Carefirst bluechoice plan

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Back to top. CareFirst BlueChoice Advantage offers you the flexibility and freedom to choose from both in- and out-of-network providers. CareFirst BlueChoice Advantage does not require you to designate a primary care provider PCP or to obtain a referral to see a specialist. However, if you select a patient centered medical home PCMH PCP , they can help you to better manage your health care needs and overall well-being by providing comprehensive care coordination.

Your portion of the cost of the medical coverage is deducted from your pay on a pre-tax basis. Express Scripts drug coverage is included with your cost for the CareFirst medical coverage.

The Plan Allowance for covered services is determined by the contracted rate or fee schedule that participating providers have agreed to accept for that service or the rate or fee that is established by law.

The in-network annual deductible applies to non-preventive care services. Preventive care such as annual physicals and mammograms are not subject to the deductible, however, copayments still apply. The BlueChoice plan does not cover any portion of your medical bills until you first meet your annual deductible; copayments still apply and do not count toward the deductible. After the deductible is met for the year, you pay the copayment for certain covered services.

The out-of-network plan does not cover any portion of your medical bills until you first meet your annual deductible. If your provider participates with BCBS through another plan, they are required to submit your claims on your behalf and BCBS will reimburse them directly. You are responsible for arranging your own hospital certifications. There is a financial penalty if pre-certification is not arranged.

Please call the provider's office directly to confirm that they still participate in the CareFirst network, even if they are listed as a provider on the CareFirst site. To find an in-network provider, visit www. If your provider is not listed in the online directory, they are considered out-of-network.

You will still have coverage, but your out-of-pocket costs will be greater. Please call the provider's office directly to confirm that they still participate in the CareFirst network, even if they are listed as a provider on the BCBS site. In addition, you can schedule visits for other needs such as behavioral health support from a therapist or psychiatrist, guidance from a certified nutritionist or breastfeeding support from a lactation consultant.

Visit www. Patient centered medical home PCMH doctors provide coordination of care for patients with serious and chronic health conditions. If your physician participates, they will get streamlined access to specialist reports, test results, and hospitalization information. A nurse in your physician's office is designated to be available to answer questions, support the treatment process, and be proactive in providing care. The program is confidential, voluntary, and provided at no additional cost to you.

If you are contacted by your doctor, we strongly encourage you to enroll in the program so that you can get personalized care and support for you and your family. To find out if your physician participates in the program, go to www. CareEssentials is a personalized, confidential, and voluntary health coaching program to help people with chronic conditions, like diabetes or asthma, to manage their overall health.

Highly trained nurses provide one-on-one telephone support and health information, help you prepare questions for doctor visits, answer questions about new diagnoses and medications; and assist with other health issues. The CareEssentials team is available to support your relationship with your physician, not replace it.

Check carefirst. Here are highlights of how your benefits compare in-network vs. Eyeglasses, new contact lenses, and dispensing of contact lenses not included. Benefits are paid for a family member who reaches the individual deductible amount before the family deductible amount is reached.

A family member may not contribute more than the individual deductible amount to the family deductible amount. You will incur additional expenses for diagnostic testing, facility, and hospital charges. In this Section.

Contact Us. Physician Services office visits, medical and surgical.

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Learn More. We're on a mission to make quality care affordable, easy to use and available to everyone in Maryland, Washington, D. Learn about who we are and who we advocate for.

Discover how we're investing in the health of our communities. Learn how we're working to transform healthcare. Our online resources, tools and support make doing business with CareFirst easy, so you can focus on patient care. Apply Now. Interested in making a meaningful difference in our community?

Explore our career opportunities to find your place with one of the world's most ethical companies. Search Jobs. Have a question for us? If you are looking to buy or renew a CareFirst plan, please contact us at Have a question about individual or family plans? Visit our contact us page. Skip Navigation. Login Register. Explore our Insurance Basics pages. Need Insurance? Log In or Register. Find a Doctor. Usually the least expensive choice.

Your PCP and providers handle the paperwork. Very limited coverage out of the HMO's service area. Seeing an out-of-network provider usually means you will pay the entire cost. BlueChoice HMO. Point of Service POS. Includes benefits of an HMO and access to out-of-network providers. When you use your PCP to coordinate care, you'll pay the lowest cost and they'll handle the paperwork.

Copayments for in-network services are known in advance. Deductibles may apply in some plans. Using out-of-network providers will cost you more. Coverage for out-of-area services will vary; check the plan carefully to understand costs.

Large choice of providers. No referrals required. You are not required to choose a PCP. Preferred Providers will usually handle paperwork for you. Coverage for out-of-area services is usually included; check the plan carefully to understand availability and costs.

Many out-of-network services will require that you pay a deductible and coinsurance. BluePreferred PPO. Point of Service Combines the features of managed care with out-of-network benefits.

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