# Non-Union Your Covered Benefits are based on a calendar year and your out of pocket cost will depend upon the type of service you have, the location of the service, and the type of plan you elected. Select your plan information below to learn more about your plan benefits and your out of pocket costs. ## Full Benefit Summaries & Descriptions for 2026 ### HMO - [**HMO Summary of Benefits**](/sites/g/files/omnuum11506/files/2026-01/hughp-non-union-hmo-2026_0.pdf "HUGHP Non-Union HMO 2026") - [**HMO Benefit Description**](/sites/g/files/omnuum11506/files/2026-02/hmo-non-union-benefit-description-2026.pdf "HUGHP Non-Union HMO Benefit Description 2026") - [**HMO Benefit Description (Early Retiree Non Sal Non Employee)**](/sites/g/files/omnuum11506/files/2026-02/hmo-non-union-benefit-description-2026-early-retiree-non-sal-non-employee.pdf "HUGHP Non-Union HMO Benefits Description (Early Retiree Non Sal Non Employee) 2026") ### POS - [**POS Summary of Benefits**](/sites/g/files/omnuum11506/files/2026-01/hughp-non-union-pos-2026_0.pdf "HUGHP Non-Union POS 2026") - [**POS Benefit Description**](/sites/g/files/omnuum11506/files/2026-02/pos-non-union-benefit-description-2026.pdf "HUGHP Non-Union POS Benefit Description 2026") - [**POS Benefit Description (Early Retiree Non Sal Non Employee)**](/sites/g/files/omnuum11506/files/2026-03/pos-non-union-benefit-description-2026-early-retiree-non-sal-non-employee.pdf "HUGHP Non-Union POS Benefits Description (Early Retiree Non Sal Non Employee) 2026") ### POS Plus - [**POS Plus Summary of Benefits**](/sites/g/files/omnuum11506/files/2025-10/hughp-non-union-pos-plus-2026.pdf "HUGHP Non-Union POS Plus 2026") - [**POS Plus Benefit Description**](/sites/g/files/omnuum11506/files/2026-02/pos-plus-non-union-benefit-description-2026.pdf "HUGHP Non-Union POS Plus Benefit Description 2026") - [**POS Plus Benefit Description (Early Retiree Non Sal Non Employee)**](/sites/g/files/omnuum11506/files/2026-02/pos-plus-non-union-benefit-description-2026-early-retiree-non-sal-non-employee.pdf "HUGHP Non-Union POS Plus Benefits Description (Early Retiree Non Sal Non Employee) 2026") ### Non-Union Plan Descriptions from 2025 expand\_more ## 2025 Summaries ### HMO - [**HMO Summary of Benefits**](/sites/g/files/omnuum11506/files/hughp/files/hughp_non-union_hmo_2025.pdf "hughp_non-union_hmo_2025.pdf") - [**HMO Benefits Description**](https://hughp.harvard.edu/sites/g/files/omnuum11506/files/2025-08/HUGHP-HMO-NON-UNION.pdf) ### POS - [**POS Summary of Benefits**](/sites/g/files/omnuum11506/files/hughp/files/hughp_non-union_pos_2025.pdf "hughp_non-union_pos_2025.pdf") - [**POS Benefits Description**](https://hughp.harvard.edu/sites/g/files/omnuum11506/files/2025-08/HUGHP-POS-NON-UNION.pdf) ### POS Plus - [**POS Plus Summary of Benefits**](/sites/g/files/omnuum11506/files/hughp/files/hughp_non-union_pos-plus_2025.pdf "hughp_non-union_pos-plus_2025.pdf") - [**POS Plus Benefits Description**](https://hughp.harvard.edu/sites/g/files/omnuum11506/files/2025-08/HUGHP-POS-PLUS-NON-UNION.pdf) ## Current Plans at a Glance For out-of-pocket costs, please see your plan summary or benefit description noted above. HMO POS POS Plus ## HMO For out-of-pocket costs, please see your plan summary or benefit description noted above. ## Below is a summary of your plan benefits. View your Benefit Description for more details. ## On this Page - [How the Plan Works](#how-plan-works-non-union-hmo) - [Urgent and Emergency Care](#urgent-emergency-care-non-union-hmo) - [Preventive Care](#preventive-care-non-union-hmo) - [Outpatient Care](/non-union#outpatient-care-non-union-hmo) - [Inpatient Care](#inpatient-care-non-union-hmo) - [Prescriptions](#prescriptions-non-union-hmo) --- ## How the Plan Works ### Primary Care Provider You must choose a primary care provider (PCP) for you and each member on the plan from the HUGHP network of participating providers. To find a HUGHP PCP, visit our [**Find a Doctor webpage**](/find-doctor) or call us at (617) 495-2008. ### Service Area The plan’s service area includes all cities and towns in the Commonwealth of Massachusetts. **Note:** Urgent and emergency services are covered when outside the service area. ### Deductible *This is the cost you pay out-of-pocket before you can receive coverage for some benefits under this plan.* ### Out-of-Pocket Maximum *This is the most that you could pay during a plan year for deductibles, copayments, and coinsurance for covered services.* ### Referrals Most visits with a specialist will require a referral from your primary care provider before your appointment. Otherwise, you will pay all costs associated with the appointment. If the specialist you were referred to wants you to see another provider, contact your primary care physician to get a referral for any other visits. **Services that Do Not Require a Referral:** - Behavioral Health outpatient office visits - Chiropractor - Emergency medical care - Nutrition counseling - OB/GYN - Ophthalmologist/Optometrist for routine eye exams only (HMO plan requires a referral for a diagnostic or sick visit) --- ## Urgent and Emergency Care ### Emergency Room Services *A suspected heart attack, stroke, poisoning, and loss of consciousness are examples of medical emergencies. Go directly to the nearest medical facility or call 911 (or the local emergency phone number).* This fee is waived if you’re admitted to the hospital or for an observation stay. ### Urgent Care *A sprained ankle, an earache, and a fever are examples of illnesses and injuries that may require urgent care.* **The copayment you are charged will depend on where you are seen.** If you need urgent care, your PCP’s office will schedule an appointment if necessary and tell you where to go to seek treatment. ### Well Connection: Telemedicine Video Visits *Receive medical and behavioral health care using your smartphone, tablet, or computer.* **Copayment applies.** Providers are accessible 24 hours a day, 7 days a week, 365 days a year for non-emergency care. --- ## Preventive Care ### Routine Exams *For annual physicals, eye exams for eyeglasses, hearing exams, and GYN exams. One per calendar year.* **$0 copayment.** --- ## Outpatient Care ### Medical and Specialty Office Visits **Copayment applies.** ### Mental Health or Substance Use Treatment **Copayments apply for office visits and telemedicine.** ### Chiropractor Office Visits *Up to 18 visits per calendar year.* **Copayment applies.** ### Physical and Occupational *Up to 100 visits per calendar year.* **Copayment applies.** ### Diagnostic X-Rays and Lab Tests **$0 copayment.** ### CT Scans, MRIs, PET Scans, and Nuclear Cardiac Imaging Tests **Coinsurance applies.** ### Surgery and Related Anesthesia - Office or health center services: **copayment applies.** - Ambulatory surgical facility, hospital outpatient department, or surgical day care unit: **copayment applies.** --- ## Inpatient Care ### General or Chronic Disease Hospital Care **Coinsurance applies after deductible.** ### Mental Health Substance Use Facility Care **Coinsurance applies after deductible.** --- ## Prescriptions ([view cost tiers](/prescriptions "Prescriptions")) *You can fill most prescription drugs in two ways:* ### 1. A Participating Pharmacy Copayment at a participating pharmacy for up to a 30-day supply: - **Tier 1: Most generic drugs - $** - **Tier 2: Preferred brand-name drugs - $$** - **Tier 3: Non-preferred brand-name drugs - $$$** ### 2. Mail Order Through Express Scripts Discounted copayments through Express Scripts mail order for a 90-day supply: - **Tier 1: Most generic drugs - $** - **Tier 2: Preferred brand-name drugs - $$** - **Tier 3: Non-preferred brand-name drugs - $$$** ## POS For out-of-pocket costs, please see your plan summary or benefit description noted above. ## Below is a summary of your plan benefits. View your Benefit Description for more details. ## On this Page - [How the Plan Works](#how-plan-works-non-union-pos) - [Urgent and Emergency Care](#urgent-emergency-care-non-union-pos) - [Preventive Care](#preventive-care-non-union-pos) - [Outpatient Care](#outpatient-care-non-union-pos) - [Inpatient Care](#inpatient-care-non-union-pos) - [Prescriptions](#prescriptions-non-union-pos) --- ## How the Plan Works To receive the highest level of coverage, you must choose a HUGHP primary care provider (PCP) and obtain your health care services and supplies from covered providers who participate in your health plan’s provider network. ### Primary Care Provider You must choose a primary care provider (PCP) for you and each member on the plan from the HUGHP network of participating providers. To find a HUGHP PCP, visit our [**Find a Doctor webpage**](/find-doctor "Find a Doctor") or call Member Services. POS members can select an out-of-network primary care physician but will have higher out-of-pocket costs. Review your Benefit Description for details. ### Service Area The plan’s service area includes all cities and towns in the Commonwealth of Massachusetts. To receive the highest level of benefits, any additional follow-up care must be arranged by your PCP. **Note:** Urgent and emergency services are covered at the in-network level of benefits when outside the service area (see urgent and emergency care for details). ### Deductible *This is the cost you pay out-of-pocket before you can receive coverage for some benefits under this plan.* ### Coinsurance *This is the percentage you may have to pay for a covered service after the deductible is met.* ### Out-of-Pocket Maximum *This is the most that you could pay during a plan year for deductibles, copayments, and coinsurance for covered services.* The out-of-network out-of-pocket maximum does not protect you from balance billing. ### Referrals Most visits with a specialist will require a referral from your primary care provider before your appointment. Otherwise, you will pay all out-of-network costs associated with the appointment. If the specialist you were referred to wants you to see another provider, contact your primary care physician to get a referral for any other visits. POS members have the flexibility to seek care without a referral and to see providers not in the HUGHP network. If you use your out-of-network benefits, your out-of-pocket costs will be higher. **Services that Do Not Require a Referral** - Behavioral Health outpatient office visits - Chiropractor - Emergency medical care - Nutrition counseling - OB/GYN - Ophthalmologist/Optometrist for routine eye exams only (requires a referral for a diagnostic or sick visit) ### Out-of-Network Providers Self-Referred POS members have the option of managing their own health care and receiving health care and services from providers who are not in the Harvard University Group Health Plan network. If you decide to use your out-of-network benefits, your out-of-pocket costs will be higher, and you may also be balance billed for the difference between the actual charges and the Blue Cross Blue Shield of Massachusetts allowed amount for covered services. **Claims Process** If you elect to use your out-of-network benefits, you may have to pay for covered services rendered and file for reimbursement using this [**Blue Cross Blue Shield of Massachusetts claim form**](/file_url/315). Once you have met your deductible, you will be reimbursed for covered services minus your applicable coinsurance. You can view the status of your claim at [**Blue Cross Blue Shield MyBlue**](https://www.bluecrossma.org/myblue/myblue-app). You will need to create a secured login to view the status of your claim. Please note that it can take up to 60 days to process a claim. [**Learn more about the claims process**.](https://www.bluecrossma.org/) --- ## Urgent and Emergency Care ### Emergency Room Services *A suspected heart attack, stroke, poisoning, and loss of consciousness are examples of medical emergencies. Go directly to the nearest medical facility or call 911 (or the local emergency phone number).* **In-Network: copayment applies.** This fee is waived if you’re admitted to the hospital or for an observation stay. **Out-of-Network: copayment applies.** Deductible does not apply. This fee is waived if you’re admitted to the hospital or for an observation stay. ### Urgent Care *A sprained ankle, an earache, and a fever are examples of illnesses and injuries that may require urgent care.* **In-Network: The copayment you are charged will depend on where you are seen.** Contact your primary care physician within 48 hours of receiving urgent care. **Out-of-Network: Same as PCP/plan approved.** ### Well Connection: Telemedicine Video Visits *Receive urgent medical and behavioral health care using your smartphone, tablet, or computer. No referral is needed. Providers are accessible 24 hours a day, 7 days a week, 365 days a year for non-emergency care.* **In-Network: copayment applies.** Must use a network Well Connection provider; your appointments would be covered with the applicable office visit copay. You may be asked to provide your credit card number to pay for your copay, just as you would at a doctor’s office. **Out-of-Network: coinsurance applies.** --- ## Preventive Care ### Routine Exams *For annual physicals, eye exams for eyeglasses, hearing exams, and GYN exams. One per calendar year.* **In-Network: $0 copayment.** **Out-of-Network: coinsurance applies.** --- ## Outpatient Care ### Medical and Specialty Office Visits **In-Network: copayment applies.** **Out-of-Network: coinsurance applies.** ### Mental Health or Substance Use Treatment **In-Network: copayment applies.** **Out-of-Network: coinsurance applies - no deductible.** In addition to your coinsurance, you may be responsible for any balance of charges above the allowed charge. ### Chiropractor Office Visits *Up to 18 visits per calendar year.* **In-Network: copayment applies.** **Out-of-Network: coinsurance applies.** ### Physical and Occupational *Up to 100 visits per calendar year.* **In-Network: copayment applies.** **Out-of-Network: coinsurance applies.** ### Diagnostic X-Rays and Lab Tests **In-Network: $0 copayment.** **Out-of-Network: coinsurance applies.** ### CT Scans, MRIs, PET Scans, and Nuclear Cardiac Imaging Tests **In-Network: coinsurance applies.** **Out-of-Network: coinsurance applies.** ### Surgery and Related Anesthesia - Office or health center services: **In-Network: copayment applies; Out-of-Network: coinsurance applies.** - Ambulatory surgical facility, hospital outpatient department, or surgical day care unit: **In-Network: coinsurance applies after deductible; Out-of-Network: coinsurance applies after deductible.** --- ## Inpatient Care ### General or Chronic Disease Hospital Care **In-Network: coinsurance applies after deductible; Out-of-Network: coinsurance applies.** ### Mental Health Substance Use Facility Care **In-Network: coinsurance applies after deductible; Out-of-Network: coinsurance applies.** --- ## Prescriptions ([view cost tiers](/prescriptions "Prescriptions")) *You can fill most prescription drugs in two ways:* ### 1. A Participating Pharmacy Copayment at a participating pharmacy for up to a 30-day supply: - **Tier 1: Most generic drugs - $** - **Tier 2: Preferred brand-name drugs - $$** - **Tier 3: Non-preferred brand-name drugs - $$$** ### 2. Mail Order Through Express Scripts Discounted copayments through Express Scripts mail order for a 90-day supply: - **Tier 1: Most generic drugs - $** - **Tier 2: Preferred brand-name drugs - $$** - **Tier 3: Non-preferred brand-name drugs - $$$** ## POS Plus For out-of-pocket costs, please see your plan summary or benefit description noted above. ## Below is a summary of your plan benefits. View your Benefit Description for more details. ## On this Page - [How the Plan Works](#how-plan-works-non-union-pos-plus) - [Urgent and Emergency Care](#urgent-emergency-care-non-union-pos-plus) - [Preventive Care](#preventive-care-non-union-pos-plus) - [Outpatient Care](#outpatient-care-non-union-pos-plus) - [Inpatient Care](/non-union#inpatient-care-non-union-pos-plus) - [Prescriptions](#prescriptions-non-union-pos-plus) --- ## How the Plan Works To receive the highest level of coverage, you must choose a HUGHP primary care provider (PCP) and obtain your health care services and supplies from covered providers who participate in your health plan’s provider network. ### Primary Care Provider You must choose a primary care provider (PCP) for you and each member on the plan from the HUGHP network of participating providers. To find a HUGHP PCP, visit our [**Find a Doctor webpage**](/find-doctor "Find a Doctor") or call Member Services at 617-495-2008. POS Plus members can select an out-of-network primary care physician but will have higher out-of-pocket costs. Review your Benefit Description for details. ### Service Area The plan’s service area includes all cities and towns in the Commonwealth of Massachusetts. To receive the highest level of benefits, care must be arranged by your PCP. **Note:** Urgent and emergency services are covered at the in-network level of benefits when outside the service area (see urgent and emergency care for details). ### Deductible *This is the cost you pay out-of-pocket before you can receive coverage for some benefits under this plan.* ### Coinsurance *This is the percentage you may have to pay for a covered service after the deductible is met.* ### Out-of-Pocket Maximum *This is the most that you could pay during a plan year for deductibles, copayments, and coinsurance for covered services.* The out-of-network out-of-pocket maximum does not protect you from balance billing. ### Referrals Most visits with a specialist will require a referral from your primary care provider before your appointment. Otherwise, services will be covered as out-of-network. If the specialist you were referred to wants you to see another provider, contact your primary care physician to get a referral for any other visits. POS Plus members have the flexibility to seek care without a referral and to see providers not in the HUGHP network. If you use your out-of-network benefits, your out-of-pocket costs will be higher. ### Services that Do Not Require a Referral - Behavioral Health outpatient office visits - Chiropractor - Emergency medical care - Nutrition counseling - OB/GYN - Ophthalmologist/Optometrist for routine eye exams only (requires a referral for a diagnostic or sick visit) ### Out-of-Network Providers Self-Referred POS Plus members have the option of managing their own health care and receiving services from providers who are not in the Harvard University Group Health Plan network. Your out-of-pocket costs will be higher when you self-refer and/or see out-of-network providers. Additionally, you may also be balance billed for the difference between the provider’s actual charge and the Blue Cross Blue Shield of Massachusetts allowed amount for covered services. **Claims Process** If you elect to use your out-of-network benefits, you may have to pay for covered services rendered and file for reimbursement using this [**Blue Cross Blue Shield of Massachusetts claim form**](/file_url/315). Once you have met your deductible, you will be reimbursed for covered services minus your applicable coinsurance. You can view the status of your claim at [**Blue Cross Blue Shield MyBlue**](https://www.bluecrossma.org/myblue/myblue-app). You will need to create a secured login to view the status of your claim. Please note that it can take up to 60 days to process a claim. [**Learn more about the claims process**.](https://www.bluecrossma.org/) --- ## Urgent and Emergency Care ### Emergency Room Services *A suspected heart attack, stroke, poisoning, and loss of consciousness are examples of medical emergencies. Go directly to the nearest medical facility or call 911 (or the local emergency phone number).* **In-Network: copayment applies.** This fee is waived if you’re admitted to the hospital or for an observation stay. **Out-of-Network: copayment applies.** Deductible does not apply. This fee is waived if you’re admitted to the hospital or for an observation stay. ### Urgent Care *A sprained ankle, an earache, and a fever are examples of illnesses and injuries that may require urgent care.* **In-Network: copayment applies.** Contact your primary care physician within 48 hours of receiving urgent care. **Out-of-Network: copayment when outside of the service area; otherwise, coinsurance applies.** ### Well Connection: Telemedicine Video Visits *Receive urgent medical and behavioral health care using your smartphone, tablet, or computer. No referral is needed. Providers are accessible 24 hours a day, 7 days a week, 365 days a year for non-emergency care.* **In-Network: copayment applies.** Must use a network provider for the highest level of benefits; your appointments would be covered with applicable office visit copay. You may be asked to provide your credit card number to pay for your copay, just as you would at a doctor’s office. **Out-of-Network: coinsurance applies.** --- ## Preventive Care ### Routine Exams *For annual physicals, eye exams for eyeglasses, hearing exams, and GYN exams. One per calendar year.* **In-Network: $0 copayment.** **Out-of-Network: coinsurance applies.** --- ## Outpatient Care ### Medical and Specialty Office Visits **In-Network: copayment applies.** **Out-of-Network: coinsurance applies.** ### Mental Health or Substance Use Treatment **In-Network: copayment applies.** **Out-of-Network: coinsurance applies - no deductible.** In addition to your coinsurance, you may be responsible for any balance of charges above the allowed charge. ### Chiropractor Office Visits *Up to 18 visits per calendar year.* **In-Network: copayment applies.** **Out-of-Network: coinsurance applies.** ### Physical and Occupational *Up to 100 visits per calendar year.* **In-Network: copayment applies.** **Out-of-Network: coinsurance applies.** ### Diagnostic X-Rays and Lab Tests, Including CT Scans, MRIs, PET Scans, and Nuclear Cardiac Imaging Tests **In-Network: $0 copayment.** **Out-of-Network: coinsurance applies.** ### Surgery and Related Anesthesia - Office or health center services: **In-Network: copayment applies; Out-of-Network: coinsurance applies.** - Ambulatory surgical facility, hospital outpatient department, or surgical day care unit: **In-Network: $0 copayment; Out-of-Network: coinsurance applies.** --- ## Inpatient Care ### General or Chronic Disease Hospital Care **In-Network: $0 copayment; Out-of-Network: coinsurance applies.** ### Mental Health Substance Use Facility Care **In-Network: $0 copayment; Out-of-Network: coinsurance applies.** --- ## Prescriptions ([view cost tiers](/prescriptions "Prescriptions")) *You can fill most prescription drugs in two ways:* ### 1. A Participating Pharmacy Copayment at a participating pharmacy for up to a 30-day supply: - **Tier 1: Most generic drugs - $** - **Tier 2: Preferred brand-name drugs - $$** - **Tier 3: Non-preferred brand-name drugs - $$$** ### 2. Mail Order Through Express Scripts Discounted copayments through Express Scripts mail order for a 90-day supply: - **Tier 1: Most generic drugs - $** - **Tier 2: Preferred brand-name drugs - $$** - **Tier 3: Non-preferred brand-name drugs - $$$**