CareFirst BlueCross BlueShield Advantage Complete (PPO) and Essential (PPO)

Our plans are designed for Medicare-eligible residents of Maryland and Washington, D.C.:

Broad local network with 7,000+ providers
Access to BlueCross BlueShield providers nationwide through BlueCard
Plans starting at $0 a month with no to low member costs

All Medicare benefits covered
Extras include prescription drug coverage, dental, transportation, over-the-counter items, fitness, hearing, vision, acupuncture and more

Ready to Enroll?

The chart will give you a sense of what each plan covers. You must continue to pay your Part B premium in addition to the premiums.

CareFirst BlueCross BlueShield Advantage Essential Plan (PPO)

Available in Allegany, Anne Arundel, Calvert, Carroll, Caroline, Cecil, Charles, Dorchester, Frederick, Garrett, Harford, Howard, Kent, Montgomery, Prince George's, Queen Anne's Somerset, St. Mary's, Talbot, Washington, Wicomico and Worcester counties.

Not available in Baltimore City or Baltimore County. Not available in Washington, D.C.

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CareFirst BlueCross BlueShield Advantage Complete Plan (PPO)

Available in Maryland and Washington, D.C.

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Monthly Premium

$42

Maximum Out-of-Pocket

$8,300 / $13,300

$7,300 / $12,300

Medical and Drug Deductible

Primary Care Provider (PCP)

Specialist

$45

$35

Urgent Care

$30

$20

Emergency Care

$110

$100

Inpatient Hospital Care

$350 days 1–5

Lab Services

X-Rays

$25

$20

Physical and Speech Therapy

$15

Dental Coverage

$0 copay for cleanings, oral exams, x-rays and fluoride treatments
Comprehensive dental coverage (frequency and copays may vary)

Routine Eye Exams and Eyewear Coverage

$0 copay for a routine eye exam
$10 copay for eyeglass lenses
Plus allowance for frames and contacts

Hearing Exams and Hearing Aid Coverage

$0 copay for a routine exam and annual fitting
Low to no copay on hearing aids

Fitness

Gym access and online resources for a $0 copay

Transportation

$0 for 10 one-way rides to and from health-related locations

Over-the-Counter

Quarterly benefit towards over-the-counter items like vitamins, first aid kits, incontinence supplies and more

Annual Wellness Exam

$0 copay for an annual wellness exam with your primary care physician

In-Home Health Assessment

$0 copay for personalized care coordination and assistance by offering care that comes to you

Healthy Rewards

Earn $20–$50 on your reloadable healthcare prepaid card for completing specific health activities ($290 annually)

Make sure your doctors and specialists are a part of our network or find a new one.

Find a Doctor Appointment Wait Times

Search for your prescriptions to estimate costs and coverage by plan.

2025 Search Now

(Both plans include Rx coverage, including multiple day supplies and mail order.)

Find a network pharmacy near you.