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CareLink Plans

CareLink, offered by Tufts Health Plan and CIGNA, offers employers with locations in multiple states comprehensive coverage for all employees. The plan offers flexibility and easy administration. 


The CareLink plan features: 

  • Emergency and urgent care coverage 24 hours a day, seven days a week, anywhere in the world. 
  • A national provider network that includes more than 977,000 practitioners and 6,300 facilities. 
  • Wellness and disease-management programs to help keep members healthy while controlling costs. 
  • Discounts on fitness club memberships, acupuncture, massage, and more. 

Outpatient Services 

In-network care 
  • Copayment only (preventive services are covered in full) 
Out-of-network care 
  • Covered services subject to deductible and coinsurance 

Inpatient Services 

In-network care 
  • Most services covered at 100% 
Out-of-network care 
  • Covered services subject to deductible and coinsurance 

How the Plan Works

Members are not required to select a primary care provider (PCP), though we encourage them to have care coordinated by a provider of their choice. The CareLink plan allows members to choose any physician they wish to receive covered services. A member simply presents his or her ID card at each office visit and pays the applicable copayment. Deductible and coinsurance may also apply.

For in-network services, members are covered at a higher level than for out-of-network services. Employers can establish the copayment, deductible, and coinsurance levels at the time the group is enrolled.


Pharmacy Coverage

If your plan includes the optional pharmacy benefit, members will pay a copayment for each prescription, according to our three-tier pharmacy copayment program:
  • Tier 1: Lowest copayment; includes most generic drugs
  • Tier 2: Middle copayment; includes many brand-name drugs 
  • Tier 3: Highest copayment; includes the most costly covered brand-name drugs not included in other tiers.

Superior Customer Service

A dedicated Member Services Department for CareLink members 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.

Note: This a summary of the plan features. Please refer to the benefit document for a detailed explanation of coverage. If there is a difference between the information in this document and the benefit document, the terms of the benefit document will govern.

For more information, contact your sales office:
Watertown 800-208-8013 | Worcester 800-208-9545 | Providence 800-455-2012
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