CareFirst Plan Information
For over 85 years, CareFirst BlueCross BlueShield provided healthcare coverage for Marylanders, and we’re committed to your care beyond the walls of a doctor’s office. We meet you where you are with tools to help you show up at your best, to do your best. Because when it comes to better health, you shouldn’t have to wait. As the largest healthcare insurer in the Mid-Atlantic region, we work to ensure that healthcare is easy to afford, easy to use and available to everyone. Because we’re building the healthcare experience we want for our families and for our future.
CareFirst. It’s not just our name, it’s our promise.
Carefirst Plan Information
We design our health plans with one thing in mind—you. Our plans give you the freedom to get the care you need, when and where you need it and include:
- The largest network of doctors in the region
- No referrals needed
- Ways to manage your health care expenses
- No charge for many benefits such as in-network adult physicals, well-child exams, immunizations, screenings and more
- Focused support with our Patient-Centered Medical Home (PCMH) program
- Free 24/7 medical advice line at 800-535-9700
- Virtual Care allows members to securely connect with a provider for urgent care services and behavioral health like therapy and psychiatry. To learn more, visit the CareFirst website
To learn more, view or download the CareFirst State of Maryland Employee Benefit Options - PDF - 2.38 MBand watch the following videos on youtube.com to learn more:
Watch the State of Maryland 2026 Plan Year Presentation to learn more about your benefits.
CareFirst’s PPO
You have the freedom to choose your own doctor or specialist, every time you need care.
- Office visits are covered for minimal copay.
- Out-of-Area Coverage: You will receive one of the most widely recognized and accepted health care identification cards in the United States – BlueCard. So now, you can take your health care benefits with you – across the country and around the world. Visit the BlueCard website to get started.
CareFirst EPO
You drive your own health care decisions by enjoying many hassle-free benefits. Members selecting the EPO plan must select their providers from a national network and must stay in-network to receive coverage benefits.
- No out-of-network coverage.
Mental Health Services will be provided through CareFirst BlueCross BlueShield.
- In order to maximize benefits, members should seek services through a participating CareFirst PPO provider. Visit the CareFirst website.
- Inpatient treatment is covered at 100% of allowed benefit. Preauthorization is required through Magellan Health Services.
- Outpatient services are covered at 100% after a $15 copay.
- Adult Vision Care: Benefits for Members 19 Years and Older
- Pediatric Vision Care: Benefits for Members through Age 18
You have access to an expanded network of vision providers through Davis Vision* in addition to the BCBS PPO network. For more information, visit the CareFirst Vision Provider website.
CareFirst Wellbeing is a wellness program designed to help you live a healthier life, reach your wellness goals and earn rewards like $0 PCP copays and reduced specialist copays for completing healthy activities. The State of Maryland is continuing its Wellness Plan in 2027. Any activities that were completed in 2026 will carry over to 2027.
Three rewards you can earn:
- Free PCP visits
- $5 reduction to your specialist copay for wellness screenings
- $5 reduction to your specialist copay for vision exams
Wellness Discount Program
As CareFirst members, you will also receive access to our Wellness Discount Program, which provides you with discounts on alternative therapies such as acupuncture, chiropractic services, yoga and more. For more information visit the CareFirst website .
- Customer Service: Need Help? Phone and online services are available. Call 800-225-0131 for dedicated customer service.
- 24/7 Nurse Line: 800-535-9700 for advice anytime
- Virtual Care: See a doctor anytime.
- For more information visit the CareFirst State of MD website.
Member Tools
CareFirst Find a Doctor website
Search to see if your provider is in the network or to find a provider.
CareFirst MyAccount website
Your place for customized plan information. If you haven’t registered for My Account, get started today.