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The guide explains two supplemental plan options, how to narrow choices using personal needs and estimated cost tradeoffs, and highlights medical, dental, vision, and prescription benefits. It also covers key plan terms, support resources, telemedicine and wellbeing, finding doctors, My Account benefits, treatment cost estimation, cost comparison worksheets, and next steps for enrollment and planning.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":35,"@type":76,"position":81},"https://docshare.wps.com/document/healthcare/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/retiree-medicare-supplemental-plan-guide-2023/640742/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/retiree-medicare-supplemental-plan-guide-2023/640742.png","ImageObject",300,407,{"name":92,"@type":93},"Putri","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-13","2026-10-22",true,{"@type":102,"interactionType":103,"userInteractionCount":39},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"How do I narrow my choices between the two CareFirst plans?","Question",{"text":112,"@type":113},"Answer questions about your priorities, such as lower paycheck deductions versus a higher out-of-pocket maximum, expected in-network service use, and whether you need regular outpatient physical therapy. Your responses determine which plan aligns better with your situation.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What key terms should I understand before comparing plan costs?",{"text":117,"@type":113},"The guide defines CareFirst member cost as what providers can charge for services, deductible as what you pay until you reach your deductible, and out-of-pocket maximum as the most you pay for covered services in a plan year.",{"name":119,"@type":110,"acceptedAnswer":120},"What are the main medical cost tradeoffs between the plan options?",{"text":121,"@type":113},"The guide compares in-network deductible levels and out-of-pocket maximums, showing that both plans include out-of-network coverage while the out-of-pocket maximum differs by plan and whether you choose individual or family coverage.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},640742,1792795230,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":34,"category_name":35,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":39,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":46,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":31,"preview_page_count":4},962085571259,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","Your 2023 Healthcare Benefit Guide  \nCHARLES COUNTY PUBLIC SCHOOLS  \nRetirees 65+ and Medicare Eligible  \nThe CareFirst BlueCross BlueShield  \nPROMISE  \n\n| | A not-for-profit organization driven by mission |\n| --- | --- |\n| | Serving 3.3 million members in the Mid-Atlantic region |\n| | Recognized as one of the\u003Cbr>World’s Most Ethical Companies® |\n\n“World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.  \nWELCOME  \nWe’re glad you’re considering CareFirst BlueCross BlueShield (CareFirst) . We know there’s a lot of information to review when selecting your health plan. We hope this simplified guide provides information that makes choosing CareFirst an easy decision.  \nInside, you’ll find information that’ll help you select the plan that’s best suited to your needs. Whichever plan you choose, you’ll have coverage that’s recognized and accepted by more top doctors than any other network. Plus, you’ll know that you have the support of a team that’s working everyday to improve the healthcare experience of every member.  \nReady to explore your 2023 benefits?  \nLet’s find the best health plan for you. There are two CareFirst plans to choose from.  \n\n| \u003Cbr>BlueChoice Opt-Out Plus Open Access |  | \u003Cbr>Preferred Provider Organization |  |\n| --- | --- | --- | --- |\n| | Higher out-of-pocket annual maximum\u003Cbr>Lower monthly premium | | Lower out-of-pocket annual maximum\u003Cbr>Higher monthly premium |\n\nWHAT’S INSIDE?  \n3 WELCOME  \n4 WHAT’S INSIDE?  \n5 NARROW YOUR CHOICES  \n6 CONSIDER WHAT OTHERS CHOSE  \n7 MEDICAL PLAN HIGHLIGHTS  \n8 MEDI-COMP SUMMARY  \n9 DENTAL PLAN HIGHLIGHTS  \n9 VISION PLAN HIGHLIGHTS  \n10 PRESCRIPTION PLAN HIGHLIGHTS  \n11 PERKS INCLUDED WITH EVERY PLAN  \n12 TELEMEDICINE OPTIONS  \n12 CAREFIRST WELLBEING  \n13 FIND A DOCTOR  \n13 MY ACCOUNT BENEFITS  \n13 TREATMENT COST ESTIMATOR  \n14 UNDERSTANDING YOUR OPTIONS FOR CARE  \n14 MENTAL AND BEHAVIORAL HEALTH SUPPORT  \n15 AWAY FROM HOME CARE®  \n15 BLUECARD & BLUE CROSS BLUE SHIELD GLOBAL® CORE  \n16 COST COMPARISON WORKSHEET  \n17 NEXT STEPS  \n18 NOTES  \nIt helps to understand some key terms  \nCareFirst member cost: The maximum amount providers can charge CareFirst members for a specific service.  \nDeductible: Depending on your plan, you’ll need to pay for some services on your own until you reach your deductible. Then your plan starts helping with the cost of your care.  \nOut-of-pocket maximum: The most you’ll pay for covered services in a plan year. After you spend this amount on care costs, your plan will pay 100% of the CareFirst member costs for the rest of the plan year.  \nThe personas represented in this decision guide are not real. The personas and quotes are used for illustrative purposes only.  \nNARROW YOUR CHOICES  \nTo help narrow your choices, answer these questions:  \nWould you rather save with lower paycheck deductions but have a higher out-of-pocket maximum?  \nDo you want the security of knowing you will not pay more than $1,600 for in-network services foryour enitre family for the plan year?  \nDo you, or a family member, have a medical condition that requires regular physical therapy visits at anoutpatient hospital center?  \nWould you rather have more deducted from your paycheck but have a lower out-of-pocket maximum?  \nDoes your family make a lot of sick visits to the doctor each year and want the lowest per visit cost?  \nBlueChoice Opt-Out Plus Open Access  \nIf most of the answers you checked are orange, the BlueChoice Opt-Out Plus Open Access plan may be more your style. This is a good plan for people who:  \n■ Are comfortable with a higher out-of-pocket maximum for the year  \n■ Would rather save money per paycheck at the risk of paying more later  \n■ Like having a PCP to coordinate their care  \nPreferred Provider Organization  \nIf most of the answers you checked are blue, the Preferred Provider Organization plan may be the best fit. This plan is good for people who:  \n■ Would rather pay more per paycheck in order to ","cbCaisXrNGPua9Gv","https://ap.wps.com/l/cbCaisXrNGPua9Gv","pdf",1088247,"English","# Welcome\n# What’s Inside?\n# Narrow Your Choices\n# Consider What Others Chose\n# Medical Plan Highlights\n## Medi-Comp Summary\n# Dental Plan Highlights\n# Vision Plan Highlights\n# Prescription Plan Highlights\n# Perks Included with Every Plan\n# Telemedicine Options\n# CareFirst Wellbeing\n# Find a Doctor\n# My Account Benefits\n# Treatment Cost Estimator\n# Understanding Your Options for Care\n## Mental and Behavioral Health Support\n# Away From Home Care\n# BlueCard & Blue Cross Blue Shield Global Core\n# Cost Comparison Worksheet\n# Next Steps\n# Notes","[{\"question\":\"How do I narrow my choices between the two CareFirst plans?\",\"answer\":\"Answer questions about your priorities, such as lower paycheck deductions versus a higher out-of-pocket maximum, expected in-network service use, and whether you need regular outpatient physical therapy. Your responses determine which plan aligns better with your situation.\"},{\"question\":\"What key terms should I understand before comparing plan costs?\",\"answer\":\"The guide defines CareFirst member cost as what providers can charge for services, deductible as what you pay until you reach your deductible, and out-of-pocket maximum as the most you pay for covered services in a plan year.\"},{\"question\":\"What are the main medical cost tradeoffs between the plan options?\",\"answer\":\"The guide compares in-network deductible levels and out-of-pocket maximums, showing that both plans include out-of-network coverage while the out-of-pocket maximum differs by plan and whether you choose individual or family coverage.\"}]","Retiree Medicare Supplemental Plan Guide 2023 | PDF",1792711322]