All eligible retirees:

Medical Insurance, Prescription Coverage & Vision Coverage are bundled together.   Plans provided through CareFirst.

•  CareFirst BlueChoice HMO Open Access Plan
  • With the BlueChoice HMO, your primary care provider (PCP) provides routine care and coordinates specialty care.  This plan allows also allows one to visit specialists directly - no referrals needed.
    • Some highlights include:
      • Network of 40,000 CareFirst BlueChoice providers
      • After-hours care (24-hr nurse advice line, video visits, urgent care centers, etc.)
      • $0 cost for comprehensive preventative health
      • Away from Home Care Program - access to benefits when out of area for at least 90 days* (set up by contacting CareFirst)
      • Emergency or Urgent Care Coverage when outside CareFirst BlueCross BlueSheild's service area (Maryland, Washington, D.C. and Northern Virginia)

• CareFirst BlueChoice Advantage

  •  BlueChoice Advantage offers in- and out-of-network coverage to help control out-of-pocket costs.  With this plan, there is no referral required to see a specialist
  • Some highlights include:
  • • $0 cost for comprehensive preventative health care visits
    • Flexibility to choose any provider you want
    • Choose from CareFirst PPO provider, specialists, and hospitals in Maryland, Washington, D.C. and Northern Virginia
    • If out of the CareFirst local service area, you have access to providers in all 50-states 

• CareFirst Standard Over 65 with Major Medical
  • With Medicare as primary, the Standard Over 65 plan provides additional health insurance coverage.  It pays a portion of the difference that Medicare does not pay.
  • Retirees pay less when using providers that participate with Medicare
  • Covers inpatient Medicare deductible and coinsurance
  • Covers costs associated with emergency care, outpatient surgery and diagnostic services

Prescription Coverage is offered through CareFirst with CVS/CareMark

• Through the prescription program you have access to more than 69,000 participating pharmacies, 5,000 covered drugs through CareFirst Formulary 2, and a mail-order pharmacy program.

• The 3-Tier copayment structure:
  • $5.00 for Generics
  • $25.00 for Brand Name Preferred Medications
  • $50.00 for Brand Name Non-Preferred Medications
    • Non-Preferred Brand Name Medications have a Generic (more cost-effective) equivalent available.  Preferred Brand Name Medications do not.

•  Maintenance medications purchased as a 90-day supply through mail-order, or at CVS pharmacies will only pay 2 co-payments rather than 3 co-payments.

Vision Coverage is offered through CareFirst's BlueVision Plus Plan with Davis Vision 

• The CareFirst BlueVision Plus program provides coverage for routine eye exams and preventive care, plus the freedom of choice to select any licensed vision care provider in the U.S.
  • Some of the highlights include:
    • Complete freedom to choose any ophthalmologist, optometrist or optician.
    • No claims to file if using a participating provider.
    • Coverage for comprehensive vision exams.
    • Coverage for lenses and frames or contacts

Dental - CareFirst PPO and Delta Dental PPO

• Retirees can choose from CareFirst or Delta Dental options. Both plans cover comprehensive preventative coverage to include regular cleanings, x-rays, and dental surgery.   
  • Some plan highlights include:
    • $2,000 plan year max for each individual covered
    • $2,000 lifetime benefit for orthodontia for adults and covered children
    • Access to participating dentists throughout the US
    • Preventative exams, cleanings, and Fluoride every 4 months

• Retiree Rates for Retiree
• CareFirst BlueChoice HMO Open Access Summary of Benefits and Coverage
• CareFirst BlueChoice Advantage Summary of Benefits and Coverage
• CareFirst Standard Over 65 with Major Medical Summary of Benefits and Coverage
• CareFirst Dental Summary of Benefits
• Delta Dental Summary of Benefits
• CareFirst Formulary #2
• CareFirst Restricted Generics Program
• CareFirst Booklet with Health Benefit Options for Active Employees/Retirees Under 65
• CareFirst Booklet with Health Benefit Options for Retirees 65+
• Required Health Notifications