CareFirst Individual & Family Quote

Comrade Financial Group is a certified PPACA broker appointed with Carefirst Blue Cross Blue Shield.

When you click on the logo above it will take you directly to my broker portal where you can apply directly with the carrier. Keep in mind that Carefirst offers on and off exchange plans for residents living in Maryland. It depends on your income guidelines if you need to apply on the Maryland Health Connection as well as DC Health Link.

Carefirst offers many different types of plans to include HSA compatible plans along with HMO, PPO, and POS plans which we like the most. Some other things to consider are listed below.

Platinum Level Plans in Maryland, D.C. and Virginia 90% Coverage

Platinum Level Plans in the exchange are offered by carriers specific to Maryland. Federal level and other state level plans may or may not match benefits. The Platinum Level is defined as 90% coverage. That means the insurance company is willing to collect monthly premiums, provide EHB (Essential Health Benefits), and cover 90% of expenses. That means that you the consumer will be liable for the other 10%.

Gold Level Plans in Maryland, D.C. and Virginia 80% Coverage

Gold Level Plans in the exchange are offered be carriers specific to Maryland. Federal level and other state level plans may or may not match benefits. The Gold Level is defined as 80% coverage. That means the insurance company is willing to collect monthly premiums, provide EHB, and cover 80% of expenses. That means that you the consumer will be liable for the other 20%.

Silver Level Plans in Maryland, D.C. and Virginia 70% Coverage

Silver Level Plans in the exchange are offered by carriers specific to Maryland. Federal level and other state level plans may or may not match benefits. The Silver Level is defined as 70% coverage. That means the insurance company is willing to collect monthly premiums, provide EHB, and cover 70% of expenses. That means that you the consumer will be liable for the other 30%.

Bronze Level Plans in Maryland, D.C. and Virginia 60% Coverage

Bronze Level Plans in the exchange are offered by carriers specific to Maryland. Federal level and other state level plans may or may not match benefits. The Bronze Level is defined as 60% coverage. That means the insurance company is willing to collect monthly premiums, provide EHB, and cover 60% of expenses. That means that you the consumer will be liable for the other 40%.

Catastrophic Level Plans in Maryland, D.C. and Virginia

Catastrophic Level Plans in the exchange are offered by carriers specific to Maryland. Federal Level and other state level plans may or may not match benefits. The Catastrophic Level is defined as protection against catastrophic costs. Similar to HDHP or High deductible health plans, all costs are out of pocket until you reach your deductible. Limited to those under age 30 and deemed exempt from the Individual mandate. These plans do cover EHB but will not cover the first 3 visits to primary care.

Individual Mandate

The ACA requires every U.S. citizen and legal resident to have health insurance. Individuals without health insurance coverage will be required to pay a tax penalty. The penalty will be a flat fee or percentage of income, whichever is higher. Tax penalties will be phased out hopefully after 2016. In 2014 $95 flat fee or 1% of income. In 2015 $325 flat fee or 2% of income. In 2016 $695 flat fee or 2.5% of  income.