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
- High premiums
- Lower annual deductible and no pharmacy deductible
- Lower out-of-pocket expenses
Direct Gold 1600
- 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 2000 (Health Savings Account)
- Lower premiums
- Deductible - Non-embedded
- Health Savings Account (HSA)
|
| Direct Bronze |
Direct Bronze 2850
- Lower premiums
- High annual deductible and an integrated pharmacy deductible
- High out-of-pocket expenses
|
| 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
|