Benefits Enrollment Guide

Health Plan Comparison Charts

Delta Dental Plan summary
2009

Feel secure with the medical and dental benefits @ Harvard

Quality and affordability are the hallmarks of Harvard’s medical and dental plans. The University offers comprehensive health and dental coverage, with health plan options from top-rated provider Harvard Pilgrim Health Care and the University’s own Harvard University Group Health Plan. Employees may choose from:

• Two health maintenance organization (HMO) plans
• Two point-of-service (POS) plans
• One preferred provider organization (PPO) plan for out-of-state employees

Delta Dental provides Harvard’s dental care program, offering both in-network and out-of-network coverage. More than 96 percent of Massachusetts dentists participate in the plan, which provides full coverage for preventive care and substantial coverage for a wide range of other dental services.

Harvard’s health plans are competitively priced, but Harvard goes a step further with its unique Medical Copayment Reimbursement Program. Under Harvard’s medical plans, copayments for in-network office visits that exceed an annual threshold (for many, as little as $135) may qualify for non-taxable reimbursement, with no ceiling on how much may be reimbursed. It’s one more way Harvard tries to minimize the financial impact of illness or even routine medical care on employees.

Please remember – this site has been designed to acquaint you with the general features of the Harvard University benefit plans. Every attempt has been made to summarize these programs accurately. In all cases, the actual provisions of each benefit plan will govern if there is any inconsistency between this site and Harvard's formal plans or contracts.