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.
|
Blue Choice |
|
Blue Preferred |
|
|
HMO |
High Deductible PPO |
Low PPO |
High PPO |
Employee |
$75.66 |
$46.78 |
$101.23 |
$115.02 |
Employee +1 |
$198.62 |
$122.88 |
$265.83 |
$302.08 |
Family |
$273.04 |
$168.93 |
$365.44 |
$415.29 |
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.