Federal Employees Health Benefits Program 2019 - See page 2 for details about what is new in 2019 - CareFirst
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Federal Employees Health
Benefits Program 2019
See page 2 for details about
what is new in 2019. carefirst.com/fedhmo
Table of Contents
Why CareFirst? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 I’m a Member
What’s New in 2019 . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Member Services . . . . . . . . . . . . . . . . . . . . . . . . . . . 36
Before You Decide Take the Call . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37
How Health Insurance Works . . . . . . . . . . . . . . . . . . . 6 Important Numbers and Contact Information . . . 38
Know before you go . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 HealthyBlue Advantage HDHP Option
HSA/HRA Selection Form . . . . . . . . . . . . . . . . . . . . . 39
Patient-Centered Medical Home . . . . . . . . . . . . . . . . 9
Notice of Nondiscrimination and Availability of
Plan Overview and Benefits Comparison Language Assistance Services . . . . . . . . . . . . . . . . 41
HealthyBlue—Standard Option . . . . . . . . . . . . . . . 12 2019 Rate Information for
CareFirst BlueChoice, Inc. . . . . . . . . . . . . . back cover
HDHPs and HSAs/HRAs . . . . . . . . . . . . . . . . . . . . . . 17
HealthyBlue Advantage—HDHP Option . . . . . . . . 18
In-Network Benefit Comparison . . . . . . . . . . . . . . . 22
In-Network Pharmacy Benefit Comparison . . . . . 24
With Every Plan
Health & Wellness . . . . . . . . . . . . . . . . . . . . . . . . . . 26
Blue Rewards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
BlueVision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30
Discount Dental Coverage . . . . . . . . . . . . . . . . . . . . 31
Behavioral health and addiction support . . . . . . . 32
CareFirst Video Visit . . . . . . . . . . . . . . . . . . . . . . . . . 33
Global Core . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
The information in this booklet is a summary of the benefits available under the CareFirst BlueChoice plan. For more detailed information
please access the 2019 BlueChoice Brochure (RI 73-718) on our website at carefirst.com/fedhmo.Why CareFirst?
CareFirst BlueChoice delivers differentiated health care to meet the unique needs of our
communities. We have built powerful relationships with more members, employers, providers
and partners in local communities across the country—and around the globe.
As a federal employee, you have the option to Free access to preventive care
select from two comprehensive medical and
As you review the details of each plan, keep in
prescription drug plan options. Rest assured both mind that all CareFirst BlueChoice, Inc. plans
options will provide you with the benefits of free feature no charge, no deductible, in-network
preventive care, no out-of-pocket costs for select benefits for the following:
services and choices on where and how you get
care. Regardless of the plan you choose, you will ■■ Adult physicals
have access to on-line tools and resources that give ■■ Well-child exams and immunizations
you the flexibility and information you need to get ■■ OB/GYN visits
the most out of your plan and manage your health
■■ Cancer screenings, including mammograms,
care and wellness goals wherever you are.
pap tests, prostate and colorectal screenings.
Delivering the best local health care, ■■ Preventive maternity services such as
nationwide prenatal visits, diagnostic and lab services.
■■ Most recognized and trusted brand—one in
three Americans choose Blue Highest member
■■ Unmatched provider access—97 percent of satisfaction ratings
claims paid in-network—more than any other CareFirst ranks best in class for
carrier member satisfaction* in these key categories:
■■ Putting primary care providers (PCPs) at
■■ Overall satisfaction
the center of care—through resources and
incentives, CareFirst BlueChoice is supporting
■■ Likelihood to recommend
the relationship between you and your doctor ■■ rovide best coverage for you and
P
your family
■■ We have a vast network of more than 40,000
providers in our service area (Washington DC,
■■ Overall good reputation
Maryland and Northern Virginia ■■ etworks include the doctors you
N
want to see
■■ More than 69,000 participating pharmacies
are available nationwide * Results based on a survey of 2,638 health plan members,
conducted by Mathew Greenwald & Associates, Inc.
between January 1, 2017 and September 30, 2017.
Know you are covered with great
benefits
■■ No hidden costs—we believe so strongly in
the value of our model, it is core to our fees
No referrals required in either
■■ Mail Service Pharmacy is a convenient and CareFirst plan.
fast home delivery service.
■■ Free 24/7 nurse advice line
carefirst.com/fedhmo Federal Employees Health Benefits Program ■ 2019 Health Benefit Options ■ 1What’s New in 2019
Changes to High Option Open
Access, Standard HealthyBlue and
HealthyBlue Advantage HDHP
■■ High Option Open Access—This product will
not be offered for the 2019 contract year.
■■ Standard HealthyBlue— Your share of the
non-Postal premium will increase for Self
Only; increase for Self Plus One; and increase
for Self and Family. See back cover.
■■ HealthyBlue Advantage—Your share of
the non-Postal premium will decrease for
Self Only; decrease for Self Plus One; and
decrease for Self and Family. See back cover.
Changes to Standard HealthyBlue
■■ Prescription drugs: This Plan will add a $100
deductible for pharmacy for the Standard Please see the 2019 BlueChoice Brochure for
Option. Generic medications will not be additional information about benefit changes
for 2019.
subject to the deductible
■■ Prescription drugs: This Plan will decrease
the copay for Tier 4 preferred specialty drugs ■■ Orthopedic and prosthetic devices: Will
from $150 to $100 for 34-day supply and be subject to 25% coinsurance after the
$200 for a 90-day supply deductible per device in-network and 50%
■■ X-ray/other diagnostic services: In an office/ coinsurance after the deductible per device
freestanding setting will have a $40 copay in- out-of-network
network and $40 copay after the deductible ■■ Sleep studies: In an office/freestanding
out-of-network setting will no longer be subject to the
■■ X-ray/other diagnostic services: In an deductible in-network and will have a $50
outpatient hospital setting will be subject to copay for services provided in the home
20% coinsurance after the deductible out-of- setting after the deductible
network ■■ Infusion services: In an office/freestanding
■■ Specialty imaging: In an office/freestanding setting will no longer be subject to the
setting will have a $60 copay in-network deductible in-network and will have a $200
and $60 copay after the deductible out-of- copay for services provided in an outpatient
network hospital setting after the deductible
■■ Specialty imaging: In an outpatient hospital ■■ Mental health services: In an outpatient
setting will have a $60 copay after the hospital setting will be subject to a $50 copay
deductible in-network and subject to 20% ■■ Ambulance services: Will have a $50 copay
coinsurance after the deductible out-of- per trip after the deductible in-network
network and $100 copay after the deductible out-of-
■■ Durable medical equipment: Will be subject network per trip
to 25% coinsurance after the deductible per ■■ Emergency room services: Will be subject to
device in-network and 50% coinsurance after a $200 copay after the deductible
the deductible per device out-of-network
2 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmo■■ Inpatient hospital admissions will be subject ■■ Durable medical equipment will be subject
to 20% coinsurance after the deductible to 25% coinsurance after the deductible
in-network and 30% coinsurance after the per device
deductible out-of-network ■■ Sleep studies in an office/freestanding setting
■■ Urgent care centers: Will have a $50 will have a $35 copay after the deductible
copay in-network and $80 copay after the in-network and will have a $50 copay for
deductible out-of-network services provided in the home setting after
■■ Outpatient center services/ambulatory the deductible
surgical center (facility): Will have the ■■ Infusion services in an home/office/
following cost share based on the site of freestanding setting will have a $25 copay
service (in-network) after the deductible in-network
Outpatient Hospital (non-surgical)— ■■ Inpatient hospital admissions will be subject
$40 copay, no deductible to 20% coinsurance after the deductible
Outpatient Hospital (surgical)— in-network and 30% coinsurance after the
$150 copay after the deductible deductible out-of-network
Freestanding/Ambulatory surgical center— ■■ X-ray/other diagnostic services in an
$100 copay, no deductible. outpatient hospital setting will be subject to
20% coinsurance after the deductible
■■ Healthy Blue Rewards program: Changes
■■ Skilled nursing services will have the
for participation, ongoing and coaching
following copay structure:
rewards. The total amount of Blue Rewards
a subscriber and/or their spouse may earn is In-network—Facility 20% coinsurance after
now $200 per calendar year deductible.
Out-of-network professional services—
Changes for HealthyBlue Advantage Facility 30% coinsurance of plan allowance
HDHP Option only after deductible.
■■ Prescription drugs—Select Generic Professional services—PCP $80 copay
medications will not be subject to the after deductible/specialist $80 copay after
deductible deductible
■■ Prescription drugs—This plan will decrease ■■ Healthy Blue Rewards Program changes
the copay for Tier 4 preferred specialty drugs for participation, ongoing and coaching
from $150 to $100 for 34-day supply and rewards. The total amount of Blue Rewards
$200 for a 90 day supply a subscriber and/or their spouse may earn is
■■ Premium pass through amount will increase now $200 per calendar year.
to $75 for Self Only enrollment and $150 Self
Plus One and Self and Family enrollments. Wellness and Blue Rewards changes
■■ X-ray/other diagnostic services in an office/ CareFirst’s wellness program has new, digital
freestanding setting will have the following features including:
copay structure (in-network): ■■ The RealAge health assessment—provides
Labs: No copay after the deductible the physical age of your body versus your
X-rays—$35 copay after the deductible calendar age
Other diagnostic services—$35 copay
■■ Personalized content—unique health
after the deductible newsfeed based on your preferences
Specialty imaging—$50 copay after the
■■ Trackers—sync your wearable devices to
deductible monitor sleep, stress, steps and more
Out-of-network—labs, X-rays, other
■■ Blue Rewards—your incentive program has
diagnostic services and specialty imaging more flexibility than before and a new online
will be subject to 20% coinsurance after experience
the deductible.
carefirst.com/fedhmo Federal Employees Health Benefits Program ■ 2019 Health Benefit Options ■ 3Notes 4 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmo
Before You Decide
How Health Insurance Works
To help you understand your health plan options,
Let’s Receive your
it’s important to understand a bit about health
get member
insurance. The graphic below explains how health
started! ID card
insurance works and defines some key terms.
Here are key benefits
you get at no charge from
participating providers:
■■ Adult preventive visits with PCP Meet your deductible
■■ Well-child exams and Your DEDUCTIBLE is the
amount of money you
immunizations must pay each year
Get your ■■ OB/GYN visits and pap tests before CareFirst will
preventive ■■ Mammograms start paying for all or
care ■■ Prostate and colorectal
part of the services.
Many of our
screenings YOU PAY 100%
until you meet your deductible
plans do not
■■ Routine prenatal maternity require you to
meet a deductible
services
for primary care
and specialist
office visits,
Need additional care? urgent care,
and preventive
screenings.
Pay your share
After you meet your
deductible, you’ll pay a
COPAY or COINSURANCE Your premium
for covered services. does not count
toward your
CAREFIRST deductible or
YOU PAY
BLUECHOICE PAYS
Reach your annual out-of-pocket
maximum.
out-of-pocket maximum
If you reach your OUT-OF-POCKET
MAXIMUM, you will pay nothing for
your care for the remainder of the
plan year. CareFirst will pay 100 percent
of your covered medical expenses.
CAREFIRST BLUECHOICE PAYS 100%
Plan year
ends
6 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmoKnow before you go
Choosing the right setting for your care—from allergies to X-rays—is key to getting the best
treatment with the lowest out-of-pocket costs. It’s important to understand your options so
you can make the best decision when you or your family members need care. The following
information may help you decide where to go for medical treatment.
Primary care providers (PCP) Urgent care centers
The best place to get consistent, quality health care Urgent care centers provide treatment for injuries
is your primary care provider (PCP). If you have a and illnesses that require prompt medical attention
medical issue, having a doctor who knows your but are not life-threatening (sprains, minor cuts, flu,
health history often makes it easier to get the care rashes, minor burns). These centers have doctors
you need. on staff and offer weekend/after-hours care.
FirstHelp—Free 24/7 nurse advice line Example: Patient First, ExpressCare**
When your PCP isn’t available, registered nurses on-hospital facilities and
N
are available 24/7 to discuss your symptoms surgery centers
with you and recommend the most appropriate
X-rays, lab work and outpatient surgery will almost
care. Call 800‑535‑9700 anytime to speak with a
always cost more in a hospital setting. Pay less
FirstHelp nurse.
for these services by going to a participating
CareFirst Video Visit non‑hospital facility or surgery center. Prior
When your PCP isn’t available, you can see a authorization may be required for non‑hospital
doctor 24/7/365. CareFirst Video Visit allows outpatient services.
you to securely connect with a board certified Emergency rooms
doctor* on your smartphone, tablet or computer.
Emergency rooms treat acute illnesses and trauma.
Doctors can treat non-emergency health issues
Go to the ER right away if you or a family member
like a sore throat, ear pain or pink eye. Visit
have sudden symptoms that need emergency care,
carefirstvideovisit.com for more information.
including (but not limited to): chest pain, trouble
Convenience care centers breathing or head trauma. Prior authorization is not
Convenience care centers (retail health clinics) offer needed for emergency room services.
care for non-emergency situations like colds, pink Outpatient hospital versus
eye, strep tests and vaccinations. These centers
inpatient hospital
usually have evening and weekend hours.
Outpatient services are received in the
Example: CVS Minute Clinic, Walgreens hospital without being admitted, such as
Healthcare Clinic** same-day surgeries. Inpatient services are
those received when you are admitted to the
hospital. Prior authorization may be needed for
hospital‑based services.
To find participating providers in your plan, visit carefirst.com/fedhmo
PLEASE READ: The information provided in this document regarding various care options is meant to be helpful when you are seeking care
and is not intended as medical advice. Only a medical provider can offer medical advice. The choice of provider or place to seek medical
treatment belongs entirely to you.
* The doctors accessed via this website are independent providers making their own medical determinations and are not employed by
CareFirst. CareFirst does not direct the action of participating providers or provide medical advice.
**Subject to change. Visit carefirst.com/fedhmo for the most up-to-date list of available facilities.
carefirst.com/fedhmo Federal Employees Health Benefits Program ■ 2019 Health Benefit Options ■ 7Know before you go
When your PCP is not available
You have full access to our expansive network of providers. When you
need care, being familiar with all your options will help you locate the
most appropriate and cost-effective medical attention.
The chart below shows how costs vary for the health plans depending
on where you receive care.
HealthyBlue HealthyBlue
Standard Advantage Sample Symptoms 24/7 Rx
Option* HDHP Option*
CareFirst
■■ ough, cold and flu
C
Deductible,
$0 ■■ Pink eye ✔ ✔
Video Visit then $0 ■■ Ear pain
Convenience Care ■■ Cough, cold and flu
(e.g., CVS MinuteClinic Deductible,
$0 ■■ Pink eye ✘ ✔
or Walgreens then $0 ■■ Ear pain
Healthcare Clinic)
Urgent Care Deductible,
■■ Sprains
(e.g., Patient First or $50 ■■ Cut requiring stitches ✘ ✔
ExpressCare) then $50 ■■ Minor burns
■■ Chest pain
Deductible, Deductible,
Emergency Room ■■ Difficulty breathing ✔ ✔
then $200 then $300 ■■ Abdominal pain
Free 24/7 nurse advice line
If you are unsure about your symptoms or where to go for care, call 800-535-9700, anytime day or night to speak to a
registered nurse.
For more information regarding your specific benefits
and associated costs:
■■ Log in to My Account at carefirst.com/fedhmo
■■ Check your 2019 BlueChoice Brochure
■■ Call Member Services at 888-789-9065
CareFirst Video Visit
Register today and you will be ready when you
need care!
1. Visit carefirstvideovisit.com and click on any of
the Video Visit links, or
2. Download the CareFirst Video Visit app from your
favorite app store
8 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmoPatient-Centered Medical Home
Supporting the relationship between you and your doctor
Whether you’re trying to get healthy or stay healthy, you need the best
care. That’s why CareFirst1 created the Patient-Centered Medical Home
(PCMH) program to focus on the relationship between you and your
primary care provider (PCP).
A PCP is important to
The program is designed to provide your PCP with a more complete your health
view of your health needs. Your PCP will be able to use information
By visiting your PCP for routine
to better manage and coordinate your care with all your health care
visits, you build a relationship,
providers including specialists, labs, pharmacies and others to ensure and your PCP will get to know
you get access to, and receive the most appropriate care in the most you and your medical history.
affordable settings.
If you have an urgent health
Extra care for certain health conditions issue, having a PCP who knows
your history often makes it
If you have certain health conditions, your PCMH PCP will partner easier and faster to get the care
with a care coordinator, a registered nurse, to: you need.
■■ Create a care plan based on your health needs with specific Even if you are young and
follow up activities healthy, or don’t visit the doctor
often, choosing a PCP is key to
■■ Review your medications and possible drug interactions
maintaining good health.
■■ Check in with you to make sure you’re following your
treatment plan
■■ Assist you in obtaining services and equipment necessary to
manage your health condition(s)
PCPs play a huge role in keeping you healthy for the long run. If you don’t already have a
relationship with a doctor, you can begin researching one today!
■■ To find a PCMH PCP,
look for the PCMH logo
when searching for
primary care providers
in our Provider Directory
or log in to My Account
and click Select/Change
PCP under Quick Links.
1
All references to CareFirst refer to CareFirst BlueCross BlueShield and CareFirst, BlueChoice, Inc., collectively.
carefirst.com/fedhmo Federal Employees Health Benefits Program ■ 2019 Health Benefit Options ■ 9Notes 10 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmo
Plan Overview and
Benefits Comparison
Be informed and compare plan benefits side-by-sideHealthyBlue—Standard Option
No referrals required
With HealthyBlue—Standard Option, you’ll benefit from no out-of-pocket costs for select
services and choices on where and how you get care. CareFirst also offers online tools and
resources at carefirst.com/fedhmo that give you the flexibility to manage your health care and
wellness goals wherever you are.
Benefits at a glance
Preventive care and sick office visits
ou are covered for all preventive care as
Y
well as sick office visits.
Large provider network
ou can choose any doctor from our
Y
large network of providers. Our network
also includes specialists, hospitals and
pharmacies—giving you many options for
your health care.
Specialist services
our coverage includes services from
Y
Take advantage of your benefits
specialists without a referral. Specialists
are doctors or nurses who are highly
■■ $0 cost for comprehensive preventive trained to treat certain conditions, such
health care visits and sick office visits. as cardiologists or dermatologists.
■■ $0 cost for generics Prescription drug coverage
■■ $0 cost for in-network lab and X-ray Your plan covers prescription drugs.
services
■■ $0 cost for convenience care Hospital services
■■ $0 cost for in-network professional
You’re covered for overnight hospital
mental health services in the doctor’s stays. You’re also covered for outpatient
office services, those procedures you get in
the hospital without spending the night.
Your PCP or specialist must provide prior
■■ No referrals required. authorization for all inpatient hospital
services and may need to provide prior
■■ A network of almost 40,000 CareFirst BlueChoice
authorization for some outpatient hospital
providers (PCPs, nurse practitioners, specialists,
services such as rehabilitative services,
hospitals, pharmacies, and diagnostic
chemotherapy and infusion services.
centers) in Maryland, Washington, D.C. and
Northern Virginia. Labs, X-rays or specialty imaging
overed services include provider-
C
■■ After-hours care, including a free 24-hour
ordered lab tests, X-rays and other
nurse advice line, video visits, convenience
specialty imaging tests (MRI, CT scan,
care clinics and urgent care centers.
PET scan, etc.).
12 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmoWell-child visits Out-of-network--higher costs with more
All well-child visits and immunizations flexibility
are covered. You can use any Provider in or out of the CareFirst
network
Maternity and pregnancy care
ou are covered for doctor visits before
Y Receive greater flexibility when accessing providers
and after your baby is born, including while still maintaining an opportunity to save
hospital stays. If needed, we also cover money. In exchange for the freedom to visit
home visits after the baby’s birth. a providers outside the CareFirst BlueChoice
network, you’ll be responsible for some additional
Mental health and
costs, including:
substance use disorder
our coverage includes behavioral health
Y ■■ Highest out-of-pocket costs and
treatment, such as psychotherapy and annual deductible.
counseling, mental and behavioral health ■■ Adult preventive care, well-child care visits
inpatient services and substance use and cancer screenings are subject to the
disorder treatment. deductible, but do not have a copay.
How your plan works Hospital authorization
In-network—biggest savings to you CareFirst BlueChoice providers will obtain any
You must use CareFirst BlueChoice providers necessary admission authorizations for in-area
and facilities. covered services. You will be responsible for
obtaining authorization for services provided
To get the most from your in-network benefits,
by out-of-network providers and out-of-area
remember to select a PCP for you and each
admissions. Call toll-free at 866-PREAUTH
member of your family.
(773-2884).
■■ See your PCP for all preventive care and
Prior authorization is not required for emergency
sick visits.
admissions or maternity admissions.
■■ Pay the lowest out-of-pocket costs for
all services.
■■ Pay the lowest annual deductible.
■■ Receive adult preventive care visits, well-child
care visits, cancer screenings and generic
prescription drugs at no cost.
How HealthyBlue—Standard Option network coverage works
In-network Out-of-network
$
In-network you pay: Out-of-network you pay: $$
BlueChoice network BlueCard PPO network
Non-participating providers you pay: $$$
(Balance billing may apply)
carefirst.com/fedhmo Federal Employees Health Benefits Program ■ 2019 Health Benefit Options ■ 13HealthyBlue—Standard Option
Your benefits Step 3: Your plan will start to pay for services
Step 1: Select a PCP Medical
Establishing a relationship with one doctor is Your full medical benefits will become available
the best way to receive consistent, quality health once your medical deductible is met. However,
care. When you enroll in a HealthyBlue Standard the level of those benefits will depend on whether
Option plan, you select a PCP—either a physician you see in-network or out-of-network providers.
or nurse practitioner—to manage your primary Depending on your particular plan, you may also
medical care. Make sure you select a PCP for have to pay a copay or coinsurance when you
yourself and each of your covered family members. receive care.
Your PCP must participate in the CareFirst
You will have a different deductible amount for
BlueChoice provider network and must specialize
in-network versus out-of-network benefits and
in family practice, general practice, pediatrics or
the in- and out-of-network medical deductibles
internal medicine.
contribute toward one another. For example, when
To ensure that you receive the highest level of you see in-network providers, your expenses will
benefits and pay the lowest out-of-pocket costs count toward both your in-network deductible and
for all services, see your PCP for preventive and out-of-network deductible.
routine care.
Prescription drugs
Step 2: Meet your deductible Once you meet your prescription drug deductible,
Medical deductible you will pay a different copay amount depending
on whether you receive a generic, preferred brand,
You will be responsible for the cost of your medical
non-preferred brand, preferred specialty or non-
care up to the amount of your medical deductible.
preferred specialty drug.
However, this deductible does not apply to all
services. If you go to a non-network pharmacy, you will have
to pay for the drug in full and file a prescription
Examples of in-network services not subject
reimbursement claims form (found under
to deductible*:
resources and forms on carefirst.com/fedhmo).
■■ Adult preventive visits and sick office visits You will be reimbursed up to the allowed amount
with PCP minus your copay.
■■ Well-child care and immunizations with PCP
Medical and prescription drug deductible
■■ OB/GYN visits and pap tests requirements vary based on whether your
■■ Mammograms coverage is self, a self + one or family plan. If
more than one person is covered under your plan,
■■ Prostate and colorectal screenings
please refer to your 2019 BlueChoice brochure for
■■ Routine prenatal maternity services
detailed information on deductibles.
Prescription drug deductible
You will be responsible for the cost of your
prescription drugs up to the amount of your
separate drug deductible. However the drug
deductible does not apply to generic drugs or
to preventive drugs.
* This is not a complete list of all services. For a comprehensive explanation of your coverage, please check your 2019 BlueChoice brochure
available at carefirst.com/fedhmo.
14 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmoStep 4: Your Out-of-pocket maximum Out-of-area coverage
Your out-of-pocket maximum is the maximum Away From Home Care
amount you will pay during the calendar year. Any In addition, members and their covered
amount you pay toward your deductible and most dependents planning to be out of the CareFirst
copays and/or coinsurance will count toward your BlueChoice, Inc. service area for at least 90
combined medical and prescription drug out-of- consecutive days may be able to take advantage of
pocket maximum. a special program, Away From Home Care®.
Just like your deductible, there are different This program allows temporary benefits through
in-network and out-of-network amounts and the another Blue Cross and Blue Shield affiliated
in- and out-of-network out-of-pocket maximums HMO nationwide.* It provides coverage for routine
contribute toward one another. services and is perfect for extended out‑of‑town
Please keep in mind that out-of-pocket business or travel, semesters at school or families
requirements also differ if your coverage is self, living apart.
self + one or family plan. Detailed information on For more information on Away From Home Care,
out-of-pocket maximum amounts can be found in please call Member Services at the phone number
your 2019 BlueChoice brochure. listed on the back of your ID card.
Labs, X-rays or specialty imaging Enrolling in Away From Home Care
To ensure you receive the maximum laboratory To make sure you and your covered dependents
benefit from your plan, you must use a LabCorp(R) have ongoing access to care:
facility for any in-network laboratory services.
Services performed at a facility that is not part of ■■ Call the Member Service phone number
the LabCorp network may not be covered under on your ID card and ask for the Away From
your plan. Also, any lab work performed in an Home Care Coordinator.
outpatient hospital setting will require a prior ■■ The coordinator will let you know the name
authorization from your PCP. of the Host HMO in the area. If there are no
participating affiliated HMOs in the area, the
LabCorp has approximately 100 location
program will not be available to you.
throughout Maryland, Washington, D.C. and
Northern Virginia. To locate the LabCorp patient ■■ The coordinator will help you choose a
service center near you, call (888) LAB-CORP or visit primary care physician (PCP) and complete the
labcorp.com. application. Once completed, the coordinator
will send you the application to sign and date.
If you need X-rays or other specialty imaging
■■ Once the application is returned, we will send
services, you must visit a participating
it to your Host HMO.
freestanding/non-hospital diagnostic center such
as Advanced Radiology for any in-network X-ray or ■■ The Host HMO will send you a new,
specialty imaging services. temporary ID card which will identify your
PCP and information on how to access your
benefits while using Away From Home Care.
■■ Simply call your Host HMO primary care
physician for an appointment when you
need care.
■■ When in the CareFirst local area use your
home plan’s benefits.
*
Most Blue Cross and Blue Shield plans participate in this program.
carefirst.com/fedhmo Federal Employees Health Benefits Program ■ 2019 Health Benefit Options ■ 15HealthyBlue—Standard Option
Global Core
If you travel outside of the U.S., rest assured you’ll
be covered under BlueCross BlueShield Global
Core* solutions from CareFirst. You'll receive:
■■ Access to nearly 170,000 English-speaking
providers and more than 11,500 hospitals in
nearly 200 countries worldwide
■■ 24/7 telephone support
■■ Seamless claims processing/reimbursement
designed for occasional or short-term travel,
the Core plan connects members with their
home plan benefits to provide basic out-
of-network coverage for medical services
outside of the U.S.
For more information on Global Core, please call
800-810-BLUE (2583)
*BlueCross BlueShield Global is a brand owned by BlueCross
BlueShield Association
16 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmoHDHPs and HSAs/HRAs
Our HealthyBlue Advantage—HDHP Option may be a great choice if you want more control
over your health care spending or if saving for future medical expenses and/or retirement
is a priority for you.
HealthyBlue Advantage—HDHP Option pairs You can use your HSA to pay for any
a high-deductible health plan (HDHP) with eligible out-of-pocket health care
either a health savings account (HSA) or health expenses. Once the annual deductible is
reimbursement arrangement (HRA). met ($1,400 for self; $2,800 for self + one
and family), CareFirst will begin to provide
Remember! You only have 30 days to sign up for
benefits for covered services.
an HSA, otherwise you will be enrolled in an HRA—
see page 39. For details about your eligibility ■■ We fund your HRA account $900 for self and
to enroll in an HSA or HRA, please see the 2019 $1,800 for self + one and family.
BlueChoice Brochure available at carefirst.com/ ■■ In-network preventive care is covered in full
fedhmo. and not subject to the deductible. Once you
HSAs are medical savings accounts, which meet your deductible, CareFirst begins to pay
means you and your employer can make pre- for covered services.
tax contributions according to your budget. ■■ With both HSAs and HRAs, your health
You can use the money in your HSA to pay for care account can only be used for eligible
eligible medical expenses (see below) until your medical expenses.
deductibles are met. Sample eligible expenses include:
With an HRA, we fund your account to cover health doctor and hospital visits, copayments,
care costs before the deductible has been met. eyeglasses, prescriptions and premiums
HRAs provide tax-free reimbursement for out-of- for long-term care insurance. See IRS list of
pocket medical expenses. When you need to make eligible expenses at irs.gov.
a withdrawal, you do not pay taxes if you use it to
cover eligible expenses. Unlike HSA’s, HRA funds do
Value of the HealthyBlue Advantage—
not roll over year after year. HDHP Option (HSA)
■■ Reduce your taxes—you pay no taxes on
How the accounts work contributions, earnings, or withdrawals for
■■ With an HSA you are eligible for a premium eligible medical expenses.
pass-through amount. We contribute $75 per ■■ Your HSA money grows tax-free over time.
month for self and $150 per month for self + ■■ Your HSA funds rollover from year to year to
one and family to your HSA account. use on future expense.
■■ You may also contribute additional amounts ■■ Once your balance exceeds $1,000, your HSA
up to the maximum annual limit of $3,500 account serves as an investment opportunity,
for individuals and $7,000 for couples and so your unused funds can grow tax-free to
families as allowed by the Internal Revenue fund a nest egg for future medical costs or
Service (IRS). even for retirement—if you are 55 and older,
A convenient BlueFund debit card gives you can make additional contributions up to
you quick and easy access to your HSA the maximum IRS guidelines.
funds for eligible medical expenses. Funds ■■ HSAs are portable and owned by you, so it
are deducted directly from your HSA. goes with you if you change jobs or leave the
federal government.
carefirst.com/fedhmo Federal Employees Health Benefits Program ■ 2019 Health Benefit Options ■ 17HealthyBlue Advantage—HDHP Option
No referrals required
HealthyBlue Advantage—HDHP Option offers both in- and out-of-network coverage providing
flexibility and choice. Referrals are not required to seek care from a participating specialist adding
convenience and easy access to care. Access online tools and resources at carefirst.com/fedhmo
that give you the flexibility to manage your health care and wellness goals wherever you are.
Benefits at a glance
Preventive care and sick office visits
ou are covered for all preventive care as
Y
well as sick office visits.
Large provider network
ou can choose any doctor from our
Y
large network of providers. Our network
also includes specialists, hospitals and
pharmacies—giving you many options for
your health care.
Specialist services
Take advantage of your benefits our coverage includes services from
Y
■■ $0 cost for comprehensive preventive health specialists without a referral. Specialists
care visits. are doctors or nurses who are highly
trained to treat certain conditions, such
■■ No referrals required. as cardiologists or dermatologists.
■■ A network of almost 40,000 CareFirst BlueChoice Prescription drug coverage
providers (PCPs, nurse practitioners, specialists, Your plan covers prescription drugs.
hospitals, pharmacies, and diagnostic
centers) in Maryland, Washington, D.C. and
Hospital services
Northern Virginia.
You’re covered for overnight hospital
■■ After-hours care, including a free 24-hour stays. You’re also covered for outpatient
nurse advice line, video visits, convenience services, those procedures you get in
care clinics and urgent care centers. the hospital without spending the night.
Your PCP or specialist must provide prior
■■ If you need care outside the CareFirst
authorization for all inpatient hospital
BlueCross BlueShield (CareFirst) service
services and may need to provide prior
area of Maryland, Washington, D.C. and
authorization for some outpatient hospital
Northern Virginia, you have access to
services such as rehabilitative services,
thousands of providers in all 50 states and
chemotherapy and infusion services.
receive in-network benefits when you see a
BlueCard® PPO provider. Labs, X-rays or specialty imaging
overed services include provider-
C
ordered lab tests, X-rays and other
specialty imaging tests (MRI, CT scan,
PET scan, etc.).
18 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmoWell-child visits If you receive services from a provider outside of
All well-child visits and immunizations the BlueChoice or national BlueCard PPO provider
are covered. network, you may have to:
Maternity and pregnancy care ■■ Pay higher out-of-pocket costs
ou are covered for doctor visits before
Y ■■ Pay the provider’s actual charge at the time
and after your baby is born, including you receive care
hospital stays. If needed, we also cover ■■ File a claim for reimbursement
home visits after the baby’s birth.
■■ Satisfy a higher deductible and/or
Mental health and coinsurance amount
substance use disorder
Receiving care outside the CareFirst
our coverage includes behavioral health
Y
service area
treatment, such as psychotherapy and
counseling, mental and behavioral health Members seeking care outside the CareFirst
inpatient services and substance use service area will pay the lowest costs by using a
disorder treatment. national BlueCard PPO provider for in-network
coverage. Members will still have the option
How your plan works to opt-out of this network but will pay a higher
Receiving care inside the CareFirst out-of-pocket expense.
service area If you receive services from a provider outside of the
When you need care in Maryland, Washington, D.C. national BlueCard PPO network when you are out of
or Northern Virginia, select a provider in the the CareFirst service area, you will have to:
CareFirst BlueChoice network to receive in-network
■■ Pay the provider’s actual charge at the time
coverage and pay the lowest out-of-pocket costs.
you receive care
If you receive care within our service area but ■■ File a claim for reimbursement
outside the BlueChoice network, your benefits
■■ Satisfy a deductible and coinsurance/copays
will be paid at the out-of-network level, but
you’ll incur lower costs by using a participating The choice is entirely yours. That’s the advantage of
national BlueCard PPO provider. To find a national this plan.
participating provider, visit bcbs.com.
How HealthyBlue Advantage—HDHP Option network coverage works
When you receive care inside the When you receive care outside the
CareFirst BlueChoice service area: CareFirst BlueChoice service area:
In-network you pay: $
BlueChoice network In-network you pay: $
BlueCard PPO network
Out-of-network you pay: $$
BlueCard PPO network
Non-participating providers you pay: $$$ Non-participating providers you pay: $$$
(Balance billing may apply) (Balance billing may apply)
carefirst.com/fedhmo Federal Employees Health Benefits Program ■ 2019 Health Benefit Options ■ 19HealthyBlue Advantage—HDHP Option
Hospital authorization Step 2: Your plan will start to pay for services
CareFirst BlueChoice providers will obtain any Your full benefits will become available once
necessary admission authorizations for in-area your combined medical and prescription drug
covered services. You will be responsible for deductible is met. However, the level of those
obtaining authorization for services provided benefits will depend on whether you see
by out-of-network providers and out-of-area in-network or out-of-network providers. You
admissions. Call toll-free at 866-PREAUTH may also have to pay a copay or coinsurance
(773-2884). when you receive care.
You will have a different deductible amount for
Your benefits
in-network versus out-of-network benefits and
Step 1: Meet your deductible the in- and out-of-network medical deductibles
You will be responsible for the cost of your medical contribute toward one another. For example, when
care and prescription drugs up to the amount of you see in-network providers, your expenses will
your deductible. However, this deductible does not count toward both your in-network deductible and
apply to all services. out-of-network deductible.
Examples of in-network services not subject Deductible requirements vary based on whether
to deductible*: your coverage is self, self + one or family plan. If
more than one person is covered under your plan,
■■ Adult preventive visits with PCP
please refer to your 2019 BlueChoice brochure for
■■ Well-child care and immunizations with PCP detailed information on deductibles.
■■ OB/GYN visits and pap tests
Step 3: Your out-of-pocket maximum
■■ Mammograms
Your out-of-pocket maximum is the maximum
■■ Prostate and colorectal screenings amount you will pay during the calendar year
■■ Routine prenatal maternity services for covered medical and pharmacy services. Any
■■ Preventive drugs amount you pay toward your deductible, copays
and coinsurance will count toward your combined
■■ HealthyBlue Select Generics—
medical and prescription drug out-of-pocket
Preferred generic drugs to treat asthma,
maximum.
blood pressure, cholesterol, depression
and diabetes. Just like your deductible, there are different
in-network and out-of-network amounts and the
in- and out-of-network out-of-pocket maximums
contribute toward one another.
Please keep in mind that out-of-pocket
requirements also differ if your coverage is a self,
self + one or family plan. Detailed information on
out-of-pocket maximum amounts can be found in
your 2019 BlueChoice brochure.
* This is not a complete list of all services. For a comprehensive explanation of your coverage, please check your 2019 BlueChoice brochure on
our website at carefirst.com/fedhmo.
20 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmoLabs, X-rays or specialty imaging Out-of-area coverage
If you access laboratory services inside the You have the freedom to take your health care
CareFirst service area of Maryland, Washington, benefits with you across the country. BlueCard
D.C. and Northern Virginia you must use LabCorp PPO, a program from the Blue Cross and Blue
as your lab test facility for in-network benefits. Shield Association, allows you to receive the
Services performed by any other provider, while same health care benefits while traveling outside
inside the CareFirst service area, will be considered of the CareFirst service area of Maryland,
out-of-network and subjected to higher out-of- Washington, D.C. and Northern Virginia. The
pocket costs. BlueCard program includes more than 6,100
hospitals and 600,000 other health care providers
LabCorp has approximately 100 locations
nationally.
throughout Maryland, Washington, D.C. and
Northern Virginia. To locate a LabCorp patient Global coverage
service center near you, call 888-LAB-CORP If you travel outside of the U.S., rest assured you’ll
(522-2677) or visit labcorp.com. be covered under BlueCross BlueShield Global
If you access laboratory services outside of Core* solutions from CareFirst. You'll receive:
Maryland, D.C. or Northern Virginia, you may use ■■ Access to nearly 170,000 English-speaking
any participating BlueCard PPO facility and receive providers and more than 11,500 hospitals in
in-network benefits. To find laboratory service nearly 200 countries worldwide
providers outside of the CareFirst service area, visit
■■ 24/7 telephone support
our Find a Provider tool (carefirst.com/doctor) and
search by Labs. ■■ Seamless claims processing/reimbursement
designed for occasional or short-term travel,
If you need X-rays or other specialty imaging the Core plan connects members with their
services when inside the CareFirst service area, you home plan benefits to provide basic out-
must visit a participating freestanding/non-hospital of-network coverage for medical services
diagnostic center such as Advanced Radiology. If outside of the U.S.
you need X-rays or other specialty imaging services
For more information on Global Core, please call
when outside the CareFirst service area, you may
800-810-BLUE (2583).
use any participating BlueCard PPO facility and
receive in-network benefits.
*BlueCross BlueShield Global is a brand owned by BlueCross BlueShield Association
carefirst.com/fedhmo Federal Employees Health Benefits Program ■ 2019 Health Benefit Options ■ 21In-Network Benefit Comparison*
HealthyBlue HealthyBlue Advantage
Services
Standard Option HDHP Option
BLUE REWARDS
Blue Rewards is an incentive program where you may earn up to $200
for taking an active role in getting healthy and staying healthy.
ANNUAL DEDUCTIBLE (Calendar year)
Combined medical and
prescription drug deductible:
Medical deductible:
Applies at contract level not individual $1,400 Self Only
$500 Self Only
member level $2,800 Self + One / Self and Family
$1,000 Self + One / Self and Family
Monthly premium pass through amount
$75 Self, $150 Self + One and Family
ANNUAL OUT-OF-POCKET MAXIMUM (Calendar year)
Medical and Prescription Drug
$2,500 Self Only $4,000 Self Only
(Maximums include all copays,
$5,000 Self + One/ Self and Family $6,500 Self + One/ Self and Family
coinsurance and deductible amounts)
PREVENTIVE SERVICES
Well-Child Care Visit / Adult Physical
No charge No charge
Examination (including routine GYN visit)
Breast, Prostate, Colorectal Screening No charge No charge
PCP AND SPECIALIST SERVICES
PCP: No charge PCP: Deductible ,then no charge
Office Visits for Illness—PCP1 / Specialist1
Specialist: $40 Specialist: Deductible, then $35
Convenience Care (Retail Health Clinic)
No charge Deductible, then no charge
Example: CVS Minute Clinic1
CareFirst Video Visit 1 No charge Deductible, then no charge
Allergy Shots and Testing1 $40 Deductible, then $35
Physical, Speech and Occupational
$40 Deductible, then $35
Therapy 1
Acupuncture 1 and Chiropractic Services 1 $40 Deductible, then $35
EMERGENCY SERVICES
Urgent Care1 $50 Deductible, then $50
Ambulance (if medically necessary) Deductible, then $50 Deductible, then $50
Hospital Emergency Room Services (Members are responsible for both physician and facility fees)
■■ Facility (waived if admitted) Deductible, then $200 Deductible, then $300
PCP: No charge
■■ Physician Deductible, then no charge
Specialist: Deductible, then $40
DIAGNOSTIC SERVICES (Non-hospital/Freestanding facility)
Labs1 No charge Deductible, then no charge2
X-ray1 $40 Deductible, then $352
Specialty imaging1
$60 Deductible, then $502
(MRA/MRS, MRI, PET and CT scans)
* This summary is for comparison purposes only & does not create rights not given through the benefit plan. Please refer to your 2019
FEHBP BlueChoice Contract for specific plan details.
22 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmoVisit carefirst.com/fedhmo for more information.
Existing members can use My Account to access details on their specific plan and benefits.
HealthyBlue HealthyBlue Advantage
Services
Standard Option HDHP Option
HOSPITALIZATION (Members are responsible for both physician and facility fees)
Outpatient Center Services / Ambulatory Surgical Center
■■ Facility $100 Deductible, then $100
■■ Physician Deductible, then $40 Deductible, then $35
Outpatient Hospital Surgical Services
■■ Facility Deductible, then $150 Deductible, then $300
■■ Physician Deductible, then $40 Deductible, then $35
Inpatient Hospital Services (Incudes Mental Health and Substance Use Disorder and IP Maternity)
■■ Facility Deductible, then 20% of Allowed Benefit Deductible, then 20% of Allowed Benefit
■■ Physician Deductible, then $40 Deductible, then $35
MENTAL HEALTH AND SUBSTANCE USE DISORDER (Members are responsible for both physician and facility fees)
Office Visits1 No charge Deductible, then no charge
MEDICAL DEVICES AND SUPPLIES
Durable Medical Equipment Deductible, then 25% of Allowed Benefit Deductible, then 25% of Allowed Benefit
1
Per Visit
2
Members receiving lab services INSIDE the CareFirst Service area (MD, D.C., N. VA) MUST use LabCorp as their Lab Test Facility
and a non-hospital/freestanding facility for X-Rays and Imaging services for in-network benefits. Services performed by any
other provider, while inside the CareFirst service area will be considered out-of-network. Members receiving Laboratory,
x-rays, imaging services OUTSIDE of MD, D.C., or N. VA, may use any participating BlueCard PPO facility and receive in-
network benefits.
For out-of-network benefits please visit our website at carefirst.com/fedhmo to access
the 2019 BlueChoice Brochure.
carefirst.com/fedhmo Federal Employees Health Benefits Program ■ 2019 Health Benefit Options ■ 23In-Network Pharmacy Benefit Comparison
Healthy Blue— HealthyBlue Advantage—
Standard Option HDHP Option
Plan Feature Amount Amount
Deductible1 $100 deductible $1,400 Individual
$2,800 Self + One
$2,800 Family
Catastrophic limit (out-of-pocket $2,500 Individual $4,000 Individual
maximum) Applies to medical and $5,000 Self + One $6,500 Self + One
prescription services provided in‑network2 $5,000 Family $6,500 Family
Preventive Drugs $0 (not subject to deductible) $0 (not subject to deductible)
Examples: folic acid, fluoride and FDA
approved contraceptives for women
(up to a 34-day supply)
Generic Drugs (Tier 1) $0 (not subject to deductible) $0 (subject to deductible)3
(up to a 34-day supply)
Preferred Brand Drugs (Tier 2) $35 (subject to deductible) $30 (subject to deductible)
(up to a 34-day supply)
Non-preferred Brand Drugs (Tier 3) $65 (subject to deductible) $60 (subject to deductible)
(up to a 34-day supply)
Preferred Specialty Drugs (Tier 4)4 $100 (subject to deductible) $100 (subject to deductible)
(up to a 34-day supply)
Non-preferred Specialty Drugs (Tier 5) $150 (subject to deductible) $150 (subject to deductible)
(up to a 34-day supply)
Maintenance Copays (All maintenance drugs except generic (All maintenance drugs subject to
(up to a 90-day supply) subject to deductible) deductible)
Generic: $0 Generic: $0
Preferred Brand: $70 Preferred Brand: $60
Non-preferred Brand: $130 Non-preferred Brand: $120
Preferred Specialty: $200 Preferred Specialty: $200
Non-preferred Specialty: $300 Non-preferred Specialty: $300
Some prescription drugs require prior authorization. Prior authorization is a tool used to ensure that you will achieve the maximum
clinical benefit from the use of specific targeted drugs. Your physician or pharmacist must call 800-241-3371 to begin the prior
authorization process.
1
Once you meet your deductible, you will pay a different copay amount depending on whether you receive a generic, preferred brand,
non‑preferred brand, preferred specialty or non-preferred specialty drug.
2
Once you reach your out-of-pocket maximum, CareFirst BlueChoice will pay 100% of the applicable allowed benefit for most covered services
for the remainder of the year.
3
HealthyBlue Advantage—HDHP Option Select Generics are not subject to the deductible. These are preferred generic drugs to treat asthma,
blood pressure, cholesterol, depression and diabetes.
4
Preferred specialty drugs: Consist of brand-name specialty drugs that are used to treat chronic, complex and/or rare health conditions. These
drugs generally are a more cost-effective alternative to non-preferred specialty drugs.
Specialty drugs must be filled through the Exclusive Specialty Pharmacy Network.
Drug Calculator Tool Saving Tips Drug List
There is a Drug Calculator Don’t forget to ask your doctor or See complete list of drugs at
Tool available on check the online Preferred Drug List carefirst.com/fedhmo or call
carefirst.com/fedhmo under to see if there is a generic or preferred 800‑241‑3371.
Plan Information > Prescription brand alternative drug available. You
Drug Benefits. This interactive could potentially save by switching
tool helps you find information to a compatible generic or preferred
on covered drugs, out-of- brand (Tier 2) drug.
pocket drug costs and lower
cost alternatives.
24 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmoWith Every Plan
Health & Wellness
Putting the power of health in your hands
Improving your health just got easier! CareFirst BlueCross BlueShield has partnered with
Sharecare* to bring you a new, highly personalized wellness program. Catering to your unique
health and wellness goals, our program offers motivating digital resources—accessible
anytime—to help you live a healthier life.
Ready to take charge of your health?
Want to find out if your healthy habits are truly
making an impact? Take the RealAge® health
assessment! In just a few minutes, RealAge will
help you determine the physical age of your body
versus your calendar age. You’ll discover the lifestyle
behaviors helping you stay younger or making you
age faster and receive insightful recommendations
based on your results.
Exclusive features
Our wellness program is full of tailored resources
and tools that reflect your own preferences and
interests. You get:
■■ A personalized health newsfeed: Receive
insights, content and services.
■■ Trackers: Connect your wearable devices to
monitor daily habits like sleep, steps, nutrition
and more.
Download the mobile app to
■■ Challenges: Having trouble staying motivated? access wellness tools and resources
Join a challenge to make achieving your health
whenever and wherever you want.
goals more entertaining.
■■ A health profile: Access your important health
data like biometric information, vaccine history,
lab results and medications all in one place.
*Sharecare, Inc. is an independent company that provides health improvement management services to CareFirst members.
26 ■ Federal Employees Health Benefits Program ■ 2019 Health Benefit Options carefirst.com/fedhmoSpecialized Programs
The following programs can help you focus on Additional offerings
specific wellness goals. ■■ Blue Rewards incentive program—
You can earn financial incentives for
Health coaching
participating in activities like taking
You may receive a call or email inviting you to
the RealAge test and consenting to
participate in health coaching. Coaches are
receive wellness emails. Visit
registered nurses and trained professionals who
carefirst.com/sharecare.
provide one-on-one support to help you reach
■■ Wellness discount program—
your wellness goals. If you are contacted, we
Sign up for Blue365 at
encourage you to take advantage of this voluntary
carefirst.com/wellnessdiscounts to
and confidential program that can help you achieve
receive special offers from top national
your best possible health.
and local retailers on fitness gear, gym
Weight management program memberships, healthy eating options
If you are age 18 or older, have a body mass index and more.
(BMI) of 30 or greater and are looking to lose ■■ Vitality magazine—Read our member
weight, our weight management program offers a magazine which includes important plan
personalized solution for long-term weight loss. information at carefirst.com/vitality.
Tobacco cessation program ■■ Health education—View our
health library for more health and
Quitting smoking and other forms of tobacco
well-being information at
can lower your risk for many serious conditions
carefirst.com/livinghealthy.
from heart disease and stroke to lung cancer. Our
program’s expert guidance, support and wealth of
tools make quitting easier than you might think.
Financial well-being program
Learn how to take small steps toward big
improvements in your financial situation. Whether
you want to stop living paycheck to paycheck, get
out of debt, or send a child to college, our financial
well-being program can help.
To get started, visit carefirst.com/sharecare. You’ll need to enter your
CareFirst account username and password and complete the one-time
registration with Sharecare to link your CareFirst account information.
This will help personalize your experience.
carefirst.com/fedhmo Federal Employees Health Benefits Program ■ 2019 Health Benefit Options ■ 27You can also read
