Advantage HMO Saver Plans
Advantage Saver is part of our Advantage suite of deductible HMO and PPO products. The plan design complies with federal regulations for Health Savings Account (HSA)1 compatible high deductible health plans, including:
Medical and pharmacy expenses track to single deductible
- Preventive care is exempt from the deductible
With Advantage Saver, you have the option of adding on an HSA through the bank of yourchoice, giving employees an interest-earning, tax-free fund for health care expenses.
A network of more than 29,000 physicians and 91 hospitals.
The deductible is waived for certain preventive services, including routine office visits, routine/preventive screenings and immunizations, and well-child care. These services are covered with no cost sharing required.
For all other covered services, the deductible is required. Once the deductible (and copays and coinsurance, if applicable, up to the plan’s out-of-pocket maximum) has been satisfied, eligible services are covered at 100%.
For Advantage PPO Saver, out-of-network coverage is available, subject to both deductible and coinsurance.
Health Savings Account Options
One of the most valuable features of Advantage Saver is that you have the option to add a Health Savings Account (HSA). Employees can use an HSA to pay for qualified expenses (as defined by IRS Publication 502, Section 213(d)) incurred by the employee and his/her eligible dependents. You may use the bank of your choice to add an HSA.
In general, the HSA can be used for:
Expenses applied to the health plan deductible
Dental care services
Vision care services
Over-the-counter medications prescribed by a doctor
Certain medical equipment
1The HSA is only available with the Advantage Saver plans—it is incompatible with other plans offered by Tufts Health Plan.
Superior Customer Service
Our Member Services department offers your employees a staff of highly trained professionals. One phone call is all it takes to reach our Member Specialists. They are available to answer members’ questions about the plan and their benefits. We also offer language-translation services and TTY capabilities as needed.
For more information, contact your sales office:Watertown 800-208-8013 | Worcester 800-208-9545 | Providence 800-455-2012