CareFirst is the Blue Cross/Blue Shield carrier for all areas of Maryland, all areas of Washington DC, and all parts of Northern Virginia that are east of Route 123 (Chain Bridge Road). Anyone located west of Route 123 in Virginia would be referred to Anthem Blue Cross/Blue Shield.
CareFirst has more policyholders than any other company in the Mid-Atlantic region. Over 3.4 million members are offered a variety of plans to suit different budgets and coverage preferences. From low-cost, high-deductible plans compatible with a health savings account to comprehensive plans with deductibles as low as $0 for HMO plans, CareFirst has an option for everyone. Coverage is priced based on the age of the oldest family member and is assigned in one of the following ways:
- Individual + Child(ren)
- Individual + Adult
Based on the above pricing structure, CareFirst is an even better option for families with many children since the same price is charged whether there is one child or ten children. For husband/wife applicants, the rates may be lower applying separately versus applying together. Get an instant quote comparison to find out what works best for your family.
The plans available from CareFirst Blue Cross/Blue Shield of Maryland include the following:
BluePreferred HSA PPO – A high deductible policy compatible with a health savings account. Lower premiums, preventative care at no charge (in network) before your deductible. No annual limit for prescription drugs and just one single deductible for the whole family. Deductible choices of $1,200 or $2,700 (individual) and $2,400 or $5,400 (family).
BluePreferred PPO – A traditional health plan with low deductibles. Featuring fixed co-payments for office visits, prescription drugs, and no charge for preventative care (in network). Your choice of $100, $300, or $500 deductibles (per person).
BluePreferred Saver PPO – Similar to BluePreferred, but with a limit of two office visits per person with a fixed co-payment and a $150 separate deductible for prescriptions. This plan DOES NOT cover brand name drugs. We strongly recommend purchasing a plan with brand name drug coverage, such as BluePreferred Underwritten PPO or Healthy Blue Triple Option. Your choice of $2,500, $5,000, or $10,000 deductibles (per person).
HealthyBlue Triple Option – A POS plan with low out of pocket expenses and co-pays when using the BlueChoice HMO network, while still offering benefits for using out of network services. Preventative care offered at no charge, includes maternity benefits with no waiting period, unlimited prescriptions, no lifetime maximums, and a single deductible for the whole family. Healthy Blue offers credits up to $700 for maintaining a healthy lifestyle and allows self-referrals within the BlueChoice network (no primary care physician referral required).
HealthyBlue Dual Option HSA – A high deductible health plan compatible with a health savings account. Includes preventative care at no charge, maternity benefits with no waiting period, unlimited prescriptions, no lifetime maximums, and a single deductible for the whole family. Healthy Blue offers credits up to $700 for maintaining a healthy lifestyle and allows self-referrals within the BlueChoice network (no primary care physician referral required).
BlueChoice HSA HMO – Similar to BluePreferred HSA PPO, but with a more restricted HMO network, lower co-payments for some services, and maternity coverage included as a standard benefit with no waiting period. Deductible options of $1,200 or $2,700 (individual) and $2,400 or $5,400 (family). Excellent option for anyone looking for a plan that includes maternity benefits!
BlueChoice HMO Underwritten – CareFirst’s most comprehensive benefits. All plans have a $0 deductible, low co-payments required for most services, low “out of pocket maximums”, maternity benefits included with no waiting period, no charge for preventative care, and unlimited prescriptions. This plan will have a higher cost than other plans available from CareFirst.
Maternity benefits are available for all PPO plans as an optional rider for a fixed cost of $126.00 per month regardless of plan and deductible. There is a 10-month waiting period before conception for benefits to be paid. Maternity is included with both HealthyBlue plans and BlueChoice HMO plans.
To compare instant quotes for CareFirst Blue Cross/Blue Shield and apply online, just click the banner at the top or bottom of the page. You can also call us at 1-800-571-2980 from 9 AM to 8 PM, or e-mail us at Info@terminsurancebrokers.com 24 hours a day.