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It is a HDHP HMO with PPO out of area. You can't beat the BCBC provider network and predictability of costs with co-payments instead of coinsurance. CareFirst has a great network where I live in the Washington, DC metro area. The only downside is their customer service is below average.
Thereof, what kind of insurance is CareFirst?
CareFirst offers a variety of plan types (HMO, POS, PPO). Plan types refer to how plans provide coverage and from which network of providers you receive care.
- Kaiser Permanente. As the largest nonprofit health plan in the U.S., Kaiser Permanente serves nearly 9 million members across the country, including Maryland.
- CareFirst – Blue Cross Blue Shield.
- Coventry Health Care.
- UnitedHealthcare.
- Assurant Healthcare.
Similarly, it is asked, is CareFirst the same as Blue Cross Blue Shield?
Yes, for the Feds, the Blue Cross Blue Shield plans are national, and fee for service. CareFirst is the Maryland DC product. CareFirst has the huge BCBS provider network. You wouldn't see much difference there.
Preferred Provider Organization (PPO) CareFirst BlueCross BlueShield's Preferred Provider Organization (PPO) is offered to all active State of Maryland employees as well as all retirees, with or without Medicare, regardless of their place of residence.