Plan Overview

Tufts Health Plan Navigator is a PPO plan that offers coverage through network doctors, hospitals and other health care providers with a copay.  Or, you may seek care from an out-of-network provider for 80% coverage of reasonable and customary charges The plan encourages  members to select a Primary Care Provider (PCP). Members pay lower office visit copays when they see Tier 1 and Tier 2 specialists.  Contact the plan to see if your provider is in the network and how he/she is rated. 

The plan also tiers hospitals based on quality and/or cost; members pay a lower inpatient hospital copay when they use Tier 1 hospitals.  Contact the plan to see which tier your hospital is in.

The mental health benefits of this plan, administered by Beacon Health Strategies, offer you in-network benefits with a copay.  Or, you may seek care from out-of-network providers, but at higher out-of-pocket costs.

Plan Contact Information

Medical Benefits:
Tufts Health Plan

Mental Health, Substance Abuse and EAP Benefits:
Beacon Health Strategies 1.855.750.8980

Calendar Year Deductible

$250 per individual up to a maximum of $750 per family. 

In-Network Out-Of-Pocket Maximum

Excludes Prescription Drugs

$5,000 per individual; $10,000 per family

In-Network Copays Effective July 1, 2014

Primary Care Provider Office Visit

$20 per visit

Preventive Services

Most covered at 100% - no copay

Specialist Physician Office Visit

Tufts Health Plan  tiers the following Massachusetts specialists based on quality and/or cost efficiency: Cardiologists, Dermatologists, Endocrinologists, Gastroenterologists, General Surgeons, Neurologists, Obstetricians/Gynecologists, Ophthalmologists, Orthopedists, Otolaryngologists (ENTs), Pulmonologists, Rheumatologists, and Urologists.  Contact the plan to see how your provider is rated.
***Tier 1 (excellent):  $25 per visit
**Tier 2 (good):          $35 per visit
*Tier 3 (standard): $45 per visit

Retail Clinic

$20 per visit

Outpatient Mental Health and Substance Abuse Care (See the attached grid Tufts Health Plan Navigator doc format of Beacon_benefit_grid_Tufts_NavigatorFY15.doc
 grid for additional benefit details.)

$20 per visit

Beacon also offers EAP services.

Inpatient Hospital Care - Medical (Maximum one copay per person per calendar year quarter; waived if readmitted within 30 days in the same calendar year)

Tufts Health Plan tiers hospitals, based on quality and/or cost:

Tier 1:   $300 per admission

Tier 2:   $700 per admission

Contact the plan to see which tier your hospital is in.

Outpatient Surgery (Maximum four copays per person per calendar year)

$150 per occurrence

High-Tech Imaging (e.g., MRI, PET and CT scans) (Maximum one copay per day)

$100 per scan

Emergency Room:
$100 per visit (waived if admitted)

Prescription Drug

Retail up to 30-day supply:                    Mail Order up to 90-day supply:
Tier 1:   $10                                        Tier 1:   $20
Tier 2:   $25                                        Tier 2:   $50
Tier 3:   $50                                        Tier 3:   $110

Who is Eligible?

Employees, Retirees, Survivors, and their eligible dependents without Medicare are eligible.  

Where You Live Determines Which Plan You May Enroll In

Tufts Health Plan Navigator is available throughout Massachusetts.

The Plan is also available in the following other state:

Rhode Island

Tufts Health Plan Navigator is available only in certain parts of the following states; contact the plan to see if you live in the service area:

Connecticut, New Hampshire, New York, Vermont


Tufts Health Plan Navigator Handbook FY15 doc format of tufts_navigator_fy15handbook.doc
file size 2MB

This information provided by the Group Insurance Commission .