The CareFirst portfolio includes BlueChoice, the new generation of health care and the first truly regional HMO that integrates health care resources in Maryland and the Washington, D.C. area. Other products offered range from traditional fee-for-service health care insurance to fully managed care. With optional features and services, these plans can be enhanced and tailored to meet specific personal, medical and financial needs of individuals and employers.

Point-of-Service plans can be structured to combine the advantages of traditional indemnity insurance in a managed care setting. Preferred Provider Organizations are available that offer members the flexibility of selecting a preferred physician or hospital while still containing care costs. The HMOs and managed care products of CareFirst and its affiliates consistently score high in annual ratingsby independent evaluation groups, state agencies and national publications.

The BlueCard^® offered by CareFirst assures members when traveling that health care is available from the nearest physician or hospital participating in the Blue Cross and Blue Shield plan – just as it would be when at home. Options, CareFirst’s discount program for alternative medicine, offers savings to members for such services as acupuncture, massage therapy, chiropractic care, laser vision correction, hearing aids, eldercare management and mail-order contact lenses.