Behavioral health is a vital part of your overall well-being. Whether you are navigating everyday stress, seeking pediatric care for your children or looking for substance use support, we encourage you to explore the behavioral resources available to you as part of your health plan.
Choosing your plan is an important decision. Download this guide to compare plans side-by-side
This chart shows your bi-weekly contribution amount for medical, dental and vision plans
In our Member Guide, you will find a benefit summary, provider network information, member perks, and more.
An overview of Point32Health 2026 medical plans
This plan offers both in-network and out-of-network coverage. This plan has a deductible – the lowest deductible among the three 2026 offerings. Members are not required to select a PCP or obtain referrals for specialty care. In-network providers and facilities include Harvard Pilgrim’s network in Massachusetts, New Hampshire and Maine, and our national partner’s network, UnitedHealthcare Choice Plus, for the remaining states. Members may see out-of-network providers, providers who do not contract with Harvard Pilgrim or UnitedHealthcare, and pay a higher cost for services covered by the Plan.
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This plan offers both in-network and out-of-network coverage. This plan has a mid-level deductible. Members are not required to select a PCP or obtain referrals for specialty care. In-network providers and facilities include Harvard Pilgrim’s network in Massachusetts, New Hampshire and Maine, and our national partner’s network, UnitedHealthcare Choice Plus, for the remaining states. Members may see out-of-network providers, providers who do not contract with Harvard Pilgrim or UnitedHealthcare, and pay a higher cost for services covered by the Plan.
Deductible costs can be offset with your Health Savings Account (HSA). Point32Health contributes $500 (individual) and $1,000 (family) to this account as your employer. (IRS Restrictions apply for Medicare Part A eligible.)
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Look up a drug
This plan offers both in-network and out-of-network coverage. This plan has a deductible – the highest deductible among the three 2026 offerings – and the lowest premium. Members are not required to select a PCP or obtain referrals for specialty care. In-network providers and facilities include Harvard Pilgrim’s network in Massachusetts, New Hampshire and Maine, and our national partner’s network, UnitedHealthcare Choice Plus, for the remaining states. Members may see out-of-network providers, providers who do not contract with Harvard Pilgrim or UnitedHealthcare, and pay a higher cost for services covered by the Plan.
Deductible costs can be offset with your Health Savings Account (HSA). Point32Health contributes $500 (individual) and $1,000 (family) to this account as your employer. (IRS Restrictions apply for Medicare Part A eligible.)
Find a provider
Find a provider video
Look up a drug
Whether you have a new health concern, need help coordinating your health care needs or have questions, Harvard Pilgrim’s Care Team is here to guide you along your unique health care journey. Best of all, this service is included in your Harvard Pilgrim plan at no additional cost.
Point32Health offers two dental plans – Standard and High administered by Delta Dental of Massachusetts. The plans combine two of Delta’s national networks, the Delta Premier Network and the Delta Preferred Network.
To determine which plan is right for you (and your covered dependents), review the summary which provides a side-by-side comparison including the calendar year maximum per member, deductible and coverage information.
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Orthodontia
For more information about the dental plan, visit the Delta Dental website.
A Delta Dental benefit feature that lets you roll over part of your unused spending in one year to increase your benefits for the following year, and beyond.
The EyeMed Vision Care plan is a voluntary benefit that offers employees coverage and discounts for annual eye exam, lenses, frames, contacts, and Lasik surgery. This benefit is available to eligible employees and is separate from discounts that may be offered through the medical plans. View EyeMed’s Insight Network at EyeMed.com and follow the “Find an Eye Doctor” link.
Review coverage and discounts in the EyeMed Vision Care Plan (Group #1034377)
Ovia Health is an individual and family health and wellness program designed to guide a member through some of life’s biggest transitions: planning and starting a family, navigating pregnancy, balancing life as a working parent, and managing menopause.
Taking a class or course is a great way to build your confidence and prepare for childbirth and early parenthood.
Use the confidential HYKE Online Decision Support Tool to help you select the best plan for you and your family.
Email SmartStart at [email protected] to ask questions regarding your medical or pharmacy benefits.
Call SmartStart at 866-874-0817 to discuss your unique complex medical or pharmacy concerns with clinical experts.
A health care flexible spending account is a tax-advantaged account that allows you to set aside a portion of your earnings to pay for qualified expenses with pre-tax payroll deductions:
Medical FSA handout
Grace period handout
Manage your Wex account
Eligible Expenses | Benefits | WEX Inc. (Filter by Plan = Medical FSA)
What is an FSA Health & DCA
2026 Point32Health Annual Limits
A Limited Purpose flexible spending account is a tax-advantaged account that allows you to set aside a portion of your earnings to pay for qualified expenses with pre-tax payroll deductions:
Medical FSA Handout
Grace Period Handout
Manage your Wex account
What is an FSA Health & DCA
2026 Point32Health Annual Limits