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Learn about who we are and who we advocate for. Discover how we're investing in the health of our communities. Learn how we're working to transform healthcare. Our online resources, tools and support make doing business with CareFirst easy, so you can focus on patient care. Apply Now. Interested in making a meaningful difference in our community? Explore our career opportunities to find your place with one of the world's most ethical companies. Search Jobs.

Have a question for us? If you are looking to buy or renew a CareFirst plan, please contact us at Have a question about individual or family plans? Visit our contact us page. Skip Navigation. Login Register. Explore our Insurance Basics pages. Need Insurance? Log In or Register. Find a Doctor. Shop Insurance Plans. Employer Solutions. In exchange for a lower monthly payment, an HMO offers a narrower network of available doctors, hospitals, and specialists.

CareFirst has built its plans with patients' freedom to see the doctor of their choice in mind, and the HMO plan still covers a wider network of doctors than many other health insurance providers. A Health Maintenance Organization is a network of doctors, hospitals and other health care providers who agree to provide care at a reduced rate. To keep costs low, HMOs may require you to select a primary care physician sometimes called a primary care provider or PCP , who can refer you to specialists when needed.

An HMO plan will only pay for care from health care providers in the HMO network, except for emergency care, which may be covered out-of-network.

Lab work, such as a blood draw, or a urine test, is also limited to one laboratory provider covered by the HMO network. HMO plans are generally less expensive than PPO plans, with lower monthly payments, making them ideal if your favorite doctors are already in the network, or if you receive most of your care close to home. Like an HMO, a Preferred Provider Organization is a network of doctors, hospitals and health care providers who agree to provide care at a certain rate.

Unlike an HMO, you are not limited to providers who are in-network, though your copay or out-of-pocket cost for out-of-network visits may be higher than for in-network providers. PPO plans typically require higher monthly payments in exchange for increased flexibility. With a PPO, you do not need to maintain a primary care physician, and can see a different doctor of your choice at any time, including specialists. This also means when you are traveling, you can receive care wherever you are.

Additionally, PPO plans offer more options for laboratory service providers. When you need lab work done, you can choose the most convenient location under a PPO network. If you need a lower monthly fee, consider an HMO plan. If you travel frequently and are more likely to need care while away from home, especially if you are living with a chronic condition, or enjoy high-risk hobbies such as certain sports, you may need a PPO to provide the best coverage for your needs.

If you need a lot of specialist care, say you are managing a rare or chronic condition, you may also prefer the ease of choosing specialists and seeing them right away that you get with a HMO plan.