Health care within the regional market served by CareFirst is widely recognized as the best that modern medicine has to offer. In 1998, two strong Blue Cross and Blue Shield plans combined their collective experience and professional skills to keep this world-class health care team - physicians, hospitals, pharmacists, administrators and an array of other medical specialists - pulling together on behalf of CareFirst members. CareFirst offers a broad range of managed care plans, point-of-service products and traditional indemnity options to both groups and individuals. Other components within the CareFirst structure include Willse & Associates, Inc. and National Capital Administrative Services, Inc, offering third party health care administrative services for self-insured accounts, and the National Capital Insurance Agency, Inc., an independent life insurance company.