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Reply to "difference between carefirst and bcbs?"
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[quote=Anonymous]Yeah-with a PPO or fee for service, you can see any doctor, no referrals, and you will get reimbursed by insurance. Your reimbursement will be lower than if it was an in network doctor, and the level if reimbursement varies between basic and standard. With an HMO, if the doctor is not in network, you won't get reimbursed for much. There are some exceptions. BCBS has a pretty large network in the DC region, so this may not be much of an issue. HMOs also have a reputation of being more resistant to covering extra tests, etc. I'm sure there are other small coverage differences. [/quote]
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