Standard BlueChoice Option

Standard BlueChoice has no deductible and gives you the benefit of no out-of-pocket costs for select services while still offering you choices on where and how you get care. With the Standard BlueChoice plan, you will have both in-network and out-of-network coverage. Choose any provider without referrals from a network of 50,000 CareFirst BlueChoice providers in Maryland, Washington D.C., and Northern Virginia.

When you need care, select a provider in the CareFirst BlueChoice network to receive in-network coverage and pay the lowest out-of-pocket costs. If receiving care outside of the BlueChoice network, your benefits will be paid at the out-of-network level, but you’ll incur lower costs by using a participating national BlueCard PPO provider which allows you to have access to hundreds of thousands of providers in all 50 states. Additionally, Standard BlueChoice offers you urgent and emergency coverage while traveling worldwide.

You can find out more about Blue Rewards and how much you can earn by reviewing the important information on this page.

For a more complete summary of your benefits, please see your 2025 Plan Information Booklet (PDF).