Carefirst Blue Shield is the largest health care insurance company in the Mid Atlantic U.S. region. Carefirst Blue Shield has over 6,000 employees located in various parts of the U.S. and has over 3.3 million clients. Ten years ago, Carefirst Blue Shield entered an alliance with Blue Cross Blue Shield of Delaware, leading to the expansion of the company. In 2001 Carefirst Blue Shield had announced its conversion from a for profit status, to become a not-for-profit company.

What does Carefirst Blue Shield Offer?

This insurance firm provides many wide-ranging high deductible health care plans that are well-suited with a Health Savings Account (HSA). Many people choose the Blue Preferred HSA plan because it comes with many options. You can choose which deductible amount and coverage is the best one for you and your family. Please note that the higher your deductible, the lower your monthly premium fee will be.

If you are using a provider that is within the network, you will pay nothing for the child's preventive services and cancer tests such as PAP and mammogram tests. Office visits will cost a fee of 25 dollars while emergency care visits will only cost 50 dollars. For other health services such as diagnostic tests, physical therapy, surgery, and hospitalization you will have to pay a coinsurance percentage after the deductible is met. If you select the 100 percent plan, Carefirst Blue Shield will pay for the covered expenses once all your deductible has been reached.

People who need glasses and contacts can use the Carefirst Blue Shield vision services and get prescription drug benefits with a 100 dollar deductible and 10 dollar generic co-pay. You could also use the vision services to get a 45 dollar non-preferred brand and 25 dollar preferred brand copayment.

Other beneficial Carefirst Blue Shield plans may include the Prescription Drug Card Program. This 3-tier program provides coverage for maintenance and non-maintenance prescription drugs at your local pharmacy shop. Carefirst Blue Shield works with over 59,000 pharmacies throughout the United States. Another popular option that many clients add on is the Carefirst Blue Shield dental plan. You can choose what you want covered, such as braces, fillings, cleanings and x-rays.

Maternity and Prenatal coverage is yet another policy that many people in the mid Atlantic region of the US are taking advantage of. If you would like this plan, it will cost you about 126 dollars per month to add it to your premium health policy.