Explore Our Plans

Coverage for every life stage and circumstance

Everyone has different needs when it comes to health care. That’s why we work hard to create affordable health plan options for our clients and members. We offer Employer and Medicaid plans in Massachusetts and Rhode Island. Massachusetts residents may be eligible for our Medicare Plans. Tufts Health Plan products are also available through the Massachusetts Health Connector.

Employer plans

HMO plans

With an HMO plan, care is coordinated through a primary care physician (PCP). This is a great plan option for employers that want to keep costs lower by keeping care in-network.

PPO plans

A PPO plan allows for members to receive care from any doctor without the need of a referral from a PCP. If the flexibility to see any provider is important, a PPO is the ideal option. 

Advantage HMO and PPO

Advantage plans feature lower premiums 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. Saver plans include the lowest premiums of any of our plan designs.

Tiered plans

Tiered plans provide access to our full provider network, while also providing an opportunity to lower costs. A tiered network is a plan in which providers are grouped into “tiers” based on the value of care they provide, encompassing both cost and quality.

CareLink

Our Carelink plan is a solution for large Masschusetts- and Rhode Island-based employers that have a large population of employees living outside the Tufts Health Plan service area (MA, RI, and NH). Employees can enroll in this national network plan regardless of where they live.

Cigna Out-of-Area PPO

Our Cigna Out-of-Area PPO is a national solution for small and large Massachusetts- and Rhode Island-based employers. Unlike CareLink, only members who live outside the Tufts Health Plan service area may enroll.

Connector plans

Our Direct and Premier plans each have different provider networks, which means some doctors may be in one network and not the other. Before choosing a plan, members need to make sure their PCP, specialist, and/or behavioral health provider is in-network for that plan.

Tufts Health Direct

Our focused-network plan for individuals and small groups. Offering low-cost ConnectorCare plans and federal premium tax credits to those who qualify. Again, before choosing a plan, members need to make sure their provider is in the Direct network.

Tufts Health Premier

Our standard-network plan for individuals and small groups. Offering affordable HMO plans with a variety of benefit options to meet our clients and members' needs. Again, before choosing a plan, members need to make sure their provider is in the Premier network.

2020 Premier Plan Information

Medicaid plans

Tufts Health Together

With Tufts Health Together (our MassHealth plan) members get all the benefits of MassHealth, including visits to doctors and specialists, prescription drugs for kids, eye exams, and eyeglasses

Tufts Health RITogether

With Tufts Health RITogether (our Rhode Island Medicaid plan) members get all the benefits of RIte Care, Rhody Health Partners, and Rhody Health Partners Expansion, plus other benefits, including visits to doctors and specialists, emergency services, and eye care.

Tufts Health Unify

With Tufts Health Unify (our Medicare-Medicaid One Care plan for people ages 21 to 64), members get all the benefits of MassHealth and Medicare, plus other benefits, including a care manager, a personalized care plan, a 24/7 NurseLine, and long-term services and supports.

Medicare plans

Tufts Health Plan Medicare Preferred HMO

Our Tufts Health Plan Medicare Preferred HMO plans are Medicare Advantage plans (Medicare Part C) that offer medical coverage beyond Original Medicare (Medicare Parts A & B).

Tufts Health Plan Senior Care Options

Available to people ages 65 plus who have Medicare and MassHealth Standard (Medicaid) or just MassHealth Standard (Medicaid).

Tufts Medicare Preferred Supplement

Also known as "Medigap" plans. Cover "gaps" in Original Medicare coverage such as deductibles and coinsurance, so members have more predictable costs.

Group plans (employer coverage)

Tufts Health Plan Medicare Preferred Group Plans are offered through employer groups in the form of HMO Medicare Advantage Plans, Supplemental Plans, and Prescription Drug Plans.

Tufts Health Unify

Tufts Health Unify (our Medicare-Medicaid One Care plan for people ages 21 to 64) provides access to a network of providers, a dedicated care manager, and much more.