Montgomery County Public Schools

Employee and Retiree Service Center→Employees→Benefits→Health Benefits→ Medical Plans

Medical Plans for Employees

 Contact your health plan

Point-of-Service (POS) Plan

A POS plan combines features of an HMO and an indemnity plan. You receive care in one of two ways. There is an in-network HMO-like component offering a full range of services provided or authorized by your primary care physician or by an in-network specialist. In addition, there is an out-of-network component similar to traditional indemnity insurance.

More information about the POS plan:

• Employee Benefit Summary (PDF)
  Provides a detailed summary of the POS plan
• Review coverage and cost of the POS plan (PDF)
  A chart listing coverage and cost of the POS plan

Your Option

• CareFirst BlueChoice Advantage POS Plan

Health Maintenance Organizations (HMO)

A health maintenance organization (HMO) plan offers a full range of services provided or authorized by your PCP or by an in-network specialist. You may only receive benefits for medical services and supplies received from a network provider, except in a true emergency. However, you do not have to meet a deductible before the plan pays benefits.

More information about HMO plans:

• Employee Benefit Summary (PDF)
  Provides a detailed summary of HMO plan options
• Compare coverage and cost of HMOs (PDF)
  A chart comparing coverage and cost of HMO plans

Your Options

• CareFirst BlueChoice HMO
• Kaiser Permanente HMO