JHU Benefits Site - Medical Plans

CareFirst Plan III

CareFirst Plan III is available to employees who meet the definition of limited-time faculty or staff or part-time instructors. You will be notified if you are eligible to enroll in this plan. It's a traditional indemnity plan administered by CareFirst BlueCross BlueShield. Express Scripts administers the prescription drug portion of this plan. With this plan, you must meet a deductible first, and then you pay a portion of the cost (your coinsurance/copay) when you access non-preventive care and prescription drugs. The medical plan uses CareFirst's PPO Network; however you can always visit providers outside of the plan network.

CareFirst Plan III
Plan Benefits In-Network Out-of-Network
You Pay...
 
Annual Deductible $3,000 per person
$6,000 per 2 or more persons
$6,000 per person
$12,000 per 2 or more persons
Medical Out-of-Pocket Maximum $5,000 per person
$10,000 per 2 or more persons
N/A
Physician Services (medical and surgical) Deductible, then 50% Deductible, then 50%
Preventive care $0 50%
Emergency Room Deductible, then 50% Deductible, then 50%
Outpatient Hospital Deductible, then 50% Deductible, then 50%
Inpatient Hospital Deductible, then 50% Deductible, then 50%
Prescription Drugs - Express Scripts
Prescription Deductible $600 per person
$1,200 for 2 or more persons

N/A
Prescription Out-of-Pocket
Maximum
$1,600 per person
$3,200 for 2 or more persons

N/A
Retail Prescription
- Generic
- Formulary
- Non-Formulary

Deductible, then $10
Deductible, then $30
Deductible, then $60

N/A
Mail Order Prescription
- Generic
- Formulary
- Non-Formulary

Deductible, then $25
Deductible, then $75
Deductible, then $150

N/A