Explore Our Plans
Employer, individual and family plans1
We understand that you have unique needs. At Tufts Health Plan, you get a better experience, period. Most of our plans have a fourth-quarter deductible carryover to help you save money when you need services at the start of a new benefit year.2 Or, when emergency room care is needed, all of our plans provide peace of mind so you know you won’t receive surprise medical bills from us after the fact. And, if you have a chronic condition, we have compassionate nurse care managers who can assist you in navigating the health care system so you can get better and be healthier—and happier.
With an HMO plan, high-quality health care is coordinated through a primary care physician (PCP). An HMO requires some cost-sharing on your part, mainly in the form of a copay.
A PPO plan allows you to receive care from any doctor without the need for a referral from a PCP. This gives you the flexibility to see any provider you choose.
Advantage HMO and PPO
Advantage plans feature lower monthly costs than traditional HMO and PPO plans in exchange for cost-sharing through a deductible, coinsurance, and co-payments.
Advantage Saver HMO and PPO
Advantage Saver plans are qualified High-Deductible Health Plans that may be paired with a Health Savings Account (HSA). Saver plans include the lowest monthly payment of any of our plans.
With a tiered plan, you get access to our full provider network - and the opportunity to lower your costs. A tiered network groups providers into “tiers” based on the value of care they provide, encompassing both cost and quality.
Every doctor and every hospital in the Your Choice network has been carefully evaluated based on many criteria, and meets our standards for quality of care. Depending on your plan, you will get care from providers in a 2-Tier system or a 3-Tier system.
Lifespan Premier Choice³
Lifespan Premier Choice plans help you choose the most efficient providers offering the highest-quality care. In this way, tiered networks support you in being an active, informed health care decision maker.
Our standard-network plan for individuals and small groups, available on the Massachusetts Health Connector. Offering affordable HMO plans with a variety of benefit options to meet our clients and members' needs. Before choosing a plan, members need to make sure their provider is in the Premier network.
2023 Premier Plan Information
Our Carelink plan is a solution for employees working at large Massachusetts- and Rhode Island-based employers that live outside the Tufts Health Plan service area (Massachusetts, Rhode Island, and New Hampshire). You can enroll in this national network plan regardless of where you live.
Cigna Out-of-Area PPO
Our Cigna Out-of-Area PPO is a national solution for employees working at small and large Massachusetts- and Rhode Island-based employers. Unlike CareLink, you can only enroll in this plan if you live outside the Tufts Health Plan service area.