FAX CAREFIRST APPLICATIONS DIRECT TO 1-877-877-5801 OR 1-410-796-7456
If you have not received an e-mail confirmation of receipt of your application within two business days please refax your application and/or call for status on 1-877-634-1256.
You can also click the link below to apply direct online. Some of our online applicants have received underwriting approval in as little as 30 seconds!
| MARYLAND CareFirst BlueCross BlueShield Health Plans |
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(files include rates, brochure, and application - Husband/Wives, Parent/Child, and Domestic Partners should consider doing plans separately to save money)
BluePreferred MD - PPO plan with in and out of network benefits
(accepted by 42 hospitals and 90,000 doctors in the area). If maternity coverage is NOT needed, the $1,200 deductible HSA is most popular (if maternity is needed do BlueChoice). Fund the HSA account by $100 each month and you'll fund the $1200 deductible over the course of the year. That $100 plus the cost of the plan should put you in a much better position financially than ANY lower deductible plan. The exception is young, 20-something males and teens who should consider the BluePreferred PPO.
Download Blue Preferred PPO HSA Plan (VERY POPULAR)
Download Blue Preferred PPO Plan
Download Blue Preferred Saver Plan
BlueChoice MD - HMO platform. There's no reason to buy the "regular" HMO when the HSA $1200 deductible will save you well in excess of the $100 per month you'll deposit into the HSA account that essentially creates a $0 deductible (click here to read $0 deductible HSA plans blog). This plan requires referrals for specialist visits that the BluePreferred plan above does not require, but can run 15% lower in cost each month).
Download BlueChoice HSA Plan (VERY POPULAR)
Download BlueChoice Saver Plan (POPULAR LOW COST W/COPAYS)
Download BlueChoice Plan
Personal Comp MD Any doctor major medical plan
(Most popular deductibles are the $400, $800, $1000, & $2500 HSA. Also, if applying for more than one person consider doing separate plans to save money -- meaning it's about 15% cheaper for a husband age 38 and a wife age 42 to do there own plans. Same would be true for domestic partners and parent/child.) Downside to the plan is the drug benefit is inferior to the plans listed above.
Download Personal Comp Plan
Download Personal Comp application only
Confused? Just call and we'll help you figure it out -- call 1-877-634-1256.
DISTRICT OF COLUMBIA
CareFirst BlueCross BlueShield Health Plans |
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(files include rates, brochure, and application)
BluePreferred DC - PPO plan with in and out of network benefits
(accepted by 42 hospitals and 90,000 doctors in the area). If maternity coverage is NOT needed, the $1,200 deductible HSA is most popular (if maternity is needed do BlueChoice). Fund the HSA account by $100 each month and you'll fund the $1200 deductible over the course of the year. That $100 plus the cost of the plan should put you in a much better position financially than ANY lower deductible plan. The exception is young, 20-something males and teens who should consider the BluePreferred PPO.
Download BluePreferred HSA Plan
Download BluePreferred PPO Plan
Download BluePreferred Saver Plan
BlueChoice DC - HMO platform. There's no reason to buy the "regular" HMO when the HSA $1200 deductible will save you well in excess of the $100 per month you'll deposit into the HSA account that essentially creates a $0 deductible (click here to read $0 deductible HSA plans blog). This plan requires referrals for specialist visits that the BluePreferred plan above does not require, but can run 15% lower in cost each month).
Download BlueChoice HSA Plan
Download BlueChoice Saver Plan
Download BlueChoice Plan
3) BluePreferred OPEN ENROLLMENT DC - PPO plan with in and out of network benefits - If you've been declined for coverage apply for this plan. (open enrollment may not be available at all times)
Download brochure
Confused? Just call and we'll help you figure it out -- call 1-877-634-1256.
VIRGINIA
CareFirst BlueCross BlueShield Health Plans |
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(files include rates, brochure, and application)
If you live east of Route 123 or within the cities of Fairfax or Vienna, you're in the CareFirst BlueCross BlueShield service area and will want this plan..
BlueChoice VA - HMO platform. There's no reason to buy a "regular" HMO when the HSA $1200 deductible will save you well in excess of the $100 per month you'll deposit into the HSA account that essentially creates a $0 deductible (click here to read $0 deductible HSA plans blog). This plan requires referrals for specialist visits that the BluePreferred plan above does not require, but can run 15% lower in cost each month).
Download BlueChoice HSA
BluePreferred VA - PPO plan with in and out of network benefits
(accepted by 42 hospitals and 90,000 doctors in the area). If maternity coverage is NOT needed, the $1,200 deductible HSA is most popular (if maternity is needed do BlueChoice). Fund the HSA account by $100 each month and you'll fund the $1200 deductible over the course of the year. That $100 plus the cost of the plan should put you in a much better position financially than ANY lower deductible plan. The exception is young, 20-something males and teens who should consider the BluePreferred PPO.
Download BluePreferred PPO Plan
Download BluePreferred HSA Plan
Download BluePreferred Saver Plan
BluePreferred OPEN ENROLLMENT VA - PPO plan with in and out of network benefits If you've been declined for coverage apply for this plan. (open enrollment may not be available at all times)
Download brochure
Confused? Just call and we'll help you figure it out -- call 1-877-634-1256.
VIRGINIA
If you don't live in the service area listed above then you're in the Anthem Blue Cross Blue Shield service area and would want this plan. If you're not sure where you fall exactly feel free to ask OR you can just try to get a quote from Anthem by following the links below and the health quote engine will let you know (if it doesn't give you a rate, you're in the CareFirst BlueCross BlueShield area).
KeyCare - You can now look at all of the offerings from Anthem Blue Cross by following the link below. The dental option with their plan is a good one and we do recommend it with this plan (see note below). As always, call with questions. You quotes, application, and everything else are provide DIRECT from Anthem through this link.
Get rates and apply online
ADDITIONAL INFORMATION - PLEASE READ.
(be patient while downloading you'll see blank screen until done -- we can also fax you the applications if you'd like -- send an E-mail with your fax number and details of what you are requesting -- also make sure you download the correct application -- Maryland if you live in Maryland, DC for DC, etc...)
If you can decide on your own just download the brochure and application above and complete the application. You can fax the application back to 410-796-7456 (or 1-877-877-5801 toll free fax) to get your underwriting process started today. Feel free to apply for two plans and decide which to take later. If you need help sorting it all out our number is 1-877-634-1256. Remember our price is the same as everyone's, so you'll get unbiased, helpful information if you have questions. We also have more plans than any other site, so we can show you alternative plans as well. You will get better service than any other source which includes checking your application to reduce or eliminate processing delays, weekly e-mail notifications of status and ongoing support later on. Nobody else does this for you.
Once you submit your health insurance application, we'll send you a same day confirmation E-mail letting you know that it has been received. We'll also let you know if there is any missing information on your application that will hold up the process. From there, we'll send you periodic E-mails to let you know how your application is progressing. There's nothing more frustrating than not knowing the status of an application whether it's for a loan or for insurance, so we remove this agony - a service you'll only receive from us.
Also, if you apply for the "wrong" plan we'll tell you. Big, online insurers will not do this and their rates are the same as ours.
You'll notice a dental option on these plans, but we recommend checking the Ameritas Dental Insurance available under the dental insurance section of our site OR the Aetna Dental discount plan. The Ameritas plan is the same as what groups offer their employees except for some waiting periods for coverage .
IMPORTANT -- *If you are coming off a group plan or COBRA coverage (after using up all 18 months of coverage) please contact our office immediately. There are special rules to get HIPAA coverage (coverage that can cover pre-existing conditions). Your window of opportunity to get this coverage is not very big and you don't get any second chances if you miss it. We've met too many people who could have obtained affordable coverage, but are now unable due to not knowing about these rules.
Billing Info:
The Personal Comp plan bills quarterly unless put on monthly billing download EasyPay form and return with intial application or mail after approval.
Download brochure
The BlueChoice and BluePreferred plans use a different form to pay automatically. Download that here.
Download brochure
In both cases please continue to pay ALL bills until you receive a confirmation that the debit plan is set up.
Authorized Agent For:
An Independent Licensee of the
Blue Cross and Blue Shield Association.
Serving Maryland, the District of Columbia,
and portions of Virginia.
