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Date:
November 11, 2014
Market: 1-50 ACA (MD, DC & VA)
First Quarter 2015 Pricing Update for ACA Products (On and Off Exchange)
CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. would like to inform you of the pricing actions filed
and approved for January 1, 2015. Please note that the percentages indicated are incremental changes over the
October 1, 2014 rate actions unless otherwise noted.
Medical and Rx rate actions have been provided at the product level; rate changes may vary by plan within a
given product.
On-Exchange (Medical and Rx)
Maryland
 BlueChoice: -2.1%
 GHMSI/CFMI: -4.6%
DC
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BlueChoice HMO: 5.4%
BlueChoice HMO HSA/HRA: 0.8%
BlueChoice HMO Referral: 3.5%
BlueChoice HMO Referral HSA/HRA: -0.6%
BlueChoice Plus: 3.2%
BlueChoice Plus HSA/HRA: 1.3%
BlueChoice Advantage: 7.7%
BlueChoice Advantage HSA/HRA: 4.1%
HealthyBlue HMO: 7.6%
HealthyBlue HMO HSA/HRA: 5.6%
HealthyBlue Plus: 6.3%
HealthyBlue Plus HSA/HRA: 5.3%
HealthyBlue Advantage: 9.2%
HealthyBlue Advantage HSA/HRA: 6.5%
BluePreferred PPO: 9.3%
BluePreferred PPO HSA/HRA: 4.8%
BlueCross BlueShield Preferred (Multi-State Plan): 3.2%
BlueCross BlueShield Preferred HSA/HRA (Multi-State Plan): 3.5%
HealthyBlue PPO: 9.3%
HealthyBlue PPO HSA/HRA: 7.7%
Virginia
 BlueChoice: 2.6%
 GHMSI: 9.4%
CareFirst BlueCross BlueShield is the shared business name of CareFirst of Maryland, Inc. and Group Hospitalization and Medical Services, Inc.
CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. are both independent licensees of the Blue Cross and Blue Shield Association.
® Registered trademark of the Blue Cross and Blue Shield Association. ®’ Registered trademark of CareFirst of Maryland, Inc.
Off-Exchange (Medical and Rx)
Maryland
 BlueChoice HMO: 0.3%
 BlueChoice HMO HSA/HRA: -1.6%
 BlueChoice HMO Referral: 1.9%
 BlueChoice HMO Referral HSA/HRA: -2.1%
 BlueChoice Plus: 0.2%
 BlueChoice Plus HSA/HRA: -1.8%
 BlueChoice Advantage: 2.4%
 BlueChoice Advantage HSA/HRA: 1.0%
 HealthyBlue HMO: 2.5%
 HealthyBlue HMO HSA/HRA: -0.1%
 HealthyBlue Plus: 2.4%
 HealthyBlue Plus HSA/HRA: -0.3%
 HealthyBlue Advantage: 4.9%
 HealthyBlue Advantage HSA/HRA: 2.6%
 BluePreferred PPO: -1.9%
 BluePreferred PPO HSA/HRA: -3.8%
 HealthyBlue PPO: -1.8%
 HealthyBlue PPO HSA/HRA: -0.9%
Virginia
 BlueChoice HMO: 3.4%
 BlueChoice HMO HSA/HRA: 1.7%
 BlueChoice HMO Referral: 3.3%
 BlueChoice HMO Referral HSA/HRA: 1.3%
 BlueChoice Plus: 3.3%
 BlueChoice Plus HSA/HRA: 2.9%
 BlueChoice Advantage: 7.2%
 BlueChoice Advantage HSA/HRA: 7.2%
 HealthyBlue HMO: 5.9%
 HealthyBlue HMO HSA/HRA: 5.5%
 HealthyBlue Plus: 5.2%
 HealthyBlue Plus HSA/HRA: 5.3%
 HealthyBlue Advantage: 8.8%
 HealthyBlue Advantage HSA/HRA: 9.0%
 BluePreferred PPO: 10.5%
 BluePreferred PPO HSA/HRA: 11.1%
 HealthyBlue PPO: 10.5%
 HealthyBlue PPO HSA/HRA: 13.5%
ACA Dental (over 1/1/14 rate level)*
Maryland (CFMI & GHMSI)
Traditional: -6.7%
Preferred: -4.9%
DC (GHMSI)
Traditional: 0.7%
Preferred: 2.5%
Virginia (GHMSI)
Traditional: -0.9%
Preferred: 1.2%
*
Please note that the dental renewals shown are averages. Specific renewals may vary widely due to the change from tier rating to
member level rating effective 1/1/2015.
If you have any questions, please contact your Broker Sales Representative.
C. Shekar Subramaniam
Vice President, Sales
Small Medium SBU
CareFirst BlueCross BlueShield is the shared business name of CareFirst of Maryland, Inc. and Group Hospitalization and Medical Services, Inc.
CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. are both independent licensees of the Blue Cross and Blue Shield Association.
® Registered trademark of the Blue Cross and Blue Shield Association. ®’ Registered trademark of CareFirst of Maryland, Inc.