts Medicare Preferred Part D options

Medicare Part D plans are prescription drug plans sold by private insurance companies.

Harvard Pilgrim currently doesn’t sell stand-alone Part D plans. Instead, all its Medicare Advantage plans come bundled with Part D coverage.

What states offer Harvard Pilgrim and Tufts Medicare Preferred Medicare Advantage plans?

Harvard Pilgrim offers a variety of Medicare Advantage plans in the Northeastern United States. States where plans are offered in 2025 include:

• Massachusetts
• New Hampshire

The availability of specific plans may vary by location. Some Harvard Pilgrim Medicare Advantage plan types may not be offered in your area.

What do Harvard Pilgrim and Tufts Medicare Preferred Medicare Advantage plans cover?

Medicare Advantage plans are required to cover at least as much as Original Medicare (Part A and Part B) covers.

This means Harvard Pilgrim Advantage plans must cover the following types of services:

• visits to primary care doctors or specialists
• diagnostic laboratory tests
• preventive care
• short-term inpatient stays at hospitals and skilled nursing facilities
• emergency and urgent care
• emergency transportation by ambulance
• outpatient sessions with a psychiatrist or other mental health professional
• occupational and physical therapy
• medical equipment or supplies, such as wheelchairs, oxygen, or diabetes supplies
• telehealth services
• hearing exams
• treatment programs for substance use disorders

Some Medicare Advantage plans include additional benefits that Original Medicare doesn’t cover. For example, all Harvard Pilgrim Medicare Advantage plans offer some coverage of:

• prescription drugs
• preventive dental care
• periodontics
• vision, including eye exams, contacts, and eyeglasses
• hearing aids, including evaluation and fitting
• annual physicals
• over-the-counter drug benefits
• transportation for nonemergency care

Some types of Harvard Pilgrim Medicare Advantage plans may even include extra benefits like:

• comprehensive dental care
• alternative therapies for pain management, such as massage and acupuncture
• fitness benefits
• installation of safety devices within your home, such as a safety bar in the shower
• emergency care while traveling outside of the country

How much do Harvard Pilgrim and Tufts Medicare Preferred Medicare Advantage plans from Harvard Pilgrim cost?

The costs of any Medicare Advantage plan can depend on the specific plan you choose and your location. Some costs associated with these plans include:

• Monthly premiums: You’ll pay this amount every month for your plan. Some plans do not have a monthly premium.
• Copays and coinsurance: You’ll pay for these after receiving care from a provider. For HMO-POS plans, copays and coinsurance will be more expensive if you use an out-of-network provider.
• Deductibles: Some Medicare Advantage plans may have a health or drug deductible that you must pay before they begin covering costs.
• Out-of-pocket costs: If a service or provider isn’t included in your plan, you may be responsible for paying any costs.

The table below compares the costs of different Harvard Pilgrim Medicare Advantage plans in Boston, MA.

What is Medicare Advantage (Medicare Part C)?

Medicare Advantage (Part C) is a type of insurance plan sold by private companies. You can enroll in a Medicare Advantage plan as an alternative to Original Medicare (parts A and B).

While Medicare Advantage plans must offer at least the same benefits as Original Medicare, they may also include additional coverage. Some examples of these extra benefits include:

• dental
• hearing
• vision
• annual physicals
• transportation
• fitness benefits, such as the SilverSneakers program

The types of plans and their costs vary by location. That’s why it’s important to compare the different Medicare Advantage plans in your area before deciding on one.

The bottom line  

Harvard Pilgrim offers several different Medicare Advantage plans in Massachusetts. These plans are called Tufts Medicare Preferred.

Medicare Advantage plans from Harvard Pilgrim cover the same services as Original Medicare and offer additional benefits like preventive dental care, vision, and hearing aids. Some specific plans may provide even more benefits.

The cost of these plans can vary depending on the specific type of plan and your location. This means some types of plans may not be available in your area. You can compare different plans with Medicare’s plan finder tool before choosing one to get the right coverage for your needs and budget.

Harvard Pilgrim also offers Medicare supplement (Medigap) plans to people with Original Medicare.