Carefirst maryland hmo

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Login Register. Have questions about health insurance? Explore our Insurance Basics pages. Need Insurance? Log In or Register. Choosing a health plan for yourself—or your family—is an important decision. Whether you know what coverage you need or want to explore your options, CareFirst offers a range of plans for Maryland residents. Plans offer core health benefits and preventive services, including: Prescription drugs Preventive care Vaccinations Hospital and emergency services As a Maryland resident, you can apply for your health insurance plan directly through CareFirst.

Get a Quote. Interested in individual or family health insurance? The monthly payment for an HMO plan is lower than for a PPO plan with a comparable deductible and out of pocket maximum.

CareFirst's PPO plans offer a wide network of providers. In exchange for a lower monthly payment, an HMO offers a narrower network of available doctors, hospitals, and specialists. CareFirst has built its plans with patients' freedom to see the doctor of their choice in mind, and the HMO plan still covers a wider network of doctors than many other health insurance providers.

A Health Maintenance Organization is a network of doctors, hospitals and other health care providers who agree to provide care at a reduced rate.

To keep costs low, HMOs may require you to select a primary care physician sometimes called a primary care provider or PCP , who can refer you to specialists when needed. An HMO plan will only pay for care from health care providers in the HMO network, except for emergency care, which may be covered out-of-network. Lab work, such as a blood draw, or a urine test, is also limited to one laboratory provider covered by the HMO network. HMO plans are generally less expensive than PPO plans, with lower monthly payments, making them ideal if your favorite doctors are already in the network, or if you receive most of your care close to home.

Like an HMO, a Preferred Provider Organization is a network of doctors, hospitals and health care providers who agree to provide care at a certain rate. Unlike an HMO, you are not limited to providers who are in-network, though your copay or out-of-pocket cost for out-of-network visits may be higher than for in-network providers.

PPO plans typically require higher monthly payments in exchange for increased flexibility. With a PPO, you do not need to maintain a primary care physician, and can see a different doctor of your choice at any time, including specialists. This also means when you are traveling, you can receive care wherever you are. Additionally, PPO plans offer more options for laboratory service providers. When you need lab work done, you can choose the most convenient location under a PPO network. If you need a lower monthly fee, consider an HMO plan.