Health plan & appeal guide
Tufts University
For current employees
This employer has both kinds of coverage. The company on your insurance card decides which rules apply to you.
How we know · medium confidence
- This employer files 2 health plans for this group; we judged them together.
Tufts University Group Welfare Benefit Plan · 5,165 people · Self-funded · federal rules
- The filing says benefits are paid from the employer's general assets.
- No medical insurance contract is on file (Schedule A).
- We ignored a small insurance contract with Cigna covering about 11 people; it is too small to be the main plan.
Tufts University Postdoctoral Medical Benefit Plan · 146 people · Insured · state rules
- Medical insurance bought from Blue Cross Blue Shield is on file, covering about 206 people.
- The filing says all benefits are paid through insurance contracts.
Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.
Which company is on your insurance card?
It’s printed on the front of the card. The filing shows which companies sell insured options here and which ones run the self-funded plan.
Send your appeal here
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For retirees
The filing doesn’t settle it. One question about your insurance card will.
How we know · low confidence
- No medical insurance contract is on file (Schedule A).
- The filing says all benefits are paid through insurance contracts.
Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.
Is your plan insured or self-funded?
Look at your card or plan summary, or ask HR: “Is our medical plan fully insured or self-funded?”
Send your appeal here
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Know your deadlines
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What happens next
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Get free help
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Coming next
Get help writing the appeal letter
We’re building a tool that drafts your appeal from the denial letter and keeps track of every deadline. Leave your email and we’ll send one note when it’s ready.