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BlueFund Consumer Directed Health Plans (CDH)

CareFirst's Consumer Directed Health Plans , called BlueFund, puts your employees in the driver's seat. BlueFund combines a CareFirst health plan with an employer-funded "Health Reimbursement Arrangement" (HRA) or a "Health Savings Account" (HSA) to cover health care expenses. Access to online self-service tools and health and wellness information helps your employees to manage their health care.


  • A medical spending account (either an HRA or HSA) is set up with a predetermined amount of funds, which can be used to pay for out-of-pocket member expenses.
  • Unspent funds are rolled over to the next year, thus increasing employees' total account fund.
  • Employees make the decision on where and how to spend their health care funds, while still benefiting from the Blue Cross and Blue Shield provider discounts.
  • Online tools help employees keep track of their fund balance and manage their benefits.
  • Freedom to select any doctor and in most cases, no referrals are necessary.
  • 100% coverage or a small copay coverage for routine preventive care when using in-network providers.
  • No claim forms to fill out for in-network and out-of-network services when rendered by participating providers.
  • Large national network of preferred and participating providers through  BlueCard  - more than 6,100 hospitals and  700,000 providers.

Online tools and resources:

  • How BlueFund Plans Work - Provides more details on HRA and HSA BlueFund plans.
  • Member self-service site - Allows employees to:
    • Keep track of the balance in their account
    • Check HRA/HSA transaction details
    • Check the status of their claims
    • See their eligibility
    • Search the online provider directory
    • Access health information
  • My Care First - Provides health and wellness information along with health risk assessment and health goal-setting tools.
  • Wellness Discount Program - Learn about Blue365, an exciting program that offers great discounts from top retailers on fitness gear, gym memberships, family activities, healthy eating options and much more.
  • Find a Doctor - This provider directory is updated every two weeks.
  • Prescription Drug Information - Look up prescription drug prices and learn how to save money on prescription drugs.


For more information about this plan contact your broker or CareFirst sales representative