2023 Tufts Medicare Preferred
HMO Saver Rx Plan
- $0 Medical Deductible
- Prescription Drug Coverage Included
- $350 Annual Wellness Allowance
- $150 Annual Eyewear Benefit

Tier 1 - Preferred Generic Drugs
Copays (30-day Retail / 90-day Mail Order)
Deductible

Tier 2 - Generic Drugs
Copays (30-day Retail / 90-day Mail Order)
Deductible

Tier 3 - Preferred Brand Drugs
Copays (30-day Retail / 90-day Mail Order)
Deductible

Tier 4 - Non-Preferred Drugs
Copays (30-day Retail / 90-day Mail Order)
Deductible

Tier 5 - Specialty Drugs
Copays (30-day Retail / 90-day Mail Order)
Deductible

Tier 6 - Vaccines
Copays (30-day Retail)
Deductible

Coverage Gap Stage - Generic
In 2023, once you and your plan have spent $4,660 on covered drugs combined, you're in the Coverage Gap Stage where the 30 day supply costs: $0 for Tier 6 drugs and 25% of the cost for Part D generic drugs, plus a portion of the dispensing fee for Tiers 1-5.

Coverage Gap Stage - Brand Name
In 2023, once you and your plan have spent $4,660 on covered drugs combined, you're in the Coverage Gap Stage where the 30 day supply costs: $0 for Tier 6 drugs and 25% of the cost for Part D brand name drugs, plus a portion of the dispensing fee for Tiers 1-5.

Catastrophic Coverage Stage - Generic
In 2023, once you've spent $7,400 in out-of-pocket prescription costs you are in the Catastrophic Coverage Stage; generic prescriptions will cost the greater of 5% of the prescription price or $4.15 per prescription.

Catastrophic Coverage Stage - Brand Name
In 2023, once you've spent $7,400 in out-of-pocket prescription costs you are in the Catastrophic Coverage Stage; brand name prescriptions will cost the greater of 5% of the prescription price or $10.35 per prescription.

Out-of-Pocket Maximum
Your Annual Out-of-Pocket Maximum is $7,550. This is the most you will pay in a plan year for covered medical expenses.

Physical and Wellness Visit
Your Annual Physical, or Wellness Visit, will cost $0. You are allowed one Annual Physical and one Wellness Visit each plan year.

Primary Care Provider (PCP)
$10 per Primary Care Physician (PCP) visit

Specialist Copay
$45 per Specialist visit

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

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

Laboratory Services
$0 per day for Lab Services, including certain blood, urinalysis and tissue tests. Copay will not apply in addition to office visit or urgent care copay.

X-Rays
$20 per day. Copay will not apply in addition to office visit or urgent care copay.

Diagnostic Procedures
$20 per day. Copay will not apply in addition to office visit or urgent care copay.

Diagnostic Radiology Services
Ultrasound: $100 per day. Other services: $325 per day. These services generally include computed tomography (CT) and magnetic resonance imaging (MRI).

Outpatient Surgery
Colonoscopies: $0; Others (ASC): $270 per day; Others (Non-ASC): $370 - for Outpatient Services, medical procedures or tests administered at a medical facility that don't require an overnight stay.

Physical, Occupational, and Speech Therapy
$40 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.

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
$50 per visit. Urgently needed care covers you when you need immediate medical care due to an unanticipated illness, injury, or condition but your health is not in serious danger.

Emergency Room Visits
Emergency Room visits cost $90 per visit, and there is no limit to the number of visits in a plan year.

Inpatient Hospital Coverage
You will pay $350 per day for days 1-5. After day 5 you will pay $0 per day.

Ambulance Rides and Services
$350 per one-way trip for medically necessary Ambulance Services. This cost applies on a per day basis, regardless of the number of ambulance trips made. PA may be required for non-emergency transportation.

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 calendar year.
With Dental Option Added: $0. Covers two per calendar 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 calendar year.
With Dental Option Added: $0. Covers two per calendar 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; White filings on posterior teeth will be processed as a silver filling and the patient is responsible for up to the contracted fee.
With Dental Option Added: 20% of total cost. Covers one every 24 months per surface, per tooth; White filings on posterior teeth will be processed as a silver filling and the patient is responsible for up to the contracted fee.

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.

Telehealth
Medicare-covered services plus additional telehealth services. $0 copay for e-visits and virtual visits; For all other telehealth visits, copay is the same as corresponding in-person visit copay.

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.

Over the Counter (OTC)
$60 per calendar quarter. Members receive calendar quarter allowance to use towards covered OTC items. No rollover of unused quarterly balances.

Hearing Aid Benefit
Up to 2 aids per year through Hearing Care Solutions: $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
$150 per year to use at a participating EyeMed provider or $90 per year at a non-participating provider.

Weight Management Programs
$150 reimbursement per year for fees related to weight management programs like WeightWatchers, Jenny Craig and hospital-based programs.

Wellness Allowance
Choose how to stay fit with up to a $350 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.
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.