Basic PPO Health Insurance Plans
How a PPO Plan Works
Not all health plans work the same way. This website will explain how the Tufts Health Plan PPO plan works, so be sure to read through it carefully to understand your plan.
The PPO plan has several variations. Your plan may be called Basic PPO, Value PPO, Choice Copay PPO, Value Choice PPO, Premium PPO or Select PPO.
We suggest that after you read through this website, you visit mytuftshealthplan.com, our secure members-only site, to learn the details of the specific plan your employer has chosen for you. And be sure to read your Benefit Document, available at mytuftshealthplan.com, to see a complete list of your specific plan’s covered and non-covered benefits.
Knowledge is power, and knowing how your plan works will give you the power to plan for and control your out-of-pocket costs.
The overall idea behind the PPO plan is to enable employers to offer high-quality health care to their valuable employees (you). The PPO plan helps accomplish this by incorporating a fee structure that requires some cost-sharing on your part.
This cost-sharing is primarily in the form of two components: the deductible and the copay.
The deductible for your specific plan can vary. The amount is chosen by your employer, based on how much the entire plan costs them. We work closely with your employer to provide the best possible plan at the best possible cost for both employer and employee.
Here’s an example of how the deductible works. Let’s say your plan has a $1000 family deductible and a $500 individual deductible. You’re working in the yard, you have an accident, and you have to make a trip to the emergency room. Your maximum responsibility as an individual would be $500, not the entire $1000. Let’s say you have another accident in the same plan year. Your individual deductible of $500 has already been met, so you’re not responsible for any deductible amount.
Now let’s say your spouse needs surgery. Your family is now responsible for the remaining $500 deductible, since it’s a different individual. But now your total amount paid toward your $1000 deductible has been met. The next time anyone in your family needs medical services that are subject to the deductible, you don’t have to worry about the deductible. The deductible for the plan year has been met.
Services Not Subject to Deductible
Services Subject to Deductible
Regardless of the status of your deductible, there are some services that may also require a copay. A copay is a fee that you pay as partial payment for certain services. For instance, a visit to the doctor’s office often requires a copay. That means you pay, for example, $20 out-of-pocket as your copay.
Whether or not your deductible has been met, if a copay is required for the type of medical service you want, you are responsible for the copay. Again, the best way to control out-of-pocket costs is to read this Member Kit so you understand what you are and what you are not responsible for.
And you can always find out exactly what your specific plan covers by reading your Benefit Document or accessing your secure member account at mytuftshealthplan.com.
There’s one more component of the Tufts Health Plan PPO plan’s fee structure that bears mentioning. It’s called coinsurance, and it applies primarily to durable medical equipment (such as a wheelchair or crutches), hearing aids, low-protein foods and prosthetics. If you require any of those items, you would share a percentage of the cost.
In some cases, coinsurance may also apply to other items. You can find the specifics of your plan, including the exact amount of your coinsurance, by reading your Benefit Document or by visiting mytuftshealthplan.com.