CareFirst Blue Cross / Blue Shield has a guaranteed-issue health insurance policy for residents of Washington DC called the BlueChoice Open Enrollment plan. You MUST be a Washington DC resident to enroll in this plan and provide proof of residency. There is no waiting period for pre-existing conditions and no underwriting or health questions asked. This policy is guaranteed issue regardless of health or pre-existing conditions. Benefits for the BlueChoice HMO Open Enrollment plan in Washington DC are as follows:
Deductible – $0
Co-insurance – None
Annual out of pocket limit – $2,500 for individuals, $5,000 for individual + child(ren), $5,000 for individual + spouse, $5,000 for families
Lifetime Maximum – Unlimited
Office visits – $10 for primary care physician, $20 for specialists
Preventative care – No charge
Prescriptions – $100 annual deductible, then $10 co-pay for Tier 1 (generics), $60 co-pay for Tier 2 (preferred brand name), $80 for Tier 3 (non-preferred brand name).
Emergency Room – $50 co-pay (waived if admitted). $20 co-pay for affiliated urgent care facilities.
Outpatient Lab/X-ray – No charge
Outpatient Surgery – $50 facility co-pay
Hospitalization – $500 co-pay per admission. No charge for medical and surgical services or inpatient prescription drugs.
Maternity – Prenatal and postnatal care not covered. $500 co-pay for room and board. Inpatient physician services not covered. No charge for nursing care.
If you would like to apply for the CareFirst Open Enrollment policy, give us a call at 1-800-571-2980 to request an application, or send us an e-mail at Info@terminsurancebrokers.com. This plan cannot be applied for online.