Can I use my Harvard Pilgrim insurance out-of-network?

Yes, Harvard Pilgrim members have the flexibility to receive healthcare services from providers who are not in their network. However, it is important to note that coverage for out-of-network services may differ from in-network coverage and could result in higher out-of-pocket costs. Some plans may require prior authorization or have limitations on out-of-network coverage, so it is recommended to review the specific plan details. Harvard Pilgrim offers resources to help members find out-of-network providers and estimate costs. Additionally, members may have access to out-of-network coverage for emergency services and certain specialized care that is not available within the network.