CareFirst Blue Cross/Blue Shield is the local individual market Blue Cross/Blue Shield carrier for areas of Northern Virginia that are east of Route 123.  Some of these areas include Arlington, Alexandria, McLean, Vienna, Springfield, Fort Belvoir, and parts of Fairfax.  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 $100, 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
  • Individual + Child(ren)
  • Individual + Adult
  • Family

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.  Conversely, the pricing structure is less favorable for families with one child and another carrier may be a better option.  Get an instant quote comparison to find out what works best for your family.

The plans available from CareFirst Blue Cross/Blue Shield of Virginia include the following:

BluePreferred HSA PPO – A high deductible policy compatible with a health savings account.  Lower premiums, preventative care covered with fixed co-payments 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 and prescriptions.    Your choice of $100, $300, $500, $750, or $2,500 deductibles (per person).   

BluePreferred HIPAA PPO – Same plan as BluePreferred PPO, but at a higher cost for individuals that are eligible under HIPAA portability guidelines and cannot qualify medically for underwritten coverage.

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 and no annual prescription limit, such as BluePreferred Underwritten PPO or Healthy Blue Triple Option.  Your choice of $2,500, $5,000, or $10,000 deductibles (per person).

BluePreferred Open Enrollment PPO – A guaranteed issue Virginia health insurance plan for individuals that are not eligible for medically underwritten coverage.  Pre-existing conditions are not covered for the first 10 months, but are covered after the waiting period.  $750 deductible only.

HealthyBlue Triple Option – One of CareFirst’s most comprehensive plans, featuring low deductibles, fixed co-payments for most services, preventative care at no charge, maternity benefits, 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, 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.  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!

CareFirst HIPAA – Coverage with no medical questions for individuals that do not qualify for underwritten plans.  All CareFirst plans are available for HIPAA guaranteed coverage.  Individuals must be HIPAA-eligible to purchase one of the available plans – premiums are higher than fully underwritten coverage.  To get more information on whether you may be HIPAA eligible, please call us at 703-753-3376 or 1-877-656-1436.

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.