Free CareFirst Blue Cross and Blue Shield, Maryland Quotes!

The largest health care provider in the Mid-Atlantic region, CareFirst Blue Cross Blue Shield is a not-for-profit organization serving over 3.3 members across the District of Columbia, Maryland, North Carolina, West Virginia, and Virginia. With 165 hospitals in the CareFirst provider network, members will find it easy to access care that has built an outstanding reputation for quality and effectiveness. Members will also find a wide variety of health care plans to choose from, including:

• BlueChoice

  , a health maintenance organization (HMO) plan that is referral-based. Members choose a primary care physician from among the plan's provider network of over 2,600 qualified professionals. The use of providers outside the BlueChoice network is not covered, except in the event of emergency or urgent care need.

• BlueChoice HMO Open Access

  , a health maintenance organization (HMO) plan that allows members to visit any physician or specialist within the 2,600 provider network. Members are, however, required to choose a primary care physician upon enrollment who can help cooridnate routine care and treat conditions

Choosing the Right Health Insurance

• BlueChoice Opt-Out Open Access, a health maintenance organization (HMO) plan that allows members to visit all providers within the plan network without receiving a referral from their primary care physicians. In-network care comes at a lower out-of-pocket cost than visiting a provider outside the network.



• BlueChoice Opt-Out Plus, a point-of-service (POS) plan that allows members to seek the attention of providers outside the plan network, but at a higher out-of-pocket cost than when seeking in-network service.



• BluePreferred, a preferred provider organization (PPO) plan that allows members to choose any provider within the plan network at a lower out-of-pocket cost than when choosing providers outside the network. No referrals are requisite before members seek attention from specialists.



• BluePreferred Limited Benefit Plan, a preferred provider organization (PPO) plan that is offered at lower cost to employees of qualifying businesses within Maryland.



• BluePreferred Open Enrollment, a preferred provider organization (PPO) plan that is available without advanced health screening. Members may self-refer to any provider within the plan network.



• Blue Selections, a selection of 3 regional health care plans that employers may offer their employees. These plans principally include options for medical, dental, vision, and prescription drug coverage.



• BlueFund Consumer Directed Health Plans (CDH) gives members coverage under a CareFirst Blue Cross Blue Shield plan in conjunction with a Health Savings Account (HSA). Members are encouraged to take control of personal health and wellness via online self-service tools and informational resources.



• Maryland Point of Service, a traditional indmenity health plan that offers members coverage within as well as outside the provider network.



• Personal Comp, a cost-sharing plan that allocates a percentage of responsibility for health services costs to members. Deductibles are variable, while copays are dependent on the member's choice of provider.



• Preferred Provider Organization (PPO/PPN), a plan that allows members to pay a small out-of-pocket expense when seeking providers within the PPO/PPN network. Non-network attention is also covered, but at a higher out-of-pocket cost.



• Select Preferred Provider Plan, a preferred provider organization (PPO) plan that allows members to seek any provider within the network and self-refer to specialists. Non-network attention is also covered, but at a higher out-of-pocket cost