What your exact benefits cover is specific to your CareFirst Healthcare plan and your Immersion Recovery treatment plan. Factors to consider are your plan’s copayment amount, coinsurance amounts, deductibles and maximum out-of-pocket limits. Your copayment is a one-time, upfront cost for any medical service or procedure. Coinsurance is the amount that you or a third party may expect to pay after your CareFirst plan benefits are applied. This amount may also vary depending on the maximum out-of-pocket expense limits of your plan.
Typically, bronze level plans will offer the lowest monthly premiums, but the highest deductibles and copayment amounts. Gold and platinum level plans offer the lowest deductibles, but at the highest monthly premiums. Not all metal levels are available in every state.