What is the cost-sharing structure of Harvard Pilgrim plans?

The cost-sharing structure of Harvard Pilgrim plans varies depending on the specific plan chosen by the member. Generally, Harvard Pilgrim offers a range of plans with different levels of cost-sharing, including copayments, deductibles, and coinsurance. Copayments are a fixed amount paid by the member for certain services, while deductibles are the amount the member must pay out-of-pocket before the plan starts covering costs. Coinsurance refers to the percentage of costs that the member is responsible for after meeting the deductible. Members can review the summary of benefits for each plan to understand the specific cost-sharing details. Additionally, Harvard Pilgrim provides tools, such as cost estimators, to help members estimate their out-of-pocket expenses and make informed decisions about their healthcare choices.