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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. Shop Insurance Plans.

Employer Solutions. Insurance Basics New. Introducing CloseKnit A new patient-centric, virtual-first primary care practice. About Us. Company Overview. Ready to Empower the Future of Healthcare? By developing new products, enhancing capabilities and increasing sharable services, we help our customers remain competitive and adapt to meet the needs of a rapidly changing market. All other trademarks are the property of their respective owners.

Empowering the Future Healthcare Ecosystem. Empowering The Future Healthcare Ecosystem. Professional Services Realize the full potential of our solutions with the help of our team of experts.

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Provide accurate and prompt benefit reimbursement to members no matter where they live, work or travel. Realize the full potential of our solutions with the help of our team of experts. Ready to Empower the Future of Healthcare? By developing new products, enhancing capabilities and increasing sharable services, we help our customers remain competitive and adapt to meet the needs of a rapidly changing market. All other trademarks are the property of their respective owners.

Empowering the Future Healthcare Ecosystem. Cost-sharing is made up of three parts: deductibles, copayments and coinsurance. For a detailed definition of cost-sharing, please refer to our Important Terms section. Expand All Collapse All. When you see one of our more than 50, participating providers, you'll save the most money. If you go outside the BlueChoice network, your medical services will not be covered except for emergency services.

Our POS plans offer more flexibility. These plans combine the benefits of an HMO with access to out-of-network providers. You can see providers in the BlueChoice network for the most savings or use the PPO network and pay slightly more but still be protected from balance billing. You can also visit a provider outside of CareFirst's networks, but you'll likely pay charges that exceed CareFirst's allowed benefit.

You can receive care from the PPO network of more than 55, providers locally and hundreds of thousands nationally. In addition, you can go out-of-network and pay slightly more. Understanding plans. 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.