CareFirst Washington DC BlueChoice HMO $20/30 Co-pay
CareFirst Blue Cross / Blue Shield's most comprehensive, lowest deductible plan is BlueChoice HMO. These plans all have a $0 deductible, low co-payments for covered services, and no charge for preventative care. There are three different plans - the $20/30 co-pay plan, $15/25 plan, and $10/20 plan. The BlueChoice plan includes coverage for maternity benefits with no waiting period if you elect to add the maternity rider. Benefits for the BlueChoice HMO $20/30 co-pay plan in Washington DC are as follows:
Deductible - $0
Co-insurance – None
Annual out of pocket limit - $3,600 for individuals, $7,200 for individual + child(ren), $7,200 for individual + spouse, $11,000 for families
Lifetime Maximum – Unlimited
Office visits – $20 for primary care physician, $30 for specialists
Physical, Occupational, and Speech Therapy – $20 primary care, $30 specialist (up to 30 visits per year)
Preventative care – No charge
Prescriptions – $150 annual deductible, then $10 co-pay for Tier 1 (generics), $25 co-pay for Tier 2 (preferred brand name), $40 for Tier 3 (non-preferred brand name).
Emergency Room - $50 co-pay (waived if admitted). $30 co-pay for affiliated urgent care facilities.
Outpatient Lab/X-ray – No charge
Outpatient Surgery – $50 facility co-pay plus office visit co-pay if applicable
Hospitalization - $700 co-pay per admission. No charge for medical and surgical services or inpatient prescription drugs.
Maternity office visits (if maternity rider added) – Primary care $20 per visit (up to $200 per pregnancy), specialist $30 per visit (up to $300 per pregnancy). $30 per visit to birthing center.
Maternity hospital stay (labor & delivery, if maternity rider added) – $700 co-pay per admission. No charge for delivery or nursing care.
Health Insurance Help:
- Virginia Health Insurance Overview
- Anthem Blue Cross Blue Shield
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- Humana One
- United Health One
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- Guaranteed Issue Health Insurance
- Health Insurance for Children
- Health Savings Accounts - HSA Plans
- HIPAA Conversion Insurance Plans
- Maternity Health Insurance
- Short Term Health Insurance
- Supplemental Accident Coverage