Plans + Benefits

We understand that each one of your clients has unique needs, whether they’re a small local business, a mid-sized firm or a large national employer.

That’s why we provide a full range of flexible plan designs and broad network options to choose from. Working with your clients, you can select the right solution to meet their particular health benefit goals and budget.

At Tufts Health Plan, we offer a better experience for your clients’ employees. For instance, most plans have fourth-quarter deductible carryover that helps members save money when they need services at the start of a new benefit year.1 Or, when emergency room care is needed, all of our plans provide peace of mind so members know they won’t receive surprise medical bills from us after the fact. And, if members have a chronic condition, we have compassionate nurse care managers who can assist them in navigating the health care system so they can get better and be healthier—and happier.

Flexible Plan Designs

HMO plans

Ideal for clients who want to keep costs low by keeping care in-network.

PPO plans

For clients who want to give employees the flexibility to see any provider they choose.

Advantage HMO and PPO

These plans feature lower premiums in exchange for cost-sharing through a deductible, coinsurance and co-payments.

Advantage Saver HMO and PPO

These qualified High-Deductible Health Plans may be paired with a Health Savings Account through one of our preferred institutions.

Tiered Plans

For clients who want to give employees access to our full network, while also giving them a choice to lower costs based on the providers they choose. Help your clients understand why tiered networks are smarter, not smaller.


For large MA- and RI-based employer groups that have a large population of employees who live throughout the country. However, all members can enroll in this national-network plan regardless of where they live – inside or outside the Tufts Health Plan service area.

Cigna Out-of-Area PPO

Our national solution for small and large MA- and RI-based employer groups. Unlike CareLink, only members who live outside the Tufts Health Plan service area can enroll in the Cigna Out-of-Area PPO.

  1. Fourth-quarter deductible carryover applies to non-Saver plans; it does not apply to HSA-compatible Advantage Saver plans.



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