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Medical Plans

Child sitting with a doctor during an examination.

 

Montgomery County offers four comprehensive medical plans for you, your family and your partner. You can choose between two Point-of-Service (POS) plans with CareFirst BCBS and two Health Maintenance Organizations (HMO’s) with United HealthCare and Kaiser. To make medical care inexpensive for you and your family, we keep your per-paycheck contribution minimal, and we limit out-of-pocket expenses with low co-pays and no deductibles (low deductibles when out-of-network benefits are utilized with CareFirst BCBS).

Medical Comparison Chart

Administrator: Carefirst BCBS
Website: www.carefirst.com/mcg
Phone: 1-888-417-8385
Mobile App:

The CareFirst BlueCross BlueShield Point-of-Service Plans (POS) are managed care programs. The BlueChoice Advantage Network provides you with choices over your out-of-pocket costs.  You do not need to select a primary care provider (PCP) or obtain a referral to see a specialist with this option. You can visit any provider and your choice will determine your out-of-pocket costs. When care is rendered in Maryland, Washington, D.C. or Northern Virginia, use the CareFirst Blue Choice Network to receive the highest level of coverage and pay the lower out-of-pocket costs. If you seek care outside the CareFirst service area you will lower costs by using a National Blue Card PPO provider.  You still have the option to opt-out of this network but will pay a higher out-of-pocket expenses. Prescription drug coverage is not included with either plan, but may be elected under a separate plan offered through Caremark. 

2017 EMPLOYEE RATES Self Self+1 Family
Employee Bi Weekly Cost - HIGH Option $63.35 $109.59 $184.53
Employee Bi Weekly Cost - STANDARD Option $58.92 $101.92 $171.62
2018 EMPLOYEE RATES Self Self+1 Family
Employee Bi Weekly Cost - HIGH Option $67.05 $115.99 $195.30
Employee Bi Weekly Cost - STANDARD Option $62.36 $107.87 $181.63


Important Changes to your Health Care Benefit Structure beginning January 1, 2017
,   click here

Plan Materials 
Member Discounts 

Summary of Benefits and Coverage 2017
BCBS High Option
BCBS Standard Option

Summary of Benefits and Coverage 2018
BCBS High Option
BCBS Standard Option

Forms
BCBS Claims
BCBS Primary Care Physician Selection 
BCBS Coordination of Benefits
BCBS Disabled Dependent Authorizaton
BCBS Health Information Release Authorization
BSBC Health Information Release Revocation 

Administrator: United Healthcare
Website: www.uhc.com
Phone: 1-800-638-0014
Mobile App:  HERE 

United Healthcare is a national individual practice health maintenance orgainization (HMO). You must use United Healthcare providers in order to receive benefits under this plan. If you receive care elsewhere, you must pay the full cost. Prescription drug coverage is not included, but may be elected under a separate plan offered through Caremark.

2017 EMPLOYEE RATES Self Self +1 Family
Employee Bi Weekly Cost $44.38 $85.31 $135.62
2018 EMPLOYEE RATES Self Self +1 Family
Employee Bi Weekly Cost $45.80 $88.04 $139.96

Plan Materials
2017 UHC Select HMO SBC
2018 UHC Select HMO SBC
UHC Select HMO Brochure 
UHC Select HMO Plan Booklet
UHC Disabled Dependent Authorization

UHC Real Appeal Launch
UHC Real Appeal Weight Loss Program 

Forms
UHC Claim Form


Administrator: Kaiser Permenante
Website: https://my.kp.org/montgomerycountygovernment/‚Äč
Washington Area Phone: 1-301-468-6000
Baltimore Area Phone: 1-800-777-7902
Microsite Flyer
Mobile App: HERE

Kaiser Permenante is a health maintenance organization (HMO) which provides all care at special Kaiser centers. You must use providers at the Kaiser centers to receive benefits under this plan. If you receive care elsewhere, you must pay the full cost. Please note that the Kaiser Permanente HMO medical plan does include prescription drug coverage and therefore, it is not necessary to elect such coverage under a separate plan. 

2017 EMPLOYEE RATES Self Self + 1 Family 
Employee Bi weekly Cost $51.46 $96.75 $152.34
2018 EMPLOYEE RATES Self Self + 1 Family 
Employee Bi weekly Cost $53.18 $99.97 $157.40

Plan Materials 
2017 Kaiser HMO SBC
2018 Kaiser HMO SBC
Kaiser Brochure
Kaiser Benefits Summary
Kaiser Incapacitated Dependent Application 
Member Discounts

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