Medical Plans
2026 Coverage
|
COVERAGE |
BlueChoice Advantage High PPO |
BlueChoice Advantage HSA |
BlueChoice HMO |
||
| In-Network | Out-of- Network | In-Network | Out-of- Network | In-Network Only | |
Annual Deductible
|
$600 $1,200 |
$1,200 $2,400 |
$1,700 $3,400 |
$3,400 $6,800 |
None |
Out-of-Pocket Max
|
$3,000 $6,000 |
$6,000 $12,000 |
$3,500 $7,000 |
$7,000 $14,000 |
$3,500 $6,000 |
|
Office Visits |
$25 PCP $40 SP |
Deductible, then 40% |
Deductible, then 20% |
Deductible, then 40% |
$25 PCP/$40 SPC
|
| Well-Child Care | No charge | No charge | No charge | ||
|
Preventive Care |
No charge |
Deductible, then 40% |
No charge |
20% |
No charge |
|
Emergency Room |
Deductible, then $150 copay |
Deductible, then 20% |
Deductible, then 40% |
$150 per visit |
|
| Urgent Care Center | $40 per visit | Deductible, then 40% | Deductible, then 20% | Deductible, then 40% | $40 per visit |
|
Labs and X-rays |
Deductible, then 20% |
Deductible, then 40% |
Deductible, then 20% |
Deductible, then 40% |
No Charge |
2026 Costs
| 2026 Bi-weekly Rates | ||||
| Salary Bands |
Band 1:
< $80,000 |
Band 2:
< $150,000 |
Band 3:
> $150,000 |
|
| PPO | Employee | $ 115.33 | $121.63 | $129.26 |
| Employee + Spouse | $314.64 | $331.82 | $352.63 | |
| Employee + Child(ren) | $284.68 | $300.22 | $319.04 | |
| Family | $ 449.53 | $474.07 | $503.80 | |
| HSA | Employee | $42.76 | $45.09 | $47.92 |
| Employee + Spouse | $128.63 | $135.65 | $144.16 | |
| Employee + Child(ren) | $117.12 | $123.52 | $131.26 | |
| Family | $184.01 | $194.05 | $206.22 | |
| HMO | Employee | $72.21 | $76.15 | $80.93 |
| Employee + Spouse | $192.44 | $202.95 | $215.68 | |
| Employee + Child(ren) | $174.12 | $183.62 | $195.14 | |
| Family | $275.48 | $290.52 | $308.74 | |
CareFirst BCBS
Transparency in Coverage
This link leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed- amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
To view CareFirst’s machine readable file link, click here.
Eligibility Information
As a full-time employee, 30+ hours per week, you, your spouse, and dependent children up to age 26 are eligible for Medical, Dental, and Vision insurance benefits. Coverage begins the first day of the following month after your hire date.
Employees must enroll in benefits before the end of their 31st calendar day of employment, otherwise they are not eligible and will have to wait until annual Open Enrollment. Enroll through your Workday account.
Changes During the Year
Generally, you can only change your benefit elections during the annual benefits Open Enrollment period. An exception is made for any Qualified Life Event (QLE), such as marriage, divorce, birth, or adoption.
You must notify Human Resources within 31 days of any QLE to make changes. Otherwise, you will have to wait until the next enrollment period. Any changes you make to your benefit choices must be directly related to the Life Event. You must enclose documentation of the event and the documentation must show the date of the event (example: a marriage license or birth certificate). Do this through your Workday account.
When Coverage Ends
Medical plan benefits end at the last day of the month following your last day worked. However, you may be able to purchase continued medical and dental, on an individual basis, for a period of time under a federal law known as the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA).
Find a Doctor, Contact and Plan Information
Access CareFirst to find doctors, manage your health plan and access health and wellness resources.
| BluePreferred PPO/HD | (800) 321-3497 | www.member.carefirst.com |
| CareFirst BlueChoice HMO | (866) 520-6099 | www.member.carefirst.com |
| CareFirst Health Plan | (877) 691-5856 | www.carefirst.com/marymount |
