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When care is received inside the CareFirst service area members will experience the lowest out of pocket costs when they visit a BlueChoice provider. Members still have the option to access a BlueCard PPO doctor, but will be subject to higher out of pocket expenses. Members receiving care outside the CareFirst Service area will experience the lowest out of pocket costs by accessing a national BlueCard PPO provider. Members will still have the option to opt-out of this network at a higher out of pocket expense.

You can fill prescriptions at the more than 68, network pharmacies including independent and chain locations, or at a convenient CVS retail locations. Need help resolving a claim or billing issue? Health Advocate is there to help. No CareFirst Card? Finding a doctor The BlueChoice network is a local network of providers.

Explore our Insurance Basics page. A new patient-centric, virtual-first primary care practice. Compassionate care for over conditions through an easy-to-use app.

CloseKnit's care teams offer preventive and urgent care, behavioral and mental health, chronic condition prevention, medication management and more. Learn More. We're on a mission to make quality care affordable, easy to use and available to everyone in Maryland, Washington, D. Learn about who we are and who we advocate for. Discover how we're investing in the health of our communities. Learn how we're working to transform healthcare.

Our online resources, tools and support make doing business with CareFirst easy, so you can focus on patient care. 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.

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Preventative care can give you and your family the option to save more and opens up more choices about what you want to do now and in the future. Having preventive care in your health insurance plan gives you a running start on living the lifestyle you want. It may include:. Preventive care can preempt spending on medical care and services, by strengthening your body against preventable conditions, diseases, or possible complications. By leveraging preventive care, you give yourself more freedom to live how you want to.

Preventive care helps you know your state of health, so medical professionals can advise you how best to choose the lifestyle you want. Doctors can perform appropriate screenings for your life stage, help you manage short-term health challenges, and advise you on how to protect yourself against preventable diseases. Medical benefits may cover other tests and screenings that may be recommended by your doctor or health professional.

Our preventive service guidelines can help you decide with your doctor what the right health screenings are for you and your family. If your health insurance plan covers both your preventive care and medical benefits, you can be advised to take tests and screenings that fall under your medical benefits instead of preventive care. If you are being treated for an existing condition or are presenting symptoms of an illness when you visit, tests and check-ups may fall under medical benefits.

These tests or treatments may be subject to deductibles , copays, or coinsurance. Kelly, age 45, sees her doctor for a routine office visit. A network is a group of doctors and healthcare providers across multiple specialties that insurance companies build to help save you money.

When a doctor, hospital or other healthcare provider joins a health insurance company's network, they agree to take a lower amount for their care. Doctors and providers in a health insurance network are called in-network providers or participating providers.

To see if a doctor, specialist, hospital, and other healthcare provider is part of a health insurance's network, you can:. To keep your healthcare costs to a minimum, you'll need to know if a provider is in or out of network before you visit them.

Do not wait until after your appointment or after you receive your explanation of benefits EOB to find out. Also, if you have certain doctors, specialists, hospitals or urgent care centers you like to use, you'll want to make sure they're part of a health plan's network before you purchase or use it.

In addition, understanding what type of plan you have can help you choose which doctors and providers to see to get the best value for your money.

However, if your health plan covers out-of-network care, staying in-network can still reduce the amount you pay for healthcare. Skip Navigation. Login Register.