CareFirst members with individual plans will have either a bronze, silver, gold or platinum level plan. Typically, platinum level plans offer the lowest deductibles and copayment amounts, while bronze level plans have higher deductibles, with lower monthly premiums. Your deductible is the amount you must pay before your health insurance benefits are applied. Your copayment is a pre-designated one-time fee for any particular service or benefit.
Whether your plan is employer-based or purchased through the health insurance Marketplace, it will be designated as an HMO or PPO. Health Maintenance Organization (HMO) plans will apply the maximum coverage when the provider you see is within the CareFirst network. Preferred Provider Organization (PPO) plans will typically cover visits to any provider equally.
At Princeton Detox & Recovery, we can provide you with a thorough understanding of your insurance benefits as they apply to your stay with a simple, confidential 20-minute phone call. Call (888) 693-1769 with your health insurance-related questions to see what type of coverage your CareFirst policy will provide for your stay.