Marymount University offers full-time, regular employees optional health insurance coverage under CareFirst BlueCross BlueShield with three different plans:
- CareFirst Blue Choice Advantage HMO
- Blue Choice Advantage High PPO
- Blue Choice Advantage HSA – Consumer Directed (High Deductible) PPO
Both the employee and the University contribute to these plans.
Employee Contribution Rates for 2022
Rates are bi-weekly and will be deducted from 26 pay periods.
CareFirst Blue Choice Advantage Health Maintenance Organization (HMO)
CareFirst Blue Choice Advantage HMO offers access to quality health care from a broad network of participating physicians.
How It Works
During enrollment, members choose a Primary Care Physician (PCP) who provides routine care, and coordinates care in providing referrals to in-network specialists and facilities.
During an emergency or urgent care situation, members may receive approval to use out-of-network services.
Advantages of HMOs
Low out-of-pocket cost:
There are no deductibles in an HMO. The HMO members are only responsible for the corresponding co-payments for all covered services.
Focus on wellness and preventative care:
HMOs encourage members to seek medical treatment early before health problems become severe.
No lifetime maximum payout:
Unlike most health insurance plans, the HMO plan does not place a limit on your lifetime benefits. Your treatments will continue to be covered as long as you are a member.
Blue Choice Advantage – HSA and High PPO
CareFirst Blue Choice Advantage offers choice and convenience, including access to a broad national provider network, and a wide range of health care choices.
How It Works
Members have the option to choose a Primary Care Physician (PCP) to serve as their personal physician and to help coordinate their health needs.
No referrals are necessary to see specialists in the network. Members just choose a participating specialist and make an appointment.
Members have the option to see any licensed physician either in or outside the Blue Choice Advantage network – though costs tend to be lower when care is received from a provider in the Blue Choice network.
Emergency care is covered 24 hours a day, no matter where the member receives service.
Please contact firstname.lastname@example.org for more information.