CareFirst Blue Cross / Blue Shield’s most comprehensive PPO plan in Maryland is BluePreferred. Blue Preferred is most similar to traditional group health insurance with low deductibles and predictable fixed costs for services like office visits and prescription drugs. There is no charge for preventative care and you can save money on prescription drugs by ordering a 90-day supply through the mail. Benefits for BluePreferred PPO are as follows:
Deductible – $100, $300, or $500. Deductibles are per person, maximum of two per family.
Co-insurance – 20% after deductible. 10% for the $100 deductible plan. 10% co-insurance optional for $300 deductible.
Annual out of pocket limit for individuals – $2500
Annual out of pocket limit for families – Double the out of pocket maximum for individuals, but no more than the individual maximum for any one person.
Lifetime Maximum – Unlimited
Office visits – $25 co-pay for both primary care and specialists. $5 co-pay for allergy treatments.
Preventative care – No charge (in network)
Prescriptions – $100 prescription drug deductible per person, then $10 co-pay for generics, $25 for brand name, $45 for non-formulary brand name (30-day supply). If using mail order, up to a 90-day supply is $20 for generics, $50 for brand name, and $90 for non-formulary brand name.
Emergency Room – $50 co-pay plus 20% co-insurance after deductible
Outpatient Lab/X-ray – 20% co-insurance after deductible. 10% for $100 deductible option and if selected for $300 deductible.
Outpatient Surgery – 20% co-insurance after deductible. 10% for $100 deductible option and if selected for $300 deductible.
Hospitalization – 20% co-insurance after deductible. 10% for $100 deductible option and if selected for $300 deductible.
Maternity Benefits – Requires optional rider. Rider costs $126 per month and has a 10-month waiting period.
To get an instant quote for CareFirst BluePreferred PPO and apply online, just click the banner at the top or bottom of the page to get started. You can give us a call at 1-800-571-2980 if you have any questions from 9 AM to 9 PM or send us an e-mail at Info@terminsurancebrokers.com 24 hours a day.