Health Insurance

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Health Insurance

CareFirst HMO
BlueChoice (HMO) provides the cost savings of an HMO and the flexibility to choose a provider from a network of over 2,600 primary care physicians (PCPs), specialty care from over 14,000 participating specialists and hospital care from 55 area hospitals. Members are required to choose a PCP upon enrollment.

The PCP will coordinate routine care and provide treatment for a variety of medical conditions. If more specialized care is required, the PCP will refer to a participating specialist in the CareFirst BlueChoice network. When outside of the CareFirst BlueChoice service area, benefits are available for emergency or urgent care only. This plan is available to individuals and groups.

BlueChoice HMO Open Access provides the cost savings of an HMO and the freedom to see network providers without a referral from a primary care physician (PCP). Members have the flexibility to choose a provider from a network of over 2,600 PCPs, specialty care from over 14,000 participating specialists and hospital care from 55 area hospitals. Members are required to choose a PCP upon enrollment.

The PCP will coordinate routine care and provide treatment for a variety of medical conditions. If more specialized care is required, the PCP can coordinate specialty care using a network of specialists within the CareFirst BlueChoice network. With the Open Access feature, members don't need a referral from their PCP to visit most CareFirst BlueChoice specialists.+ When members are outside of the CareFirst BlueChoice service area, benefits are available for emergency or urgent care, only. This plan is only available to groups.

CareFirst POS
Maryland Point of Service (POS) offers the best of managed care and traditional indemnity coverage in a single plan. The plan includes in- and out-of-network benefits. This plan is only available to groups.

Coventry HMO
HMO - Health Maintenance Organizations (HMO) were once easily defined as organizations that provided health care to voluntarily enrolled members in return for a pre-determined, pre-paid amount of money on a per member basis.

Coventry POS
POS - Point Of Service (POS) managed cared plans are those where members do not have to choose how to receive services until they need them. Members may see any provider and do not have a primary care physician. If the provider is not in the plan, members share in the higher cost of treatment.

Coventry PPO
PPO - Preferred Provider Organizations (PPO) are managed care plans that allow members to see providers either within an established network or outside of it. Members pay a reduced fee for choosing a provider within the network because those providers have agreed to provide services at a discounted fee.

Individual and Family: Assurant
Assurant Health and your agent make it easy for you to get health insurance the way you want it. You'll get:

Many plan and benefit options — so you can choose what best meets your needs
Easy to understand information — not "Insurance speak"
An easy way to apply for coverage
Quality health insurance and competitive pricing
The backing of an industry leader with more than 110 years in the business

Individual and Family: BlueChoice HMO

BlueChoice (HMO)- provides the cost savings of an HMO and the flexibility to choose a provider from a network of over 2,600 primary care physicians (PCPs), specialty care from over 14,000 participating specialists and hospital care from 55 area hospitals. Members are required to choose a PCP upon enrollment.

Please review our Individual Health HMO rates.

Personal Comp

Personal Comp is a cost sharing plan where members pay a percentage of the cost of the services they receive. The amount that a member is responsible for is based on the provider they choose and whether the service is covered. Personal Comp lets you decide how much you will pay for deductibles and coinsurance amounts. The higher the deductible, the lower your monthly premium.