Through its affiliates, CareFirst is one of the leading health care companies in the Mid-Atlantic region. The Maryland Health Care Access and Cost Commission reported that the company's three HMOs - CapitalCare, Delmarva Health Plan and FreeState Health Plan - all scored significantly above average last year for providing member services. Routine preventive care offered by CareFirst HMOs includes childhood immunizations, breast cancer screening, post-natal check-ups and beta blocker treatments following heart attack. Independent surveys by U.S. News & World Reportand Newsweek consistently rank CareFirst's HMOs among the best in the nation. This record of excellence in health care delivery was achieved within a framework of overall corporate efficiency - administrative costs as a percent of revenue declined last year, remaining under 10 percent, even while our associates established new high standards for customer service.


* Federal Employee Plan Director's Office's Plan
Incentive Program measures how well we did in
claims processing, customer service and satisfaction,
and administrative efficiency.

** National Management Information System benchmarks
set by the Blue Cross and Blue Shield Association
measure how we did on such things as claims, inquiries
and enrollment timeliness and accuracy. (Maryland only)