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2026 Tufts Medicare Preferred
HMO Value Rx

HMO

$0 Medical Deductible
Prescription Drug Coverage Included

$150 Annual Wellness Allowance
$150 Annual Eyewear Benefit with EyeMed Provider

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Per Month

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Medical Deductible

$10 per visit

Primary Care Provider (PCP)

$25 per visit

Specialist Copay

Dental Option

Tier 1 Drug Costs

Deductible

Preferred Retail Pharmacy

30 Day Supply: $0

90 Day Supply: $0

Non-preferred Retail Pharmacy

30 Day Supply: $14

90 Day Supply: $42

Tier 2 Drug Costs

Deductible

Preferred Retail Pharmacy

30 Day Supply: $4

90 Day Supply: $12

Non-preferred Retail Pharmacy

30 Day Supply: $19

90 Day Supply: $57

Tier 3 Drug Costs

Deductible

Preferred Retail Pharmacy

30 Day Supply: 20% of cost

90 Day Supply: 20% of cost

Non-preferred Retail Pharmacy

30 Day Supply: 20% of cost

90 Day Supply: 20% of cost

Tier 4 Drug Costs

Deductible

Preferred Retail Pharmacy

30 Day Supply: 40% of cost

90 Day Supply: 40% of cost

Non-preferred Retail Pharmacy

30 Day Supply: 40% of cost

90 Day Supply: 40% of cost

Tier 5 Drug Costs

Deductible

Preferred Retail Pharmacy

30 Day Supply: 33% of cost

90 Day Supply: N/A

Non-preferred Retail Pharmacy

30 Day Supply: 33% of cost

90 Day Supply: N/A

Tier 6 Drug Costs

Deductible

Preferred Retail Pharmacy

30 Day Supply: $0

90 Day Supply: N/A

Non-preferred Retail Pharmacy

30 Day Supply: $0

90 Day Supply: N/A

Catastrophic Coverage Stage

Once you've spent $2,100 in out-of-pocket prescription costs you are in the Catastrophic Coverage Stage. If you reach the Catastrophic Coverage Stage, you pay nothing for covered Part D drugs and for excluded drugs that are covered under our enhanced benefit.

Covered Insulin Drugs

Part B: $0. Prior Authorization may be required.

Part D: Your copay for covered insulin will not exceed $35 or 25% of the total cost per 30-day supply regardless of the drug tier. Your actual copay may be lower depending on the drug tier and total cost of the insulin drug. Please refer to your Evidence of Coverage for more details.

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Out-of-Pocket Maximum

Your Annual Out-of-Pocket Maximum is $3,850. This is the most you will pay in a plan year for covered medical expenses.

Annual Physical Visit

Your Annual Physical visit will cost you $0. You are covered for one Annual Physical each plan year.

Annual Wellness Visit

Your Wellness Visit will cost you $0. You are covered for one Wellness Visit each plan year.

Primary Care Provider (PCP)

$10 per Primary Care Physician (PCP) visit.

Specialist Copay

$25 per Specialist visit. Referral from your Primary Care Provider (PCP) may be required.

Routine Vision Exam

Your Annual Routine Vision exam will cost $15. You are covered for one Annual Routine Vision exam each plan year.

Routine Hearing Exam

Your Annual Routine Hearing Exam will cost $0. You are covered for one Annual Routine Hearing Exam each plan year.

Laboratory Services

$0 per day for Lab Services, including certain blood, urinalysis and tissue tests. Prior Authorization may be required.

X-Rays

$10 per day. Copay will not apply in addition to office visit or urgent care copay. Prior Authorization may be required.

Diagnostic Procedures

$10 per day. Copay will not apply in addition to office visit or urgent care co-pay. Prior Authorization may be required.

Diagnostic Radiology Services

$100 per day. These services generally include computed tomography (CT) magnetic resonance imaging (MRI) and ultrasound. Prior Authorization may be required.

Outpatient Surgery

Colonoscopies: $0; All other outpatient surgeries: $150 per day - for Outpatient Services, medical procedures or tests administered at a medical facility that don't require an overnight stay. Prior Authorization may be required.

Physical, Occupational, and Speech Therapy

$20 per visit. Physical Therapy often helps in recovering from surgery or injury and can help manage long-term health issues like arthritis. Occupational Therapy helps develop, recover, and improve the skills needed for daily living and working after an injury or disability. Speech Therapy generally helps manage speech, language, communication and swallowing disorders. Referral from your Primary Care Provider (PCP) may be required. Prior authorization may be required.

Outpatient Observation Services

$150 per stay. Copay is waived if admitted inpatient within 1 day for the same condition. Prior authorization may be required.

Cardiovascular Screening

$0 per visit. These screenings and tests help detect conditions that can lead to a heart attack or stroke.

Cancer Screening (Colorectal, Prostate, Breast)

$0 per visit. These screenings are aimed at detecting cancer before symptoms appear, when treatment is more effective.

Urgent Care

$30 per visit. Urgently needed services are provided to treat a non-emergency, unforeseen medical illness, injury, or condition that requires immediate medical care but, given your circumstances, it is not possible, or it is unreasonable, to obtain services from network providers. Urgent care copayment is NOT waived if admitted inpatient within 1 day.

Emergency Room Visits

Emergency Room visits cost $125 per visit worldwide, and there is no limit to the number of visits in a plan year. Copay is waived if admitted to observation or inpatient within 1 day for the same condition, and applicable observation or inpatient copay will apply.

Inpatient Hospital Coverage

You will pay $200 per day for days 1-5. After day 5 you will pay $0 per day. Prior Authorization may be required.

Ambulance Rides and Services

$225 per one-way trip for medically necessary Ambulance Services. Prior authorization may be required for non-emergency transportation. Includes worldwide emergency transportation coverage.

Acupuncture

$20 per visit. Covers up to 12 visits in 90 days for members with chronic lower back pain. 8 additional visits covered for those demonstrating an improvement. No more than 20 visits administered annually. Referral may be required from your PCP. Additional acupuncture services are eligible for reimbursement under your Wellness Allowance.

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Dental Benefits

Preventive, Restorative, and Comprehensive Dental Services

Included with Plan: preventive services covered at $0 copay and restorative services covered at 50% of total cost; comprehensive services not covered.

With Dental Option Added: for additional monthly premium of $38.00, preventive services covered at $0 copay; restorative services covered at 20% of total cost; comprehensive services covered at 50% of total cost.

Complete details available in Evidence of Coverage.

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Calendar Year Maximum

Included with Plan: $1,000 per calendar year

With Dental Option Added: $1,000 per calendar year

Individual Annual Deductible

Included with Plan: $0

With Dental Option Added: $0

Periodic Oral Evaluation

Included with Plan: $0. Covers two per year.

With Dental Option Added: $0. Covers two per year.

Comprehensive Oral Exam

Included with Plan: $0. Covers one every 36 months.

With Dental Option Added: $0. Covers one every 36 months.

Intra Oral Bitewing X-ray (X-rays of Crowns of Teeth)

Included with Plan: $0. Covers two per year.

With Dental Option Added: $0. Covers two per year.

Intra Oral X-ray - Entire Mouth (Panoramic & Full Mouth)

Included with Plan: 50% of total cost. Includes panoramic or full mouth series. Covers one every 60 months.

With Dental Option Added: 20% of total cost. Includes panoramic or full mouth series. Covers one every 60 months.

Single Tooth X-ray Images

Included with Plan: 50% of total cost. Covered as needed.

With Dental Option Added: 20% of total cost. Covered as needed.

Silver Fillings and White Fillings

Included with Plan: 50% of total cost. Covers one every 24 months per surface, per tooth.

With Dental Option Added: 20% of total cost. Covers one every 24 months per surface, per tooth.

Periodontal Cleaning

Included with Plan: 50% of total cost. Covers one every 6 months following active periodontal therapy; not to be combined with regular cleanings.

With Dental Option Added: 20% of total cost. Covers one every 6 months following active periodontal therapy; not to be combined with regular cleanings.

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Telehealth

Medicare-covered services plus additional telehealth services. $0 copay for e-visits, virtual visits, and remote patient monitoring with your Primary Care Provider (PCP) or Specialist; For all other telehealth visits, copay and other requirements are the same as the corresponding in-person visit.

Hearing Aid Benefit

You are eligible for up to 2 covered hearing aids per year, 1 aid per ear. To be covered, the hearing aids must be on the TruHearing, Inc. formulary and must be purchased through TruHearing, Inc.: $250 copay for Standard level hearing aid; $475 copay for Superior level hearing aid; $650 copay for Advanced level hearing aid; $850 copay for Advanced Plus level hearing aid; $1,150 copay for Premier level hearing aid

Eyewear Benefit

Up to $150 per year applied directly at a participating EyeMed provider or up to $90 reimbursement per year when purchased at a non-participating provider. The annual allowance may be used to purchase upgrades for Medicare-covered and/or therapeutic eyewear as well as routine/corrective eyewear. Note: Only one purchase is allowed per calendar year up to the benefit amount; any unused amount after the single purchase will expire and cannot be applied toward another purchase during the calendar year.

Weight Management Programs

$150 reimbursement per year for fees related to weight management programs like WeightWatchers and hospital-based programs.

Wellness Allowance

Choose how to stay fit with up to a $150 reimbursement for fees you pay toward joining a health club, fitness class (such as aerobics, Pilates, Tai Chi, or yoga), nutritional counseling sessions and other wellness programs like memory fitness activities. Also included are alternative therapies, massage therapy, fitness tracking devices (one per year), and heart rate monitors.

Enter your zip code to see the plan benefits.

This is a Medicare Advantage plan, also known as Medicare Part C. It provides you with all of your Medicare Part A and B benefits, as well as additional coverage not included in Parts A and B. By paying a monthly premium, you gain consistent co-payments and deductibles and a yearly out-of-pocket spending maximum. Medicare Part D prescription drug coverage is also included as a part of this plan.

You must continue to pay your Medicare Part B premium. If you receive Social Security, Railroad Retirement Board (RRB) benefits, or Civil Service benefits, your Medicare Part B (Medical Insurance) premium is already automatically deducted from your benefit payment.

An HMO plan requires you to choose a Primary Care Physician (PCP) who provides all of your routine treatment for common ailments and illnesses, while also coordinating your overall care. In most cases your PCP will work with a Referral Circle to coordinate your care. A Referral Circle is a network of specialists your PCP has selected to work with due to their expertise in their respective fields. This means that in most cases, you will not have access to the entire Tufts Medicare Preferred HMO network, except in emergency or urgent care situations, or for out-of-area renal dialysis. When your PCP can’t treat a specific illness or condition he or she will refer you to a specialist within this referral circle who can. Your specialists will communicate with your PCP to ensure you receive the right care at the right time.

Rx is an abbreviation for a drug prescription. Plans with "Rx" in their names include prescription drug coverage, plans with "No Rx" in their names do not.

The service area for this plan are: Barnstable, Bristol, Essex, Middlesex, Norfolk, Plymouth, Suffolk, Hampden, Worcester, or Hampshire Counties.

2026 Tufts Medicare Preferred
HMO Value Rx

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