Tufts Health Plan: Providing Medical Insurance Needs of Different Individuals
No two individuals are exactly alike. Every one has their own lifestyle, own lives to take care of, own income, own families, and dreams.
And it is also true that no two individuals have exactly the same medical needs.
As for Tufts Health Plan, that is what their service is all about.
Tufts Health Plan is one of the medical insurance providers in the United States that offers a wide range of distinct medical insurance plan options to their clients. Each option provides a different level of medical coverage and benefits according to the needs of their clients.
Let’s review what Tufts Health Plan offers to individuals with varying medical needs. Here are some of their medical insurance plans along with an overview of each works.
HMO (Health Maintenance Organization). Being a member of Tufts Health Plan’s HMO, you are entitled to access to one of the biggest network of physicians and medical facilities around the country. This privilege enables you to make your initial medical care decision of selecting a primary care physician (PCP). It will serve as your guide to your medical insurance policy with Tufts Health Plan by providing you referrals and paying a co-payment for every medical service you use under the medical insurance policy.
Advantage HMO. The Tufts Health Plan Advantage HMO is referred to as a front-end deductible HMO which offers greater medical coverage at competitive prices. It works just like the traditional HMO, with several key differences such as the following:
- Its front-end deductible feature is applicable to in-patient medical care facilities, outpatient diagnosis, and other medical services. After you have satisfied the deductibles of your medical insurance policy, it will fully cover the specified medical services stated on the policy.
- Laboratory work and testing (whether routine or preventive) is covered 100 percent without deductibles or co-payments.
- Specialist consultations (routine) are covered with a co-payment for every visit.
- Emergency room care is covered with just a co-payment and no applicable deductibles.
POS (Point of Service). It is one of the most flexible medical insurance policies of Tufts Health Plan. You will be given access to their extensive network of physicians and medical facilities, plus the privilege of going directly to a preferred specialist without referral for covered medical services. Once your PCP authorized the medical care, all you need to pay is a co-payment for the covered medical services.
PPO (Preferred Provider Organization). Once you are a PPO member, you decide on the level of medical coverage you want as well as the physicians you want to see. No limitations, no PCP. You are in charge. Your employer will set the co-payment limits and no deductibles are applicable for this policy.
Advantage PPO. Once you are enrolled in Tufts Health Plan Advantage PPO medical insurance policy, you are not limited to a single network. You are entitled to a higher level of medical benefits once you select them or when said level is provided in their network. However, you are also given the freedom to use medical services from any licensed doctors, medical facilities, and specialists.
These are just some of the medical insurance policies provided by Tufts Health Plan. There are just plans that are meant for your varying medical needs. Include Tufts Health Plan in your priority options and see the difference it can make to your life.
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