BlueChoice Opt-Out Plus Frequently Asked Questions
Appeals and Complaints
Answer: Contact a Member Services Representative at the number on your member ID card. A representative will record your concerns and may request a written summary of the issues. Our Quality Improvement department will investigate your concerns, share those issues with the provider involved and request a response. We will then communicate to you a summary of our findings.
Answer: Step 1: Contact Us
Call the Member Services phone number on your member ID card. If your concern is not resolved through a discussion with a CareFirst BlueCross BlueShield (CareFirst) representative, you may submit a written appeal.
Step 2: Submit A Written Appeal
CareFirst must receive your written appeal within 180 days of the date of denial of benefits or services. Submit a letter addressed to the Member Services Department describing your reasons for appeal. Send the letter to the address that appears on your Member ID card. If you need help in finding the address,call or e-mail Member Services.
In the letter, include:
- Member name and ID number
- Provider name
- Date(s) of service
- Admission and discharge date if applicable
- A copy of the original Explanation of Benefits, voucher or bill
- Medical records (e.g. Emergency room records or X-ray reports)
In the event you are unable to put the request in writing, a Member Services representative can assist you. Or, ask your provider if they can submit this information for you.
Step 3: Appeal Decisions
All appeal decisions will be sent to you in writing and will include a detailed explanation about the decision, as well as any documentation to support the decision. You will also receive information on next steps you may take if you are not satisfied with the appeal decision.
*Please note that state mandates may alter the steps above.Refer to your Evidence of Coverage for more information regarding your appeal process.
Answer: There is an emergency appeal process when:
- The situation involves a prospective denial (a denial that involves treatment or services that have not yet been received); and
- The health care services are necessary to treat a condition or illness that, without immediate medical attention, would seriously jeopardize the life or health of you or your ability to regain maximum function, or would cause you to be in danger to yourself or others.
The emergency appeal will be answered within 24 hours of the request to CareFirst.
Answer: Contact Member Services at the number on your member ID card.
Approvals and Referrals
Answer: Specialty care requires approval or a referral from your PCP. You should contact your PCP to determine if the services of a specialist are necessary. You may call Member Services at the telephone number on the front of your ID card to verify if coverage exists for the specialty care you are seeking.
Answer: Your Primary Care Physician (PCP) can help coordinate your care and if your plan requires a PCP referral, your PCP will refer you to a specialist within the CareFirst BlueChoice network. CareFirst BlueChoice providers are responsible for obtaining any necessary authorizations.
Answer: If you do not get prior approval or obtain a referral from your PCP or you choose a specialist that does not participate in the network, benefits will not be available for your services.
Answer: Referrals are needed from your PCP when you need specialty care. You may call Member Services at the telephone number on the front of your ID card to verify if coverage exists for the specialty care you are seeking.
Answer: No. You can seek care from a CareFirst BlueChoice OB/GYN without a referral from your primary care physician (PCP).
Answer: You should contact your Primary Care Physician (PCP) to determine if the services of a specialist are necessary. You may call Member Services at the telephone number listed on your Member ID card to verify if coverage exists for the specialty care you are seeking.
Please note that the CareFirst BlueChoice Provider Directory may list specialists whose services are not included within your particular benefits plan.
Answer: An advantage of CareFirst BlueChoice coverage is that you do not have to file claims when treatment is given by a CareFirst BlueChoice network provider. All you have to do is pay any applicable copayment at the time of the visit.
If you do need to submit a claim of services performed by a provider outside of the CareFirst BlueChoice network (i.e. emergency care received outside of the service area), you may contact Member Services at the telephone number on your ID card to obtain a CareFirst BlueChoice Health Benefits Claim Form. Refer to your Evidence of Coverage for more information.
Answer: Generally, all member submitted claims must be filed within 90 days of the date of treatment. Be sure to attach a complete itemized bill prepared by the provider of service that includes the charges for each service along with the medical condition for which the treatment was performed. You should verify the filing period for your coverage by reviewing your Evidence of Coverage.
Answer: CareFirst BlueChoice providers receive benefit payments according to a fee schedule for covered services. You may contact Member Services at the telephone number on the front of your ID card to obtain additional information related to your copayment or other liability to the provider.
Answer: You may contact Member Services at the telephone number on your member ID card or in the My Account section.
Answer: A deductible is a dollar amount of incurred covered expenses that you pay before CareFirst BlueChoice pays benefits (i.e. $500 deductible). A copayment is a specified dollar amount that you pay for a certain covered service based on the type of provider or care (e.g., you pay $10 when you visit the doctor for routine medical care).
Answer: Once your out-of-pocket expenses for incurred covered services have reached the benefit period limit specified in your Evidence of Coverage, the plan pays 100% of the allowed benefit for your eligible expenses for the rest of that benefit period.
Answer: COB is the process of determining the order of benefit responsibility when a member has health care coverage under more than one plan, such as coverage under his/her own plan, as well as that of a spouse. The purpose is to prevent double payment for one service.
Answer: This form tells CareFirst whether it must coordinate payments with any other health coverage, such as through a spouse. Yes, you must return this form in order to prevent any delays in processing claims.
Answer: If you believe a situation is a medical emergency, call 911 immediately or go to the nearest emergency facility. In an urgent (not life- or limb-threatening) situation, we recommend that you contact your PCP. If your PCP is not available, call FirstHelp, our 24-hour Emergency Assistance and Medical Advice Service at 800-535-9700 (This telephone number is also listed on the back of your card).
Answer: Yes, in-network benefits are available for the treatment of medical emergencies or accidental injuries.
Answer: Changes in family status allow you to adjust your coverage. Notify your employer or CareFirst of the birth of your newborn within the time frame specified in your Evidence of Coverage booklet.
Answer: Changes in family status allow you to adjust your coverage. Notify your employer or CareFirst BlueChoice of the adoption within the time frame specified in your Evidence of Coverage booklet.
Answer: You can only add or delete a family member during open enrollment, unless you have a qualifying "life event." Life events include, but are not limited to, births, deaths, adoption and divorce. Please notify your employer of the change in coverage. Also, contact CareFirst at the Member Services telephone number on your member ID card. You will need to fill out a Membership Change Form or New Enrollment Form. For more information, please refer to your Evidence of Coverage booklet.
Answer: Generally, you may only change benefit plans during your employer’s open enrollment period unless you have a special change in circumstance. Please refer to your Evidence of Coverage booklet for more details
Answer: Generally, your benefits end on the last day of the month that you worked. Please contact your employer to find out if you have the option to continue coverage. This coverage would occur at your own cost through the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) or state continuation of coverage provision where applicable. Please refer to your Evidence of Coverage booklet for more details.
Answer: If you are still an active employee at your company, your coverage may continue when you turn 65. In addition, you may also become eligible for Medicare. Please refer to your Evidence of Coverage booklet for more details.
Answer: If you retire prior to age 65, you may be eligible to keep coverage under your employer’s health plan. In addition, under certain conditions as a retiree, you may be able to keep coverage when your benefits are cancelled. Please contact your employer for more information.
Answer: If the college is outside of the CareFirst BlueChoice service area, coverage is limited to emergency and urgent care only. Other covered services received outside the CareFirst BlueChoice service area will receive coverage at the out-of-network level. Please refer to your Evidence of Coverage booklet for more details.
Answer: You can:
a) Contact the plan administrator if you are in a group plan; or
b) Call Member Services if you have individual coverage.
Answer: Please refer to your Evidence of Coverage booklet for more details about coverage should you become disabled.
Answer: To be eligible for coverage you must live or work in the CareFirst BlueChoice service area. If you move outside of the service area, your coverage may end with 31 days written notice to you.
Answer: Please contact your employer to learn if your spouse can continue coverage. This coverage would occur at your own cost through the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) or state continuation of coverage provisions where applicable. Refer to your Evidence of Coverage for more details.
Answer: Dependents who live or attend school outside the CareFirst BlueChoice service area are eligible for in-network benefits for emergency or urgent care only. Other covered services received outside the CareFirst BlueChoice service area are eligible for coverage at the out-of-network level. Refer to your Evidence of Coverage booklet for more details.
Answer: Generally, yes. Please refer to your Evidence of Coverage booklet for more details.
Answer: Your children remain covered until they marry or until they reach the age limit found in your Evidence of Coverage booklet.
Answer: As long as your disabled child was covered before reaching the plan’s limiting age, coverage continues for as long as you are covered under the plan. Please refer to your Evidence of Coverage booklet for more details.
Answer: Always carry your ID card with you and present it wherever you receive care. Our Member Services telephone number is on the front of your card. The back of the card lists other important telephone numbers to help you in accessing care. Your ID card includes the name of your PCP and the copayment amounts for PCP, specialist and emergency room visits.
ID Number Conversion to Non SSN
Answer: Identity theft using Social Security numbers is a growing problem. To protect your privacy and security, CareFirst is in the process of replacing all subscriber* ID numbers with numbers not based on your Social Security number.
*A subscriber is the person who holds a contract with CareFirst . A member is anyone in the subscriber's family who may be covered under that contract.
Answer: Your new number will continue to begin with an alpha prefix followed by 9 numeric digits (e.g. XIC987654321).
Answer: Only the subscriber who holds the contract with CareFirst will receive a new ID number. All dependents covered under the contract will use the subscriber's number.
Answer: Yes, as soon as your new number is assigned, you will receive a new ID card. Please continue to use your current ID number and card until the new card arrives. Due to the large number of subscribers affected, the process will continue throughout 2005.
Answer: We are informing doctors and other health care providers that we are changing your ID number and they should submit the new ID number on claims. However, you should always show your ID card to your doctor or health care provider at every visit.
Answer: Include the new ID number on your claim to ensure the claim is filed accurately and to minimize claim payment delays.
Answer: Yes, show your new ID card to your doctor and other health care providers at your next visit. The information on the card will enable the provider to file the claim accurately and minimize claim payment delays.
1. When you receive your new ID card, take a moment to review the information on it. If you find that your information is listed incorrectly please contact the Member Services Department at the number listed on your ID card.
2. Destroy your old ID card upon receipt of the new card.
3. Show your new ID card to your doctor and other health care providers at your next visit.
Answer: Your benefits are detailed in your individual or group's Evidence of Coverage. You may also call Member Services at the telephone number on the front of your ID card to obtain specific information on contract benefits.
Answer: Call your Member Services Representative at the telephone number on the front of your ID card to change your name or address.
Answer: Our Member Services department is available Monday - Friday, 7 a.m. - 7 p.m., EST.
How does that difference affect my benefits?
Answer: A brand name drug is a prescription drug that has been patented and is only available through one manufacturer or distributor. A Generic drug is any drug approved by the Food and Drug Administration (FDA) that has the same bio-equivalency as a specific brand name drug. The copayment for a Generic drug is generally lower than that of a brand name drug. Refer to your Evidence of Coverage for more details.
If a Generic drug is available and you purchase a Non-Preferred Brand drug, you will pay the generic copay PLUS the difference between the Generic and the Non-Preferred Brand drug cost.
If a Generic is not available, you pay only the applicable Preferred drug copay if a brand name drug is on CareFirst's Preferred Drug List. Otherwise, you will pay the Non-Preferred Brand drug copay.
For more information, visit CareFirst's Drug Coverage.
Answer: Yes. You can use nonparticipating pharmacies, but you will have to pay for the full cost of the drug at the time of purchase, then submit a claim form for reimbursement. Your benefits may not reimburse the full cost of the prescription. Please refer to your Evidence of Coverage booklet for more details.
Answer: You can learn more about the mail order prescription program by clicking Prescription Drug Tools in our Resource section.
Answer: If you are traveling out of town for less than one month, call CareFirst's Pharmacy Services at (800) 241-3371 to get approval for an additional short-term supply.
If you need to request additional quantities (greater than one month), please contact CareFirst or CareFirst BlueChoice Member Services at the telephone number on your member ID card.
Please call 10 days in advance of your departure to request the additional supply.
Answer: The Preferred Drug List is the list of brand name and generic drugs published by CareFirst and used by participating providers and licensed pharmacists when writing and filling prescriptions. All Generic drugs are included on the Preferred Drug List. Not all brand name drugs are included in the Preferred Drug List. This list may be changed periodically by CareFirst without notice to members. A copy of the Preferred Drug List is available to you upon request.
Selected for their performance and affordability, Preferred drugs include both Generic and Preferred Brand drugs.
Non-Preferred Brand drugs are not part of the Preferred Drug List, but are covered by your pharmacy benefits.
For more information, visit our Drug Coverage section.
Answer: Please review the information online in our Drug Coverage section. Or, call the prescription drug vendor at the telephone number on your member ID card.
Physicians and Other Providers
Answer: To determine if your provider participates in the CareFirst BlueChoice network, or to locate a participating physician in your area, you may search our online provider directory for the most up-to-date provider listing available. This directory is updated every 15 days. You may also call Member Services at the telephone number on your ID card. A representative can answer your questions directly or mail you a provider directory.
Answer: A PCP is the physician selected by the member, who provides routine care and coordinates other specialized care. The PCP must be selected from the CareFirst BlueChoice network. The physician you choose as your PCP may be a family or general practitioner, internist or pediatrician.
Answer: Your CareFirst BlueChoice Opt-Out coverage provides benefits for covered services rendered by network and non-network providers. You will pay a lower out-of-pocket cost when you receive care from providers who participate in the CareFirst BlueChoice network. You may also receive care outside the CareFirst BlueChoice network, from any provider, but you will pay a higher out-of-pocket cost. In addition, network providers agree to file all claims and obtain any necessary authorizations you may need.
Answer: To determine if your doctor is a CareFirst BlueChoice PCP, or to locate a PCP in your area, you may:
- Search our online provider directory for the most up-to-date provider listing available.
- Call Member Services at the telephone number listed on your Member ID card. They can answer your questions directly or mail you a provider directory.
Answer: You will need to select another PCP who is in the CareFirst BlueChoice network. You may want to make an initial appointment with him or her so you can get to know each other and review your medical history.
Answer: You can change your PCP by calling Member Services at the telephone number on the front of your ID card. CareFirst BlueChoice must be notified and must process the PCP change prior to the time you receive care from the new PCP.
Answer: Yes. You can change your PCP by going online or by calling Member Services at the telephone number on your ID card. CareFirst BlueChoice must be notified and must process the PCP change prior to the time you receive care from the new PCP. If the change is requested prior to the 20th of the current month, it will be effective on the first day of the following month. Requests received after the 20th of the current month will be effective on the first of the second month following your request.
Answer: CareFirst BlueChoice has set goals for practitioners in our participating networks regarding appointment availability and office waiting times. For appointments for non-symptomatic visits, such as preventive care or routine wellness, we expect that the appointment with the doctor should be scheduled within four weeks. If you have an urgent problem, call your PCP as soon as possible, and the office staff will arrange an appropriate time for you to be seen. For a symptomatic (acute) problem, most offices try to schedule you within 24-72 hours or less, depending on the urgency of the problem. The nurse or the appointment staff at your doctor’s office will help you determine how quickly you need to be seen.
Answer: Yes, you may get care from a non-CareFirst BlueChoice network provider; however, benefits will be considered at the out-of-network level and your out-of-pocket expenses will be higher.
Answer: Your PCP will coordinate your medical care and provide treatment for a variety of medical conditions. If a provider with the required specialty is not available within the CareFirst BlueChoice network, your PCP should contact CareFirst BlueChoice to determine if authorization is available for treatment by an out-of-network specialist.
Answer: Out-of-network benefits are considered for non-emergency or non-urgent treatment.
Answer: In-network benefits are available for emergency or urgent care only.