CareFirst, Inc. is a holding company chartered in the State of Maryland to operate not-for-profit through three wholly-owned affiliates. The affiliates are: CareFirst of Maryland, Inc. and Group Hospitalization and Medical Services, Inc., doing business as CareFirst BlueCross BlueShield, and BCBSD, Inc., doing business as Blue Cross Blue Shield of Delaware. For more than 65 years, CareFirst affiliates have provided health insurance and related health care services and products throughout the Mid-Atlantic region, including Maryland, Delaware, Washington, D.C. and Northern Virginia. The combined resources of CareFirst and its affiliates offer a seamless network of skilled health care professionals and a broad choice of health care plans to more than 3.2 million members. A trusted and respected corporate citizen throughout its service area, CareFirst has 6,500 associates in 35 office sites in five states and the District of Columbia. The financial reserves of CareFirst at year-end 2002 totaled nearly $900 million as determined under generally accepted accounting practices.

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