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If you go outside the BlueChoice network, your medical services will not be covered except for emergency services. Our POS plans offer more flexibility. These plans combine the benefits of an HMO with access to out-of-network providers. You can see providers in the BlueChoice network for the most savings or use the PPO network and pay slightly more but still be protected from balance billing.

You can also visit a provider outside of CareFirst's networks, but you'll likely pay charges that exceed CareFirst's allowed benefit. You can receive care from the PPO network of more than 55, providers locally and hundreds of thousands nationally. In addition, you can go out-of-network and pay slightly more. Understanding plans. Usually the least expensive choice. Your PCP and providers handle the paperwork.

Very limited coverage out of the HMO's service area. Seeing an out-of-network provider usually means you will pay the entire cost. BlueChoice HMO. Point of Service POS. Includes benefits of an HMO and access to out-of-network providers. When you use your PCP to coordinate care, you'll pay the lowest cost and they'll handle the paperwork. Copayments for in-network services are known in advance. Deductibles may apply in some plans. Using out-of-network providers will cost you more. Coverage for out-of-area services will vary; check the plan carefully to understand costs.

Costs will be higher if you see a doctor who does not participate with a Blue Cross and Blue Shield plan. Catastrophic plans, like our BlueChoice HMO Young Adult plan, usually have lower premiums than a comprehensive plan, but have higher deductibles.

The BlueChoice Young Adult plan is available to individuals under the age of 30 at the time of their effective date. Please note, certain individuals age 30 or older may also apply for BlueChoice Young Adult if their policies were cancelled due to non-compliance with the Affordable Care Act or if they quality for a hardship exemption.

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