Health Plans

The University recognizes that employees have different needs. Therefore, eligible employees may choose among several plans.

The University offers health coverage under two health plan designs:

Exclusive Provider Organizations (HMO/EPO)
Health benefits under this type of plan design provide coverage for preventive care and authorized medical treatment.? You will be responsible for co-payments for visits and prescription drugs. You must use a participating physician to receive benefits under this plan design.

Point-of-Service Option (POS)
Health benefits under this type of plan design provide coverage for most preventive and authorized as well as unauthorized medical treatment, (based on how you access care).?A POS plan functions as an EPO/HMO for In-Network benefits, plus has an Out-of-Network coverage that is subject to a deductible and co-insurance. This plan design allows you the freedom to see any physician you choose.?At the time you need care, you choose whether to access benefits through a participating or non-participating physician.

Tufts Benefits Health Plans Vendor Decription of Benefits