4 common health plan mistakes your employees might be making
Harvard Pilgrim offers both HSAs (Health Savings Accounts) and HRAs (Health Reimbursement Accounts) to support your employees who’ve selected a higher-deductible plan. Each can be an attractive medical expense fund option for employees who want lower premiums but are worried about unexpected out-of-pocket costs.
Our cost comparison tool allows members to estimate their out-of-pocket costs for hundreds of services and procedures and make more informed decisions about where they go for care.
Many of our plan designs are structured to drive toward quality services that have a lower out-of-pocket cost for members. We offer different network options and site-of-service benefits, such as our LP (Low-cost Provider) network in New Hampshire and the Flex benefit in Massachusetts.1
We offer your employees tools and support to find the level of care they need. To help them avoid costly and unnecessary ER visits, our plans cover multiple urgent care options, including a telemedicine service. Members can get fast and affordable urgent care by connecting with a doctor through a live video visit on their smartphones, tablets, or computers.
- Benefits Communication Survey Results. International Foundation of Employee Benefit Plans. https://www.ifebp.org/bookstore/benefits-communication-survey-results/Pages/benefits-communication-survey-results.aspx.
- Masterson L. UnitedHealth survey: Most Americans don’t understand basic health plan terms. Healthcare Dive. October 10, 2017.https://www.healthcaredive.com/news/unitedhealth-survey-most-americans-dont-under¬stand-basic-health-plan-term/506895/.
- Fay B. Emergency rooms vs. urgent care centers. Debt.org. https://www.debt.org/medical/emergency-room-urgent-care-costs.