Health++Benefits

Medical Insurance
VJC offers two medical plans through Carefirst BlueCross BlueShield of Maryland: 1. Maryland Point of Service (POS) 2. Maryland Preferred Provider Program (PPO)

Comprehensive coverage for medical care. In-network and out-of-network benefit feature. Provider directory available at [|www.carefirst.com]
 * Both** offer the following features:

//POS features// Members must choose a primary care physicial to receive in-network benefits. Care not authorized by a primary care physician, or self-referrals, will be covered at the lower out-of-network option.

//PPO features// Members allowed to choose providers without choosing a primary care physician. If a Carefirst preferred PPO provider is chosen, the provider must accept the Carefirst allowed benefit as payment in full. Non-PPO providers may bill for charges in excess of the allowed benefit amount.