Insurance

Tufts Health Plan Therapy Coverage Explained

When looking for the right insurance plan, more people than ever before are checking for mental health benefits. Why? They realize taking care of your mental health is as important as taking care of your physical health. If you had high blood pressure, caught a virus, or broke your arm, you wouldn’t hesitate to see […]

derek lee grow therapy By Derek Lee, VP of Insurance Operations

Updated on Jan 12, 2024

When looking for the right insurance plan, more people than ever before are checking for mental health benefits. Why? They realize taking care of your mental health is as important as taking care of your physical health. If you had high blood pressure, caught a virus, or broke your arm, you wouldn’t hesitate to see a doctor. As social stigma around mental healthcare wanes, more and more people in the U.S. are seeking professional help for mental health issues that interfere with living a healthy, fulfilling life. 

Research shows it’s working. The American Psychiatric Association reviewed studies on the effectiveness of therapy and found that 75% of people who get therapy show some benefit. 

Many people may not know their insurance covers therapy or that it may not cost as much as they thought. If you have coverage with Tufts Health Plan, keep reading to learn about the mental health benefits your plan offers, how to check your coverage, and where to find an in-network therapist.

Does Tufts Health Plan Cover Mental Health Services?

Yes, Tufts Health Plan provides members with multiple resources to support their mental health. They primarily serve members in Massachusetts, but also cover members in Connecticut and Rhode Island. 

Therapy Tufts Health Plan Covers

Tufts insurance covers therapy for many concerns, both in-person and virtual providers, for their Massachusetts members. While coverage varies based on the plan, here are a few of the conditions that are typically covered:

These are some of the types of therapy modalities covered:

What Therapy Tufts Health Plan Does Not Cover

Tufts Health Plan doesn’t cover experimental treatment or treatment deemed not medically necessary. They also exclude therapy in non-conventional settings such as spas, educational or vocational settings, wilderness retreats or camps.

How to Check Your Tufts Health Plan Insurance Coverage

You have a few options to check out the mental health benefits of your specific plan. 

Online

Log in to the member portal online and search for your Summary of Benefits + Coverage (SBC). 

If you don’t already have a username and password, you can create one using information from your insurance ID card.

Phone

You shouldn’t hesitate to call member services if you have any questions about what you found online. If searching online isn’t your thing, you can always call and ask for an explanation of your mental health benefits.

How Much Does Therapy with Tufts Health Plan Cost?

We’ll break it down so you can navigate your plan benefits like a pro. A few elements of your health plan determine how much you’ll pay for therapy:

Plan Type

Your insurance card will tell you what type of plan you have (e.g. HMO, EPO, PPO. POS). 

The specific plan you have determines your deductible, copay, co-insurance, and the covered network of providers you can see. 

POS: Point of service

HMO: Health Maintenance Organization

PPO: Preferred Provider Organization

EPO: Exclusive Provider Organization

Most plan types require a referral from your primary care physician (PCP) to see a specialist. However, you don’t need a referral to see a therapist. One less step to contend with.

As far as cost goes, you can think of it like this: usually, the lower the monthly premium, the higher the copayments/coinsurance, deductibles, and out-of-pocket maximums. Tufts Health Plan offers multiple plans at varying price points. 

Tufts Health Plan is one of the few health plans in Massachusetts to participate in the commercial, Medicare and Medicaid/subsidized markets, offering coverage across the life span regardless of age or circumstance.

Deductible

Your deductible is how much you have to pay for covered healthcare services before your insurance kicks in and starts paying your medical expenses (except for free preventive services, like wellness checkups). Typically, the lower the deductible, the higher the monthly premium. 

Copays

Co-pays are small payments that you pay your therapist for each of your therapy sessions, usually around $20-30. Copays generally don’t count toward meeting your deductible.

Co-Insurance

Co-insurance is the percentage of your healthcare costs you will pay after your deductible is met. For example, say your deductible is $1,500 and your co-insurance 20%. You pay 100% of your healthcare expenses until you reach $1,500. After that, you’ll pay only 20% of expenses until you reach your out-of-pocket maximum or the end of the year.

Out-of-Pocket Maximum

The out-of-pocket maximum is the most you will have to pay for covered services in a year. If you reach this amount, any more allowed healthcare expenses will be covered 100% by your insurance.

In-Network vs Out-of-Network Providers

What is the network? Insurance companies negotiate rates with providers. Providers who agree to those negotiated rates are part of the network. Some plans pay for in-network providers only. POS and PPO plans cover both in-network and out-of-network therapists. 

Keep in mind that out-of-network providers usually cost more because they don’t have negotiated rates with your insurance provider. Also, if your plan covers out-of-network therapists, the insurance will pay around 50-70% of the therapist’s fee.

How to Find a Therapist who Takes Tufts Health Plan

Online Directory

If you’re looking for a therapist that participates in the network, go to their website. Click “Find a Doctor or Hospital” on the top right. Tufts Health Plan members can log in and search the network associated with their plan. 

Customer Service

If you’d like help searching for an in-network therapist, give the member services number (on the back of your ID card) a call. You can also find a plan-specific directory of member services numbers.

For people new to Tufts who already have a therapist, log in to your member portal and search for your provider’s name. If your provider is not in the network, call the member services number on the back of your ID card. They can call your provider to ask if they’ll join the network or can help you find an in-network professional who is a good fit for you.

Employee Assistance Program

Some employers offer Employee Assistance Programs (EAP) included with their health plans. Tufts Employee Assistance Programs provide treatment for substance abuse, mental health benefits, and professional counseling for personal problems. Services are available at no cost to you 24-hours a day, seven days a week. Their representatives can help you get counseling for family problems, stress-related disorders, marital difficulties, or financial problems.

Consider Tele-therapy

If your plan allows, you may want to consider using Tufts’ telehealth service. It gives you 24/7 access to an in-network counselor by phone, web, or mobile app. Find out more at here.

Grow Therapy

Through the Grow Therapy marketplace, you can not only find an in-network therapist, but you can also book your session directly on the provider’s profile.

Find a Tufts therapist

Get started

Inpatient Services for Substance and Alcohol Use Disorder

Tufts Health Plan also covers you when you need inpatient treatment or help with substance or alcohol use disorder.

Inpatient Care

For access to inpatient care, you have some options:

  1. Call member services at the number on the back of your card to learn what inpatient behavioral health facility is covered under your benefits.
  2. Search for a mental health facility on the Tufts home page. Tufts Health Plan contracts with inpatient behavioral health facilities that are not on our designated facility list.
  3. Go to the Emergency Room. If you feel you need immediate inpatient care, you can go to the nearest emergency room (ER) for an evaluation. The ER team will then contact Tufts Health Plan to determine the next steps based on your clinical needs and your coverage.

Treatment for Substance and Alcohol Use Disorder

Tufts Health Plan can connect you with a local treatment program. These programs offer many advantages:

Get Support

When your mental health is suffering, it’s hard to take steps to get the help you need. Take courage. Help is right around the corner; you don’t have to suffer alone anymore. Find a therapist and get on the path to feeling good.

FAQs

  • Tufts Health Plan primarily serves members in Massachusetts as well as Connecticut and Rhode Island.

  • MassHealth is the program in Massachusetts that includes medicaid, medicare, and Child Health Insurance Program (CHIP). Tufts Health Plan is a private insurance company that offers some plans for the medicaid and medicare markets.

  • Point32 is the name of the new corporate entity that comprises the Tufts Health Plan and Harvard Pilgrim Health Care brands.

  • Several factors are considered to determine your eligibility to enroll in MassHealth. You must be a resident of Massachusetts, a citizen of the United States, and meet the financial requirements based on your modified adjusted gross income and who is in your household.

  • The main number for Tufts Health Plan is 617-972-9400.

About the author
derek lee grow therapy Derek Lee, VP of Insurance Operations

Derek Lee is Grow Therapy's Vice President of Insurance Operations, overseeing payor relations and success, credentialing and enrollment, new payor launch, revenue cycle management and billing, and insurance operations data analytics.

This article is not meant to be a replacement for medical advice. We recommend speaking with a therapist for personalized information about your mental health. If you don’t currently have a therapist, we can connect you with one who can offer support and address any questions or concerns. If you or your child is experiencing a medical emergency, is considering harming themselves or others, or is otherwise in imminent danger, you should dial 9-1-1 and/or go to the nearest emergency room.

Frequently Asked Questions

  • Grow Therapy connects clients, therapists, and insurance companies to make mental healthcare simple to access.

  • We make it easy to find a therapist who looks like you and can support your needs. The right therapist is one who ensures you feel safe and comfortable. If you need help choosing, read these tips or contact our matching team by phone at 786-244-7711. More contact options are available here.

  • We conduct an intensive interview process to ensure our therapists have the skills, training, and experience to help you grow.

  • People who use their insurance save an average of 73% on the cost of therapy. Sessions cost an average of $22 with insurance, but will vary depending on your plan. Get a cost estimate, learn more about how to check your coverage, or contact your insurance company for more details.