CareFirst HDHP Benefits and Features Explained

CareFirst HDHP benefits and features are designed to help you save money on healthcare expenses while still providing essential coverage.

With a CareFirst HDHP, you'll have a lower premium compared to a traditional health insurance plan.

You'll be required to pay a higher deductible before your insurance kicks in, but this can be a great option if you're relatively healthy and don't need to visit the doctor often.

CareFirst HDHP plans often come with a health savings account (HSA), which allows you to set aside pre-tax dollars for medical expenses.

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You're considering CareFirst HDHP, but who's eligible? CareFirst HDHP is available to individuals and families who purchase their own health insurance, as well as small business owners with 2-50 employees.

To be eligible for a CareFirst HDHP, you must be a U.S. citizen or a resident alien. CareFirst HDHPs are not available to those who are eligible for Medicare, Medicaid, or other government-sponsored healthcare programs.

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CareFirst HDHPs are available to individuals and families who purchase their own health insurance, as well as small business owners with 2-50 employees. However, businesses with more than 50 employees are not eligible for CareFirst HDHPs.

You can enroll in a CareFirst HDHP during open enrollment, or if you experience a qualifying life event. Qualifying life events include getting married, having a baby, or losing your current health insurance.

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CareFirst HDHP offers a range of benefits that make it a comprehensive health plan. You'll have access to the same national network of providers, ensuring you can see the doctors and specialists you need.

The plan covers a broad range of services, including eligible preventive care, which is covered at 100%. This means you won't have to pay a thing for routine check-ups and screenings.

You'll also have access to health care advocacy and navigation support through Quantum Health, your go-to guide for all medical questions and concerns.

When choosing a medical plan, it's essential to understand how each plan works. Our CareFirst medical plans offer the same national network of providers, so you can see any doctor you like without worrying about being out of network.

You'll have coverage for the same broad range of services, including eligible preventive care, which is covered at 100%. This means you won't have to pay a dime for regular check-ups and screenings.

Health care advocacy and navigation support are also included through Quantum Health. They'll be your go-to guide and front door for all medical questions, big and small. You can reach out to them for help with anything from finding a doctor to understanding your benefits.

Prescription drug benefits are managed through Capital Rx. You'll receive one medical ID card with information about both your medical and pharmacy benefits, which will include contact info for Quantum Rx and Capital Rx.

Here are the key features of our CareFirst medical plans:

You can contribute up to $4,150 to an HSA in a tax year if you have individual coverage, while family coverage allows for a maximum contribution of $8,300.

The contribution limits increase to $4,300 for individual coverage and $8,550 for family coverage in the 2025 tax year.

If you're over 55, you're eligible to contribute an additional $1,000 towards your HSA, either for individual or family coverage.

Here's a summary of the current and upcoming contribution limits: