Is there coverage for out-of-network services with Harvard Pilgrim First Seniority Freedom?

Yes, with Harvard Pilgrim First Seniority Freedom, there is limited coverage for out-of-network services. Members are eligible for reimbursement for out-of-network services, subject to certain limitations and conditions. The amount reimbursed depends on the member's plan and may be subject to deductibles, coinsurance, and out-of-pocket maximums. It is important to note that out-of-network providers may charge fees beyond the allowed amount, which would be the member's responsibility to pay. Harvard Pilgrim First Seniority Freedom encourages members to utilize in-network providers to maximize benefits and minimize out-of-pocket costs. Members can review their plan’s details or contact customer service for more information regarding coverage for out-of-network services.