Employers

Costs Being Waived for Fully Insured Members

Throughout the pandemic, CareFirst has enhanced our benefits to ensure members can get the care they need. These enhancements include covering services not previously covered and waiving fully insured* member costs for select services related to COVID-19. 

We will continue to track the situation to make sure our benefits are appropriate and update as necessary. Prior notice will be given before ending any benefit enhancements.

View this chart for details on the benefit changes we’ve made.

Changes to Health Spending Accounts

Recent COVID-19-related federal legislation includes several requirements that impact how individuals can use and fund their health spending account—including Health Savings Accounts (HSA), Health Reimbursement Accounts (HRA) or Flexible Spending Accounts (FSA). These FAQs can help you and your employees understand new guidelines for funding and using a health spending account during the COVID-19 pandemic.

Member Communications Toolkit

We understand that the stress and complexity to business operations caused by COVID-19 has also heightened uncertainty for many employees. To help address some common concerns, we have assembled a package of member communication resources that you can share with your employees. Topics include stress reduction, healthy habits, CareFirst Video Visit, Sharecare’s relaxation, diabetes prevention and financial well-being resources and other CareFirst support services. These resources will be housed on the employer portal and will be updated regularly.

For CareFirst BlueCross BlueShield and CareFirst BlueChoice Members

Deductibles, Copays and Coinsurance

ServiceCost Share Waiver must be related to COVID-19?In-NetworkOut-of-network
Diagnostic Test for COVID-19 YES Waive member liability for deductibles, copays and coinsurance

CareFirst/Plan Sponsor pays 100% up to charge

(no balance billing)

FDA-Authorized Antibody (Blood) Test for COVID-19 YES Waive member liability for deductibles, copays and coinsurance

CareFirst/Plan Sponsor pays 100% up to charge

(no balance billing)

Visits (regardless of setting) associated with Diagnostic Testing YES Waive member liability for deductibles, copays and coinsurance CareFirst/Plan Sponsor pays 100% up to our allowed amount, but member can be balance billed

Treatment of COVID-19 (regardless of setting) 

YES Waive member liability for deductibles, copays and coinsurance CareFirst/Plan Sponsor pays 100% up to our allowed amount, but member can be balance billed

Emergency Use Approved COVID-19 Vaccines

YES Waive member liability for deductibles, copays and coinsurance

CareFirst/Plan Sponsor pays 100% up to charge

(no balance billing)