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Harvard Pilgrim medicare supplement insurance: Packages & Ratings
Harvard Pilgrim is a Medicare Advantage and Medicare Supplement (Medigap) insurance provider. These plans are sold to residents of Massachusetts, Maine, and New Hampshire. Harvard Pilgrim offers five distinct Medigap plan options in Maine and New Hampshire. It offers three different types of plans in Massachusetts. If you live in one of these states and are looking for Medigap coverage, here’s what you should know about Harvard Pilgrim’s options.
What services are covered by Harvard Pilgrim supplement plans?
Medigap insurance is sold by private insurance firms such as Harvard Pilgrim to lower your out-of-pocket expenses. The plans are standardised and titled after the letters A through N, albeit some are no longer accessible (for example, Plan H and Plan J). These are distinct from the letter-name components of Medicare, such as Medicare Parts A and B. Medicare Parts refer to your healthcare coverage, such as hospital insurance (Part A) or medical insurance (Part B) for things like doctor’s visits. Medigap policies help to offset the costs of this coverage. Among the expenses that Medigap policies can cover are:
- Part A costs. Part A charges, such as the Part A deductible, Part A coinsurance, and Part A hospice and skilled nursing facility care deductibles or copayments, may be covered by Medigap policies.
- Part B costs, such as coinsurance or copayments, and Part B excess charges, may be covered by Medigap plans.
- Treatment for foreign travel emergencies. This coverage option assists with the payment of certain healthcare costs (typically up to roughly 80%) while travelling internationally.
- Up to the first three quarts of blood If you need a blood transfusion while in the hospital, these plans will cover the first three pints of blood, which can be expensive to pay for out of pocket.
- Out-of-pocket expenses Plans K and L restrict out-of-pocket spending to a certain amount. If you spend the predetermined amount on healthcare in a particular year, your Medigap coverage will cover the remainder of your out-of-pocket spending for the rest of the year.
In terms of coverage, each policy is unique. When deciding on the ideal one for you, keep your needs and budget in mind.
Harvard Pilgrim Medigap plan extra benefits
Plan users can also take advantage of additional benefits provided by Harvard Pilgrim. Discounts and savings programmes, for example, are examples of these perks.
- Membership in the Universal Dental Plan, which provides a 20 to 50% discount on any dental services performed by its network of affiliated practitioners.
- Discounts on hearing aids and eyewear
- Savings on alternative therapies including massage therapy, acupuncture, and chiropractic care
- Reimbursement for fitness facility or class subscription fees
New Hampshire and Maine
Customers in New Hampshire and Maine can purchase Medicare supplement insurance A, F, G, M, and N through Harvard Pilgrim. These Medigap policies are standardised and have the following features:
- Medigap Plan A covers Part A and Part B coinsurance but not skilled nursing facility coinsurance, foreign travel exchange, or the Medicare Part A and Part B deductibles.
- Plan F was the most comprehensive Medigap plan until Medicare discontinued its distribution to new Medicare beneficiaries on January 1, 2020. The plan covers coinsurance, copayments, and deductibles for Parts A and B, as well as blood up to the first three pints and 80 percent of overseas travel health costs.
- Plan G is the most comprehensive Medigap plan available, covering Medicare Part A and Part B coinsurance and copayments, the Part A deductible, blood up to three pints, and 80 percent of overseas travel healthcare costs.
- Medigap Plan M. Medigap Plan M covers, among other things, Part A coinsurance and hospice care coinsurance, blood up to the first three pints, and half of the Medicare Part A deductible.
- Medigap Plan N is similar to Plan M in that some office and emergency department visits demand a copayment.
Below is a chart that allows you to compare the Medigap plans that Harvard Pilgrim offers:
Plan A | Plan F | Plan G | Plan M | Plan N | |
---|---|---|---|---|---|
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up | yes | yes | yes | yes | yes |
Part B coinsurance or copayments | yes | yes | yes | yes | yes, with some set copayments |
Blood (first 3 pints) | yes | yes | yes | yes | yes |
Part A hospice care coinsurance or copayments | yes | yes | yes | yes | yes |
Skilled nursing facility care coinsurance | no | yes | yes | yes | yes |
Part A deductible | no | yes | yes | 50% | yes |
Part B deductible | no | yes | no | no | no |
Part B excess charges | no | yes | yes | no | no |
Foreign travel exchange (up to plan limits) | no | 80% | 80% | 80% | 80% |
Available plans in Massachusetts
Massachusetts structures Medigap plans differently than most states. Instead of having plan options A through N, Massachusetts has three plans:
- Core Plan
- Supplement 1 Plan
- Supplement 1A Plan
The following chart compares the coverage offered by each of these plan types:
Core Plan | Supplement 1 Plan | Supplement 1A Plan | |
---|---|---|---|
Basic benefits | yes | yes | yes |
Part A inpatient hospital deductible | no | yes | yes |
Skilled nursing facility coinsurance | no | yes | yes |
Part B deductible | no | yes* | no |
Foreign travel emergency | no | yes | yes |
Inpatient days in mental health hospitals | 60 days | 120 days | 120 days |
State-mandated benefits | yes | yes | yes |
*Note that if you’re new to Medicare after January 1, 2020, you can no longer purchase a Supplement 1 Plan due to changes that prohibit new policies from covering the Part B deductible.
The “basic benefits” referenced in the chart above cover the following costs:
- Part A coinsurance plus coverage for 365 additional days after Medicare coverage ends
- Part B coinsurance
- first three pints of blood
- hospice coinsurance or copayments
The state-mandated benefits cover costs such as Pap tests and mammograms. You can check your plan details for additional coverage required in your state.
How much do Harvard Pilgrim Medicare supplement plans cost?
Medicare supplement plans can vary based on:
- the plan selected
- the area you live in
- other factors, such as your age and if you smoke
You can search for cost estimates for Medigap plans using Medicare’s plan finder tool.
The following are some examples of monthly Medigap premium ranges in Harvard Pilgrim’s service areas. For these examples, we used data for a 65-year-old woman who doesn’t smoke.
Plan A | Plan F | Plan G | Plan M | Plan N | |
---|---|---|---|---|---|
Bangor, ME | $134–$293 | $220–$378 | $199–$353 | $172–$312 | $155–$225 |
Portland, ME | $134–$293 | $220–$378 | $199–$353 | $172–$313 | $155–$225 |
Concord, NH | $98–$198 | $174–$354 | $139–$330 | $156–$211 | $102–$252 |
Core Plan | Supplement 1 Plan | Supplement 1A Plan | |
---|---|---|---|
Boston, MA | $108–$163 | $201–$259 | $156–$251 |
Cambridge, MA | $108–$163 | $201–$259 | $156–$251 |
These are just cost estimates. Monthly premiums may vary based on your ZIP code, age, and overall health status.
You can contact the company directly for a price quote for your specific situation.
What is Medigap?
Medigap aims to reduce out-of-pocket spending when you have original Medicare (parts A and B).
These standardized policies are intended to reduce your costs under Medicare, which include:
- copayments
- coinsurance costs
- deductibles
Unlike with many Medicare policies, you can sign up for Medigap at any time. You are first eligible during your initial enrollment period: the 3 months before, the month of, and the 3 months after your 65th birthday.
Medigap plans are location-specific. Not all plans are offered in every state, and Medicare doesn’t require insurance companies to sell every Medigap plan.
If you have Medicare Advantage (Part C), you can’t purchase a Medigap policy.
However, you can have original Medicare with a Part D (prescription drug) policy and a Medigap policy. Medicare requires you to have a Part D policy, but you don’t have to purchase a Medigap plan.
Source: Healthline Media
Note: The material on this website may help you make personal insurance decisions, but it is not meant to provide advice on the purchase or use of any insurance or insurance products. Society World Media does not conduct insurance business in any way and is not licenced as an insurance firm or producer in any US jurisdiction. Society World Media does not encourage or endorse any third parties who may conduct insurance transactions.
Business
Seaside Serenity: Exploring the Allure of Luxury Waterfront Homes for Sale
Nestled along the glistening shores of pristine coastlines, luxury waterfront homes epitomize the epitome of refined living, offering unparalleled elegance, breathtaking vistas, and a lifestyle of leisure and opulence. From magnificent oceanfront estates to serene lakeside retreats, these coveted properties represent the pinnacle of real estate excellence, captivating discerning buyers seeking the ultimate in waterfront living. Let’s embark on a journey to explore the allure of luxury waterfront homes for sale and discover the enchanting world that awaits those who embrace coastal living.
Captivating Coastal Retreats
Luxury waterfront homes for sale boast an array of captivating features and amenities designed to elevate the coastal living experience to new heights of indulgence and sophistication. Picture-perfect views of azure waters stretching to the horizon, private sandy beaches caressed by gentle ocean breezes, and expansive terraces ideal for alfresco dining and entertaining under the stars. These magnificent residences offer a sanctuary of serenity where every day feels like a vacation, enveloped in the tranquillity and beauty of the waterfront landscape.
Architectural Masterpieces
From sleek modern marvels to timeless coastal classics, luxury waterfront homes showcase architectural excellence and innovative design, seamlessly integrating indoor and outdoor living spaces to maximize the enjoyment of the stunning waterfront surroundings. Floor-to-ceiling windows frame panoramic ocean vistas while soaring ceilings and open-concept layouts create an airy and inviting ambience. High-end finishes, custom millwork, and state-of-the-art amenities abound, ensuring that every aspect of the home exudes luxury and sophistication.
Unrivalled Amenities and Lifestyle
Luxury waterfront living offers a wealth of amenities and recreational opportunities tailored to the discerning tastes of homeowners. Imagine starting your day with a refreshing dip in your infinity-edge pool overlooking the shimmering waters, followed by a stroll along your private dock or a morning paddleboard session along the tranquil coastline. In the evenings, gather with friends and family for sunset cocktails on the terrace or indulge in gourmet dining experiences at nearby world-class restaurants. With access to exclusive amenities such as yacht clubs, golf courses, and spa retreats, luxury waterfront homeowners enjoy a lifestyle of unparalleled leisure and luxury.
Investment Potential and Prestige
Beyond their intrinsic beauty and allure, luxury waterfront homes represent a sound investment opportunity and a symbol of prestige and success. With limited supply and high demand, waterfront properties often appreciate over time, offering a solid return on investment for discerning buyers. Moreover, owning a luxury waterfront home conveys a sense of status and achievement, reflecting one’s discerning taste and appreciation for the finer things in life.
Top Luxury Waterfront Property Locations in the USA
- New York, NY
- Naples, FL
- Austin, TX
- Chicago, IL
- Houston, TX
- Los Angeles, CA
- North East, MD
- Miami, FL
- Panama City, FL
- Atlanta, GA
Popular Types of Waterfront Homes for Sale in the USA
- Houses
- Condos
- Land
- Co-Ops
- Apartments
- Farm Ranches
- Estates
- Villas
- Penthouses
- Townhouses
- Private Islands
- Country Homes
- Chalets
Popular Searches for Waterfront Homes in the USA
- Homes with a pool for sale in the USA
- Gated community homes for sale in the USA
- Penthouses for sale in the USA
- Mountain view homes for sale in the USA
- Ocean view homes for sale in the USA
- Private Islands for Sale in the USA
- Equestrian homes for sale in the USA
- Condos for sale in the USA
- Villas for sale in the USA
- Farm ranches for sale in the USA
Luxury Waterfront Homes for Sale in California, USA
- Pacifica, California, United States – $999,000
- Dana Point, California, United States – $8,750,000
Popular Locations in California, USA
- Los Angeles, CA, United States
- San Francisco, CA, United States
- San Diego, CA, United States
- San Jose, CA, United States
- Reno, NV, United States
- Newport Beach, CA, United States
- Napa, CA, United States
- Malibu, CA, United States
- Santa Rosa, CA, United States
- Beverly Hills, CA, United States
Conclusion
In a world where luxury is synonymous with exclusivity and refinement, luxury waterfront homes for sale stand as beacons of coastal elegance and sophistication. Offering unparalleled beauty, prestige, and lifestyle amenities, these magnificent residences represent the epitome of waterfront living, captivating discerning buyers seeking the ultimate in coastal luxury. Whether as a primary residence, vacation retreat, or investment property, owning a luxury waterfront home is an investment in a lifestyle of unparalleled leisure, beauty, and serenity.
Business
The Essential Role of Personal Injury Protection Insurance for Self-Employed Professionals
As a self-employed individual, you are your business. Your ability to work and earn an income is crucial to your success and financial stability. However, accidents and injuries can happen at any time, leaving you unable to work and putting your business at risk. Personal Injury Protection (PIP) insurance can provide financial protection and peace of mind, ensuring that you can continue to support yourself and your business even if you’re unable to work due to an injury.
What is Personal Injury Protection Insurance?
Personal Injury Protection insurance is a type of insurance that provides financial support if you’re injured and unable to work. It can help cover lost wages, medical expenses, and other related costs, ensuring that you can focus on your recovery without worrying about the financial implications.
Why Do Self-Employed Individuals Need PIP Insurance?
Self-employed individuals are particularly vulnerable to the financial impact of an injury. Without a steady paycheck and employer-provided benefits, an injury can quickly lead to financial ruin. PIP insurance can provide a safety net, ensuring that you can continue to support yourself and your business even if you’re unable to work.
Benefits of PIP Insurance for Self-Employed Individuals
PIP insurance offers numerous benefits for self-employed individuals, including:
- Financial support: PIP insurance provides a weekly or monthly benefit to help cover lost wages and other expenses.
- Medical coverage: PIP insurance can help cover medical expenses related to your injury.
- Rehabilitation support: PIP insurance can provide support for rehabilitation and therapy to help you recover from your injury.
- Business protection: PIP insurance can help ensure that your business continues to operate even if you’re unable to work.
How to Obtain PIP Insurance
Obtaining PIP insurance is straightforward:
- Contact a licensed insurance agent or broker who specializes in PIP insurance.
- Provide information about your business and income.
- Choose a policy that meets your needs and budget.
- Pay the premium and maintain coverage to ensure continuous protection.
Conclusion
As a self-employed individual, your ability to work is your most valuable asset. Personal Injury Protection insurance can provide financial protection and peace of mind, ensuring that you can continue to support yourself and your business even if you’re unable to work due to an injury. Don’t leave your livelihood to chance; invest in PIP insurance today and protect your future.
Business
Securing Peace of Mind: Exploring High-Risk Homeowners Insurance Coverage Options
As a homeowner, you want to protect your most valuable asset from unexpected events like natural disasters, theft, and accidents. However, if you live in a high-risk area or have a history of claims, you may struggle to find affordable homeowners insurance. High-risk homeowners insurance coverage options are available to help you safeguard your home and finances. In this article, we’ll delve into the world of high-risk homeowners insurance, exploring what it is, who needs it, and how to find the right coverage for your high-risk home.
What is High-Risk Homeowners Insurance?
High-risk homeowners insurance is a type of insurance policy designed for homes that pose a higher risk to insurance companies. This may include:
- Homes in high-crime areas
- Homes in flood zones or areas prone to natural disasters
- Homes with a history of claims or damage
- Homes with poor maintenance or outdated systems
- Homes with high-value items or collections
Who Needs High-Risk Homeowners Insurance?
If you live in a high-risk area or have a home that poses a higher risk to insurance companies, you may need high-risk homeowners insurance. This includes:
- Homeowners in coastal areas prone to hurricanes or flooding
- Homeowners in wildfire-prone areas
- Homeowners with a history of claims or damage
- Homeowners with high-value items or collections
- Homeowners with poor credit or a high claims history
High-Risk Homeowners Insurance Coverage Options
While traditional insurance companies may deny coverage or charge exorbitant rates, specialized high-risk homeowners insurance providers offer affordable coverage options, including:
- Non-standard insurance companies
- Surplus lines insurance
- Specialty insurance brokers
- State-run insurance programs (e.g., FAIR plans)
Tips for Finding High-Risk Homeowners Insurance
Finding the right high-risk homeowners’ insurance coverage requires research and patience. Here are some tips to get you started:
- Shop around and compare quotes
- Work with a specialized insurance broker
- Consider a higher deductible
- Bundle policies for discounts
- Improve your home’s safety features and maintenance
Conclusion
High-risk homeowners insurance coverage options are available for those who need it most. By understanding what high-risk homeowners insurance is, who needs it, and how to find the right coverage, you can protect your home and finances from unexpected events. Don’t let your high-risk home leave you vulnerable; explore high-risk homeowners insurance options today and secure your peace of mind.
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