Applicants can enroll in CareFirst during the open-enrollment period, which typically runs from late fall through the beginning of the new year. Applicants who experience qualifying life events, such as marriage, the birth of a baby or loss of current coverage, may be eligible to enroll in a health care plan outside of the open-enrollment period, states CareFirst. At any time of year, people can request information through the company's website or by phone.
CareFirst offers individual and family health plans for residents of Maryland, the District of Columbia and some parts of Virginia, according to company's website. As of 2015, its network offers access to over 1 million doctors and health care facilities. All CareFirst plans cover doctor's office visits, prescription drugs, lab tests and X-rays, hospitalization and emergency services. It also provides free preventative care, such as adult physicals and well-child visits, without requiring copays or a deductible.
CareFirst offers bronze, silver, gold and platinum plans as well as catastrophic coverage, says the company's website. Applicants may choose a health maintenance organization, or HMO, plan, which requires the use of in-network providers for all nonemergency care, or a preferred provider organization, or PPO, plan, which allows members to see out-of-network providers, but at a greater cost than staying in-network.