by Russell Noga | Updated October 2, 2024
Medicare Parts A & B offer 80% coverage for medical and hospital services, leaving beneficiaries to pay the remaining 20% out-of-pocket costs. A Medicare supplement plan accounts for the balance of your healthcare expenses, giving you partial or full coverage for the out-of-pocket costs, depending on your plan.
Tufts is one of Massachusetts’s leading private healthcare insurers offering Medicare supplement plans. This state standardizes Medigap plans differently, offering three plans instead of the letter system.
Tufts Medicare Supplement Plans at a Glance
- Tufts offers Medicare supplement insurance for residents of Massachusetts. Massachusetts standardizes Medicare supplement plans differently from other states, with three plans available.
- Tufts is one of Massachusetts’s leading Medicare supplement providers, with an A rating with the Better Business Bureau and an excellent customer service reputation.
- The company offers add-on dental plans for Medicare supplement policyholders.
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Who Is Tufts?
Dr. Morton Madoff founded an HMO health plan for Tufts University Medical School in 1979, creating the foundations of Tufts Health Plan. The Plan added the option for POS format, paving the way for other organizations to do the same, although most of today’s models are HMO plans.
Tufts grew its client base, extending its reach into Hampshire in 1995, and moved into Rhode Island and Connecticut. Today, the company has headquarters in Watertown, Massachusetts, serving 1 million members.
What Medicare Supplement Plans Does Tufts Offer?
Tufts serves the Massachusetts market with Medigap plans. This state has a federal waiver allowing it to standardize Medigap plans differently from other states, where a letter model describes them. Tufts offers three Medigap plans.
- MA Medicare Supplement Core.
- MA Medicare Supplement 1.
- MA Medicare Supplement 1A.
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Tufts Medicare Supplement Plans – Benefits & Coverage
MA Medicare Supplement Core
The Core plan has the most basic benefits of the three plans available from Tufts in Massachusetts. It is similar in structure to Medigap Plan A, offering Medicare Part A benefits and coinsurance for Medicare Part B services. Beneficiaries also get an additional 60 days of inpatient mental healthcare and a few mandated tests in Massachusetts.
- Medicare Part A coinsurance for hospital care.
- The Core plan pays $400 daily for days 61-90 of each benefit period and $800 for days 91-150 in 2023.
- After exhausting the Original Medicare benefit, the plan also covers the cost of an additional 365 days of inpatient hospital care.
- Medicare Part A coinsurance or copayment for hospice care.
- Coverage for the first three pints of blood in transfusions under Medicare Part A.
- Medicare Part B coinsurance.
- Coverage for 60 days in an inpatient mental health facility and the 190 days covered under Medicare Part A.
MA Medicare Supplement 1
Supplement Plan 1 from Tufts, offers beneficiaries a higher level of coverage than the Core plan. It’s similar to Medigap Plans C & F and includes coverage for the Medicare Part B deductible of $226 in 2023. However, like Medigap Plans C & F, seniors eligible for Supplement Plan 1 after January 1, 2020, don’t qualify for the plan. Supplement Plan 1 offers the following benefits.
Medicare Part A inpatient hospital deductible for days 1-60 of each benefit period, up to $1,600 in 2023.- Medicare Part A skilled nursing facility coinsurance.
- Supplement 1 covers $200 daily for days 21-100 in 2023.
- Medicare Part B deductible ($226 in 2023).
- Coverage for medical emergencies in the first 60 days when beneficiaries travel overseas.
- Cover age for 120 days in an inpatient mental health facility and the 190 days covered under Medicare Part A.
- State-mandated healthcare benefits such as annual mammograms and pap tests.
MA Medicare Supplement 1A
Supplement 1A is similar to Medigap Plan G. The only thing it doesn’t cover that Supplement Plan 1 does is the Medicare Part B deductible. You get the following benefits with this plan.
Medicare Part A inpatient hospital deductible for days 1-60 of each benefit period, up to $1,600 in 2023.- Medicare Part A skilled nursing facility coinsurance.
- Supplement 1 covers $200 daily for days 21-100 in 2023.
- Coverage for medical emergencies in the first 60 days when beneficiaries travel overseas.
- Cover age for 120 days in an inpatient mental health facility and the 190 days covered under Medicare Part A.
- State-mandated healthcare benefits such as annual mammograms and pap tests.
What Tufts Medicare Supplement Plans Don't Cover
Like the lettered Medigap plans available in other states, Tufts Medicare supplement plans don’t offer coverage for healthcare expenses not covered by Original Medicare Parts A & B.
You don’t have coverage for preventative treatments like physiotherapy and chiropractic, and there’s no coverage for prescriptions, private-duty nursing, and stays at unskilled nursing facilities. The plans also don’t offer vision, dental, or hearing services coverage.
Tufts Medicare Supplement Plans – Premiums
Tufts bases your monthly premiums on your risk profile. They use your age, gender, and smoking status to determine your risk to their Medicare scheme.
If you register for a plan in the Open Enrollment period in the six months after your 65th birthday, you get automatic acceptance to the plan of your choice. You also won’t have to undergo a medical underwriting. The provider must accept your application, even if you have pre-existing health conditions.
Here is the average pricing for Tufts Medicare supplement plans, based on rates for a 65-year-old female nonsmoker.
Tufts Medicare Supplement Plans – Additional Benefits
Tufts has an A rating with the Better Business Bureau (BBB) and a rating of 5.0 with the National Committee for Quality Assurance. Glassdoor gives Tufts a rating of 3.9/ 5 based on 445 employee reviews.
Tufts Medicare Supplement Plans – Third-Party Ratings & Reviews
Transamerica has a financial strength rating of A with AM Best. The company also has a B rating with the Better Business Bureau and a Consumer Affairs rating of 3.8 stars.
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Frequently Asked Questions
Which Medicare Supplement plans are offered by Tufts?
Tufts offers a range of Medicare Supplement plans, including Plan G, Plan N, and other standardized plans. These plans are designed to provide additional coverage to fill the gaps left by Original Medicare.
Who is eligible to enroll in Tufts Medicare Supplement plans?
To be eligible for Tufts Medicare Supplement plans, individuals must be enrolled in Medicare Part A and Part B. Enrollment is typically open to people who are 65 years or older, or those under 65 with certain disabilities.
What are the key features of Tufts Medicare Supplement Plan G?
Tufts Medicare Supplement Plan G offers comprehensive coverage, including coverage for Medicare Part A and B coinsurance, Part A deductible, Part B excess charges, and skilled nursing facility coinsurance.
What are the key features of Tufts Medicare Supplement Plan N?
Tufts Medicare Supplement Plan N provides coverage for Medicare Part A and B coinsurance, Part A deductible, and skilled nursing facility coinsurance. However, it does have some cost-sharing, such as copayments for certain services.
What is the difference between Tufts Medicare Supplement Plan G and Plan N?
The main difference between Tufts Medicare Supplement Plan G and Plan N is that Plan G offers more comprehensive coverage, including coverage for Part B excess charges, while Plan N has cost-sharing in the form of copayments for certain services.
What coverage and benefits do Tufts Medicare Supplement plans offer?
Tufts Medicare Supplement plans typically offer coverage for Medicare Part A and B coinsurance, hospital costs, and may include coverage for additional services such as skilled nursing facility care, foreign travel emergencies, and more. The specific coverage details may vary based on the plan.
Are there any additional benefits or perks offered by Tufts Medicare Supplement plans?
While specific benefits and perks may vary, some Tufts Medicare Supplement plans may offer additional benefits such as coverage for prescription drugs, vision and dental care, fitness programs, and telehealth services. It’s important to review the details of each plan to understand the specific benefits included.
How can I enroll in Tufts Medicare Supplement plans?
To enroll in Tufts Medicare Supplement plans, you can contact Tufts directly or work with licensed insurance agents who represent Tufts. These agents can guide you through the enrollment process and help you compare plans.
What factors should I consider when comparing Tufts Medicare Supplement plans?
When comparing Tufts Medicare Supplement plans, consider factors such as the specific coverage offered, premium rates, company reputation, customer service quality, financial stability, and any additional benefits or perks that align with your healthcare needs.
Where can I get more information about Tufts Medicare Supplement plans?
To get more information about Tufts Medicare Supplement plans, you can visit Tufts’ official website or contact them directly. Additionally, you can consult with licensed insurance agents who represent Tufts to get personalized guidance and assistance in understanding the plan options.
Call Us for More Information on Tufts Medicare Supplement Plans
For more details on Tufts’ Medigap offering, call us at 1-888-891-0229. Our team of fully licensed Medigap agents offers a free consultation and quote on any Medigap plan from any provider. We’ll enroll you in a plan that suits your healthcare requirements and budget.
If you can’t call us right now, leave your contact details on our form, and we’ll get a consultant to connect with you. Or you can get a free quote using the automated tool on our site.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.