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Plan Highlights:
CareFirst BlueCross BlueShield's Point of Service (POS) is offered to all active State of Maryland employees as well as all retirees, with or without Medicare.
The POS plan allows you the flexibility to select any doctor you wish. When you enroll, you must select a primary care physician (PCP) within our regional network (Maryland, DC, northern Virginia). Then, when you need medical care, you can choose to see your PCP or you can go "out-of-network" to see any doctor you choose. When you see your PCP, you save money by paying fewer out-of-pocket costs.
POS offers:
- Each family member must select a primary care physician. Each member will receive an individual ID card identifying the PCP he or she selected.
- Two levels of benefits in one health plan. At the time you need care, you can visit your PCP or go "out-of-network" and visit any doctor you wish.
- Referrals required for specialists or specialty care.
- Office visits, maternity care, well-baby visits, routine physicals and GYN exams are covered - for a minimal copay when care is provided by your PCP or a referred specialist.
- Vision coverage included with medical benefits.
- Women's health coverage such as PAP tests and mammograms; and men's health coverage including routine prostate screenings.
- No paper work for you. If you receive care from an POS doctor, he or she will submit claims directly to us.
- Out-of-Area Coverage is subject to "out-of-network" deductibles and coinsurance.
- Advice Line - A 24-hour nurse-line, called FirstHelp, when all you need is a little advice.
- Options Discount Program - As a BlueChoice member, you will also receive access to our Options Discount Program, which provides you with discounts alternative therapies such as acupuncture, chiropractic services, yoga and much more.
- Lifetime maximum - $2 million.
Select a Primary Care Physician (PCP)
When you enroll in POS, you must select a PCP or your claims may be denied. Selecting a PCP is easy, just follow these steps:
- Find a Doctor online
- Inform CareFirst of your selection by:
- Calling Member Services at 410-581-0021 or 1-800-203-2763
or
- Downloading, completing and returning the PCP Selection Form (34KB, 2 pgs.)
Vision Benefits
- $45 allowance on frames
- $45 allowance on exam
- Set fee allowance for lenses and contacts
- Member balance billed at time of service
Benefit Highlights and Enrollment Booklet (July 1, 2009-June 30, 2010)
State of Maryland Health Care Options Booklet (1 MB, 20 pgs.)
State of Maryland Vision Chart (453 KB, 1 pg.)
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