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- Reduced monthly premiums. BluePreferred HSA plans have high deductibles, giving you a lower monthly premium cost and allowing you to spend – or save – that money elsewhere.

- Reduced doctor’s office costs. Because of CareFirst’s negotiating power, you’ll usually pay substantially less for doctors and hospitals than you would pay without insurance.

- Prescription drugs. Again, you’ll pay CareFirst’s negotiated rates for prescription drugs, saving you money over the high cost of retail drugs. And once you meet your deductible, you’ll pay only a copayment for prescriptions.

- Preventive care benefits. You’ll have no deductible, just a copayment, for preventive benefits. These work to keep you healthy, and can help you spend less money on health care in the long run.

- Tax-free savings account. Your HSA funds may be deposited into any investment option permitted under IRS guidelines; the earnings accumulate tax free.
Enrolling in a BluePreferred HSA plan is a great option for health care coverage – one which can protect you against catastrophic health expenses without costing a lot of money up front. But a BluePreferred HSA also allows you to invest the money you save, tax-free.

Get Your Care First Blue Cross Blue Shield Maryland Indivudual and Family Health Insurance Quotes

Medical Benefits

You Pay

Preventive Services

Adult Physicals (including routine OB/GYN visits)

$30 per visit (no deductible)

Well-Baby and Child Care (including exams and immunizations)

$30 per visit (no deductible)

Mammograms, PAP Tests and Prostate Screening & Colorectal Screening

No Charge

Office Visits, Labs and Testing

Office Visit for Illness

$30 per visit (after deductible)

X-ray and Lab Tests

Deductible and Coinsurance

Allergy Testing and Treatment

Deductible and Coinsurance

Emergency Care

Emergency Room

Deductible and Coinsurance

Urgent Care Center

Deductible and Coinsurance

Ambulance (when medically necessary)

Deductible and Coinsurance


Inpatient Facility Services

Deductible and Coinsurance

Inpatient Physician Services

Deductible and Coinsurance

Outpatient Facility Services

Deductible and Coinsurance

Outpatient Physician Services

Deductible and Coinsurance


Prescription Drug Benefits*


Combined with medical deductible

Generic Copay

$10 (after deductible)

Preferred Brand Copay

$25 (after deductible)

Non-Preferred Brand Copay

$45 (after deductible)

*50% coinsurance on self-administered injectables with a $75 per fill maximum.

CareFirst has made it even easier to manage your costs by combining the medical and prescription deductibles. Money you spend toward covered prescriptions and medical care will go toward meeting the same annual deductible. In addition, all money you pay for medical and prescription costs will go toward meeting the out-of-pocket limit.

Your annual deductible can be met by a combination of family members receiving care, or just one family member receiving care. Once you meet the deductible each year, CareFirst begins paying benefits at the specified coinsurance level.

Care received out-of-network is subject to higher deductibles, coinsurance and out-of-pocket limits.

* There is a 10-month waiting period for coverage on pre-existing conditions.

*Optional (extended) maternity and prenatal benefits may be added for you or your covered spouse. For an additional $126 per month, you'll receive benefits for covered pre- and post-natal care as well as covered services associated with the delivery. If you add maternity coverage, at any time, and you are pregnant on the effective date of your coverage, there will be a 10-month pre-existing condition exclusion period for extended maternity and related services. If you become pregnant after your effective date, then CareFirst will begin covering extended maternity and related services immediately.

* Optional dental and vision benefits may be added to make your coverage even more valuable. is 7272 Cradlerock Way Suite 100 Columbia MD 21045 Toll Free (888)490-8782