Does Tufts Health Plan Cover Online Therapy? Here's What We Know.
Tufts Health Plan covers telehealth mental health for members in Massachusetts and New England — with parity rules requiring coverage at the same level as physical health.
Tufts Health Plan is now part of Point32Health alongside Harvard Pilgrim. This guide covers Tufts plan benefits.
Tufts Health Plan and Online Therapy — What We Know
Coverage status: Yes — most commercial and Medicaid plans
Platforms commonly in-network: Talkspace, Headway, Grow Therapy
Typical cost with insurance: $20–50 per session (commercial); $0–10 (Tufts Medicaid)
Tufts Health Plan is a Massachusetts-based nonprofit health insurer offering commercial, Medicare Advantage, and Medicaid plans. Tufts merged with Harvard Pilgrim Health Care in 2021 to form Point32Health, giving Tufts members access to a broader combined provider network.
Telehealth mental health: All Tufts commercial plans cover telehealth mental health services under mental health parity law. Your telehealth therapy copay will typically match your in-person mental health copay — for most Tufts PPO plans, that's $20–50 per session after deductible.
Tufts Medicaid (NaviCare / Tufts Health Together): Tufts manages Medicaid plans in Massachusetts. These plans cover telehealth behavioral health services at $0–10 cost-sharing. Members can access covered providers through the Tufts Health Together member portal.
Medicare Advantage (Tufts Health Plan Senior Care Options): Tufts Medicare plans include telehealth mental health benefits. Coverage varies by plan — check your Evidence of Coverage for telehealth mental health cost-sharing details.
What to Expect
Most plans that cover online therapy work the same way as in-person coverage. Once you're matched with an in-network provider, you pay your plan's mental health copay per session. If you haven't met your deductible yet, you may pay more until you hit that threshold — then your copay rate applies for the rest of the year.
Typical copay range: $20–50 per session (commercial); $0–10 (Tufts Medicaid). Keep in mind this is an estimate — your actual cost depends on your specific plan, your deductible status, and whether the provider is in-network.
Always verify your exact coverage before your first session. Most platforms let you enter your insurance information during signup and will confirm whether you're covered before you pay anything.
How to Check Your Tufts Health Plan Coverage
- Call the member services number on the back of your Tufts Health Plan card and ask: "Does my plan cover telehealth mental health services?"
- Ask specifically: "Is telehealth therapy covered at the same copay as in-person therapy?"
- Ask: "Which telehealth platforms are in-network for mental health? Is [platform name] covered?"
- Ask: "What is my current deductible status for mental health benefits?"
Alternatively, log into your Tufts Health Plan member portal online and navigate to "Benefits" or "Coverage Details" — look for the "Mental Health" or "Behavioral Health" section. Most member portals show your specific copay and deductible information.
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Compare All Insurance OptionsWe're not therapists or insurance advisors — we're researchers who compiled publicly available information about insurance coverage for online therapy. Coverage information is general and may not reflect your specific plan. Always verify your exact benefits directly with Tufts Health Plan before booking a session. Some links on this page may be affiliate links.
Insurance coverage depends on your specific plan, state, and provider. Copay estimates are based on averages and may vary significantly. We update regularly, but confirm current coverage directly with your insurer.