Medical Plans

Marymount University offers full-time, regular employees optional health insurance coverage under CareFirst BlueCross BlueShield with four different plans:

• CareFirst Blue Choice HMO (Option 11)
• Blue Preferred (Option 11) Low PPO
• Blue Preferred (Option 1) High PPO
• Blue Consumer Directed Health Plan

Both the employee and the University contribute to these plans.

Employee Contribution Rates for 2018

Rates are bi-weekly and will be deducted from 26 pay periods.

CareFirst Blue Choice Health Maintenance Organization (HMO)

CareFirst Blue Choice HMO offers access to quality health care from a broad network of participating physicians.

Plan Summaries

CareFirst Blue Choice Option 11 – HMO
Prescription Drug Program

How It Works

During enrollment, members choose a Primary Care Physician (PCP) who provides routine care, and coordinates care in providing referrals to in-network specialists and facilities.

During an emergency or urgent care situation, members may receive approval to use out-of-network services.

Advantages of HMOs

Low out-of-pocket cost:

There are no deductibles in an HMO. The HMO members are only responsible for the corresponding co-payments for all covered services.

Focus on wellness and preventative care:

HMOs encourage members to seek medical treatment early, before health problems become severe.

No lifetime maximum payout:

Unlike most health insurance plans, the HMO plan does not place a limit on your lifetime benefits. Your treatments will continue to be covered as long as you are a member.

Blue Preferred Low and High Participating Provider Organization (PPO)

CareFirst Blue Preferred offers choice and convenience, including access to a broad national provider network, and a wide range of health care choices.

Plan Summaries

Blue Preferred Option 11 – Low PPO
Blue Preferred Option 1 – High PPO
Prescription Drug Program
High Deductible PPO
High Deductible Prescription Drug Program

How It Works

Members have the option to choose a Primary Care Physician (PCP) to serve as their personal physician and to help coordinate their health needs.

No referrals are necessary to see specialists in the network. Members just choose a participating specialist and make an appointment.

Members have the option to see any licensed physician either in or outside the Blue Preferred network – though costs tend to be lower when care is received from a provider in the Blue Preferred network.

Emergency care is covered 24 hours a day, no matter where the member receives service.

You can use the CareFirst web system, My Account, to access your claims, a plan description for your specific plan and you can request member ID cards.

Please visit CareFirst BlueCross BlueShield for more information.