Harvard Pilgrim Health Care vs. UnitedHealthcare

Harvard Pilgrim Health Care vs. UnitedHealthcare

Harvard Pilgrim Health Care is a non-profit healthcare service provider situated in New England, United States. In 2019, Harvard Pilgrim and TUFTS Health Plan decided to merge into one single healthcare provider. Currently, it serves over 2.4 million customers in Massachusetts, Maine, Connecticut, New Hampshire, and Rhode Island. It is the second-largest health insurance company in Massachusetts. Originally founded in 1969, Harvard Pilgrim was formed from the Harvard Community Health Plan and Pilgrim Health Plan’s unification.

UnitedHealthcare is a US-based for-profit managed health care company and is the largest in the United States. Founded in 1977, Richard T. Burke set up its headquarter in Minnetonka, Minnesota. On the 2020 Fortune 500 list, UHC has ranked in 7th place. According to a 2020 report, UHC of UnitedHealth group has a market value worth $332.885 billion.

Harvard Pilgrim Health Care

Harvard Pilgrim offers various healthcare plans and services for its customers residing in the New England region of the United States. Their plan covers individuals, families, medicare, Medicaid, employers, and much more. Here are some of the plans offered by Harvard Pilgrim Health Care:

Affordable Care Act Plans

Affordable Care Act plans focus on comprehensive coverage and “Obama Care.” These plans go by the Affordable Care norms and are usually the most popular plans in the market. These plans can help you save a huge amount of money in case of any medical emergency.

Short- term plan

Short-term health insurance plans offer more coverage than affordable care plans. If you cannot meet the Affordable Care Act plan’s expense, you may want to try out a short-term plan. However, these plans will not bring any change to state fines.

Medical Indemnity Plans

Medical Indemnity plans or fee-for-service plans offer customers a certain amount of medical coverage. Also, medical Compensation Health Insurance pays you a fixed amount for services. Moreover, medical compensation plans or Medical Indemnity plans help cover out-of-pocket medical expenses after combining other insurance plans.


Medicare is a governmental health insurance program that provides health insurance to Americans aged 65 and older. It started in 1966 in the United States. They also offer medicare services for some younger people who have mental or physical disabilities.

Medicare Advantage Plans

Medicare Advantage plans provide the same benefits that Original Medicare offers. The only difference is that Medicare Advantage comes with added benefits like prescription drug plans, vision plans, etc. However, the insurance provider may have different rules and regulations depending on the customer and region.


UnitedHealthcare also offers a wide range of healthcare services and programs for its customers. Unlike Harvard Pilgrim Health Care, UnitedHealthcare serves throughout the United States. Their healthcare plans include –

Plans for individual and family

UnitedHealthcare offers HMO, PPO, HSA, etc. plans for individuals and their family members. It has a diverse network of doctors, clinics, and hospitals making it easier for customers to get services at any corner of the country. Customers can access many programs and services offered by Golden Rule Insurance Company, a UnitedHealthcare company.

Affordable Care Act (ACA) plans

Affordable Care Act plans offer comprehensive coverage and “Obama Care” and follow the Affordable Care rules. They are also called marketplace plans or exchange plans. These plans are reliable and affordable than other health care plans.

Medicare and Medicaid

Medicare is a government-run program that is offered only to people who are 65 or older. Another criterion to get selected for Medicare is a physical or mental disability. On the other hand, Medicaid is for individuals and families with lower incomes.

Self-employed plans

UnitedHealthcare offers various plans for self-employed people. You can qualify for these plans by fulfilling certain requirements posed by the insurance providers. You can choose from a variety of plans that fit your needs.

Dual Eligible Special Needs Plans (DSNP)

UnitedHealthcare offers health plans for people who meet the requirements for both Medicare and Medicaid. These Dual Eligible Special Needs Plans include –

  • Dental care
  • Eye exams
  • Hearing exams
  • Rides to health care visits and pharmacy
  • Credits to buy hundreds of health-related products

Children’s Health Insurance Program (CHIP)

UnitedHealthcare offers health care programs for children if they do not have health insurance. They provide low cost or no-cost coverage for infants, children, and teens that include –

  • Well-baby doctor visits
  • Shots
  • Hospital care
  • Prescriptions
  • Emergency care
  • Dental and vision care

What states Harvard Pilgrim Health Care cover?

Harvard Pilgrim Health Care provides health care services to the residents of the New England region of the United States. These include Massachusetts, Maine, New Hampshire, Connecticut, and Rhode Island.

What can I buy with a UnitedHealthcare OTC card?

UnitedHealthcare provides OTC card to its customers for buying medical supplies, such as –

  • Allergy medication
  • Cough drops
  • First-aid supplies
  • Oral care
  • Pain relievers
  • Vitamins and much more

UnitedHealthcare and Harvard Pilgrim Health Care are two of the best health insurance companies, one being the largest in the United States. They offer health care services at low costs or almost no deductibles. For more information regarding their services, you can visit https://www.uhc.com and www.harvardpilgrim.org.

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