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Carefirst Blue Cross Blue Shield of Maryland

Carefirst Blue Cross Blue Shield (BCBS) of Maryland is an independent regional provider of health insurance. It is a member of BCBS Association. The BCBS companies offer some form of low cost health coverage in all states. These companies, mostly independent, and either regional or state-based, were some of the earliest managed health care companies in the U.S..

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Carefirst BCBS MD Coverage

Carefirst Blue Cross Blue Shield of Maryland
P.O. Box 804
Owings Mills, MD 21117
http://www.carefirst.com

Carefirst Blue Cross Blue Shield of Maryland offers the following types of affordable health insurance plans:

  • Individual and family plans
  • Medicare and beneficiary plans
  • Group health plans for small businesses, including traditional, PPO, and HMO plans
  • Federal employee program
  • Long term care plans

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Some of the features of the direct-pay Carefirst Blue Cross Blue Shield of Maryland health plans for individuals and families include:

  • There are separate rate scales for in-network and out-of-network, but you have the flexibility to use doctors and facilities near you.
  • You have a choice of plans, including those with or without a deductible.
  • You can go to a network specialist without a referral.
  • Family planning services, as well as physical therapy and speech therapy are covered.
  • Preauthorization is required for many procedures.
  • Coverage for accidents begins immediately, with no deductible.

Individual plans include a range of deductibles and co-pays. Carefirst BCBS also offers a high deductible plan for use with a health savings account and a short-term coverage plan. All individual plans are limited to residents of Delaware, the District of Columbia, Maryland, North Carolina, Northern Virginia, and West Virginia who are not eligible for Medicare.

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