National plans
Preferred Provider Organization (PPO) and BlueChoice Advantage (POS)
CareFirst’s national PPO plans offer the most choice. You can receive care from our large, local PPO network as well as the national
BlueCard PPO network. When you use BlueCard you can get in-network benefits and access to more than 95% of all physicians in the country.
With our flexible national BlueChoice Advantage (POS) plans, your cost depends on which network you choose to receive services. BlueChoice Advantage plans allow members to see providers in the HMO network, PPO network and outside of our network (where you will likely pay charges that exceed CareFirst’s allowed benefit). If you’re enrolled in a CareFirst Virtual Connect Plus plan (applicable to all D.C. plans except Essential plans), you also have the convenience of 24/7 primary care, urgent care or mental health services virtually through your computer or your CloseKnit mobile app and select in-person locations and providers. In-person locations are available through Comprehensive Primary Care (multiple locations in D.C. and surrounding regions in Maryland and Northern Virginia) as well as CloseKnit's in-person practice at the CareFirst Engagement Center in Baltimore.
All our national plans include Blue Rewards, in-network benefits for out-of-area access, Blue Cross Blue Shield Global Core and Care Management programs. As a CareFirst member, don’t forget that you also receive free benefits like premier health and wellness deals from leading national and local retailers through our Blue365 Wellness Discount Program, including gym memberships. See your contract for more information.
2025 National Plans
Plan Name |
2025 Benefit Summaries |
2025 Contracts |
|---|---|---|
| BluePreferred PPO Essential Gold 500 | Benefit Summary (PDF) | Benefit Book (PDF) |
BluePreferred PPO Gold 800 Ded  |
Benefit Summary (PDF) | Benefit Book (PDF) |
| BluePreferred PPO Gold 1000 Ded |
Benefit Summary (PDF) | Benefit Book (PDF) |
| BluePreferred PPO Gold 1200 Ded NEW | Benefit Summary (PDF) | Benefit Book (PDF) |
| BluePreferred PPO Gold 1500 Ded | Benefit Summary (PDF) | Benefit Book (PDF) |
| BlueChoice Advantage Gold 0 Ded | Benefit Summary (PDF) | Benefit Book (PDF) |
| BlueChoice Advantage Gold 800 Ded | Benefit Summary (PDF) | Benefit Book (PDF) |
| BlueChoice Advantage Gold 1000 Ded |
Benefit Summary (PDF) | Benefit Book (PDF) |
| BlueChoice Advantage HSA/HRA Gold 1700 Ded | Benefit Summary (PDF) | Benefit Book (PDF) |
| BlueChoice Advantage Gold 3000 Ded | Benefit Summary (PDF) | Benefit Book (PDF) |
2024 National Plans
Plan Name |
2024 Benefit Summaries |
2024 Benefit Books |
|---|---|---|
| BluePreferred PPO Standard Gold 500 | Benefit Summary (PDF) | Benefit Book (PDF) |
| BluePreferred PPO Gold 800 Ded |
Benefit Summary (PDF) | Benefit Book (PDF) |
| BluePreferred PPO Gold 1000 Ded | Benefit Summary (PDF) | Benefit Book (PDF) |
| BluePreferred PPO Gold 1500 Ded | Benefit Summary (PDF) | Benefit Book (PDF) |
| BlueChoice Advantage Gold 0 Ded | Benefit Summary (PDF) | Benefit Book (PDF) |
| BlueChoice Advantage Gold 800 Ded |
Benefit Summary (PDF) | Benefit Book (PDF) |
| BlueChoice Advantage Gold 1000 Ded |
Benefit Summary (PDF) | Benefit Book (PDF) |
| BlueChoice Advantage HSA/HRA Gold 1600 Ded | Benefit Summary (PDF) | Benefit Book (PDF) |
| BlueChoice Advantage Gold 3000 Ded Virtual Connect | Benefit Summary (PDF) | Benefit Book (PDF) |
CloseKnit is a registered trademark owned by, and is the trade name of, Atlas Health, LLC. Neither CloseKnit nor Comprehensive Primary Care provide Blue Cross Blue Shield products or services and are providing in person and telehealth services to CareFirst members. Atlas Health, LLC and Comprehensive Primary Care LLC are corporate affiliates within the CareFirst, Inc. corporate umbrella of companies.