Harvard offers you a choice of several medical plans so that you can compare the options and select a plan that best meets your and your family’s needs and preferences. All plans (except the PPO) are offered through both of our providers: Harvard’s own Harvard University Group Health Plan (HUGHP) and top-rated Harvard Pilgrim Health Care (HPHC). See how the two provider networks compare here.

Plan options

Health Maintenance Organization (HMO)
With an HMO, you select a primary care physician (PCP) who coordinates your care and can provide you with referrals to in-network specialists. Out-of-network care is not covered, except in certain emergency situations. 

Point of Service (POS)
Like an HMO, you designate a PCP. However, you have the flexibility to use out-of-network providers for services.

Also available to Faculty and Nonunion Staff
High-Deductible Health Plan (HDHP) Featuring lower premiums and higher deductibles than a traditional health plan, the HDHP is offered in conjunction with a Health Savings Account (HSA). (External postdocs and stipendees are not eligible for this plan.)

POS Plus
With the same benefits as a traditional POS, the POS Plus plan has higher premiums and a higher out-of-pocket maximum in exchange for no deductible or coinsurance for in-network services. 

Also available to Local 26, HUPA, HUSPMGU and SEIU
Preferred Provider Organization (PPO)
Available only to employees who live outside Massachusetts. Go to any health care professional you choose inside or outside your network without a PCP referral. Only available through HPHC.

Learn more by reviewing our Medical Plans OverviewPrescription coverage is included in all plans and is provided through OptumRx; you can create an online account at

Additional  plans

Global benefit program
For eligible employees working abroad. Learn more.

Retiree health programs
Benefits for employees who are in retirement.  Learn more.

Compare plan features and rates

To compare plans available to you, including rates and coverage options, please go to the Plan Rates & Features page and choose the information for your employee group.

Fitness reimbursement benefit

Harvard Pilgrim Health Care and HUGHP provide members with a fitness reimbursement of up $150 annually toward membership at gyms/fitness facilities. Check with your health plan provider for details about eligible facilities and reimbursement instructions.

Form 1095-C

Harvard is required under the federal Affordable Care Act (ACA) to provide Form 1095-C to active employees eligible for Harvard group health coverage in 2016, indicating that coverage meets the ACA's "Minimum Essential Coverage." The 2016 form was mailed to your home in February 2017 and should be kept with your tax records (although you are not required to submit the form with your tax return). You can learn more here: