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Cost


Tufts Health Direct, our individual and small-group plan, offers several affordable plan levels. Each plan level has a monthly premium (payment), and a specific cost-sharing structure.

  • Your monthly premium is determined by your age, where you live, and the plan level and type of coverage you choose.
  • Cost sharing means that, as a member, you will pay for a portion of your health care costs not covered by Tufts Health Plan. The amount or percentage you pay will depend on the plan level you choose.
  • Some plan levels have an out-of-pocket maximum, meaning a limit on what you will need to pay during a benefit year.


See more cost-sharing terms and definitions.

Compare costs across all plan levels, and choose a level based on your budget and anticipated health services throughout the year.

Find out how much you might pay.
 

Key plan level differences:

 Direct Platinum
  • Highest premiums
  • No annual deductible
  • Lower out-of-pocket expenses
 Direct Gold
Direct Gold 1000
  • High premiums
  • Lower annual deductible and no pharmacy deductible
  • Lower out-of-pocket expenses

Direct Gold 2000
  • High premiums
  • Lower annual deductible and  pharmacy deductible
  • Lower out-of-pocket expenses
 Direct Silver
Direct Silver 2000
  • Moderate premiums
  • Moderate annual medical deductible and an integrated pharmacy deductible
  • Moderate out-of-pocket expenses 

Direct Silver 2500 with Co-insurance
  • Moderate premiums
  • Moderate annual medical deductible and an integrated pharmacy deductible
  • Moderate out-of-pocket expenses with co-insurance
 Direct Bronze
Direct Bronze 2750
  • Lower premiums 
  • High annual deductible and an integrated pharmacy deductible
  • High out-of-pocket expenses

Direct Bronze 3500 with Co-insurance
  • Lower premiums 
  • High annual deductible and an integrated pharmacy deductible
  • High out-of-pocket expenses with co-insurance
Direct Catastrophic
Direct Catastrophic
  • Low premiums
  • Annual medical and pharmacy deductible equal to the annual out-of-pocket maximum
  • High out-of-pocket expenses
  • Services subject to deductible
  • First 3 non-preventive PCP office visits covered before deductible

 


Call us at: 877-322-2443
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