Child sitting with a doctor during an examination.

Medical Plans

Montgomery County offers four comprehensive medical plans for you, your family and your partner. You can choose between two Point-of-Service (POS) plans with CareFirst BCBS and two Health Maintenance Organizations (HMO’s) with United HealthCare and Kaiser. To make medical care inexpensive for you and your family, we keep your per-paycheck contribution minimal, and we limit out-of-pocket expenses with low co-pays and no deductibles (low deductibles when out-of-network benefits are utilized with CareFirst BCBS).

Medical Comparison Chart

Administrator: Carefirst BCBS
Website: www.carefirst.com/mcg
Phone: 1-888-417-8385

The CareFirst BlueCross BlueShield Point-of-Service Plans (POS) are managed care programs. The BlueChoice Advantage Network provides you with choices over your out-of-pocket costs.  You do not need to select a primary care provider (PCP) or obtain a referral to see a specialist with this option. You can visit any provider and your choice will determine your out-of-pocket costs. When care is rendered in Maryland, Washington, D.C. or Northern Virginia, use the CareFirst Blue Choice Network to receive the highest level of coverage and pay the lower out-of-pocket costs. If you seek care outside the CareFirst service area you will lower costs by using a National Blue Card PPO provider.  You still have the option to opt-out of this network but will pay a higher out-of-pocket expenses. Prescription drug coverage is not included with either plan, but may be elected under a separate plan offered through Caremark. 

Plan Materials & Resources
BCBS High Option Evidence of Coverage Plan Booklet
BCBS Standard Option Evidence of Coverage Plan Booklet
Carefirst CloseKnit Virtual First Care
Carefirst Digital Enrollment Guide
CareFirst Noom Weight and Diabetes Prevention Programs
CareFirst Noom Member Frequently Ask Questions
Member Discounts 
How to Find a Doctor
Simple Therapy Virtual Physical Therapy Program Video
Simple Therapy Virtual Physical Therapy Program Flyer
Simple Therapy Virtual Physical Therapy Program FAQs
Simple Therapy Interest Form

Summary of Benefits and Coverage 
BCBS High Option 2025
BCBS Standard Option 2025

Forms
Blue Choice Advantage POS Claim Form
BCBS International Claim Form
BCBS Coordination of Benefits
BCBS Disabled Dependent Authorizaton
BCBS Health Information Release Authorization
BCBS Health Information Release Revocation 

Administrator: United Healthcare
Website: https://www.whyuhc.com/mcg
Phone: 1-800-638-0014

United Healthcare is a national individual practice health maintenance organization (HMO). You must use United Healthcare providers in order to receive benefits under this plan. If you receive care elsewhere, you must pay the full cost. Prescription drug coverage is not included, but may be elected under a separate plan offered through Caremark.

Plan Materials                                                                                                                                               
 

Summary of Benefits and Coverage 
UHC Select HMO 2025

Mental Health Resources

 


Administrator: Kaiser Permenante
Website:  https://myhealth.kaiserpermanente.org/montgomerycountygovernment/
Member Services: 1-800-777-7902
Mobile App: HERE

Kaiser Permenante is a health maintenance organization (HMO) which provides all care at special Kaiser centers. You must use providers at the Kaiser centers to receive benefits under this plan. If you receive care elsewhere, you must pay the full cost. Please note that the Kaiser Permanente HMO medical plan does include prescription drug coverage and therefore, it is not necessary to elect such coverage under a separate plan. 

Plan Materials 

Kaiser Enrollment Brochure
Kaiser Benefits Summary
Kaiser Evidence of Coverage booklet
Kaiser Incapacitated Dependent Application 
Kaiser Member Resources
Kaiser Urgent Care and Locations
Regional Service Map
Away From Home
Healthy Resources Guide
Kaiser Permanente Smile Kids ML Dental Copay EPO plan
Kaiser Permanente Smile ML $30 Adult Preventive plan

Summary of Benefits and Coverage 
Kaiser HMO 2025

Resources
Learn more about Kaiser Permanente : https://thrive.kaiserpermanente.org/care-near-mid-atlantic
Switching to Kaiser-Permanente: https://healthy.kaiserpermanente.org/maryland-virginia-washington-dc/new-members#register-to-kp-org
Kaiser Permanente Doctors: https://thrive.kaiserpermanente.org/care-near-mid-atlantic/find-doctor
How to get care: https://healthy.kaiserpermanente.org/maryland-virginia-washington-dc/get-care
Find Kaiser Permanente locations: https://healthy.kaiserpermanente.org/maryland-virginia-washington-dc/doctors-locations#/search-form
Kaiser HMO General Plan Overview Video: https://www.brainshark.com/kp/MAS21HMO
Online & Mobile Tools Informational Video: https://www.brainshark.com/kp/MAS21OnlineTools
Behavioral Health Informational Video: https://www.brainshark.com/kp/MAS21BehavioralHealthWellness
Telehealth Informational Video: https://www.brainshark.com/kp/MAS21Telehealth
Care Away from Home Informational Video: https://www.brainshark.com/kp/MAS21CareAwayFromHome
Maternity Care Informational Video: https://www.brainshark.com/kp/MAS21MaternityCare
Kasier Self-Care Mobile Apps:  kp.org/selfcareapps