Health Benefits

View the Employee Benefit Guide for a description of all the benefits available to City employees. 

Health Benefit Plan Options

The City offers nine different health benefit plan options to employees. The City pays 80% of the insurance premiums and the employee pays 20%. A brief description of each is listed below. 

HDHMO: CareFirst High Deductible HMO with Health Savings Account, with Rx (vision and dental optional*)

With this plan you must stay in the network. Most medical and prescription expenses are subject to a deductible that will be funded by the City through a Health Savings Account. After the deductible is met, you will pay office visit and prescription co-pays. The co-pays are $20 for primary care providers and $30 for specialists. 

Preventive care will be covered in full with no deductible or co-payments. It includes:

  • well-child visits
  • adult physicals
  • routine gynecological visits
  • mammograms and cancer screenings
  • Health and prescription coverage are provided by CareFirst

 *You may also choose to have vision and dental coverage with this plan. Dental coverage is provided by United Concordia. Vision coverage is provided by VSP.

BlueChoice Advantage Open Access Plan (POS*) with Rx (Dental and Vision Optional)

Advantage Plan

With this plan you have the option to see providers outside of the Carefirst network. However, it is important to note that there will be a deductible to meet for any services provided by out-of-network providers. The out-of-network deductible for single coverage is $500, and 2 or more is $1,000. Carefirst will cover 70% of out-of-network costs once the deductible has been met. If you stay within the network of providers there is no deductible to meet, you just pay co-pays. The co-pays for in-network primary care providers is $30 and specialists are $40.  

Preventive care will be covered in full with no deductible or co-payments for in-network providers. Out-of-network providers benefit is 30% of allowed benefit. Preventive care includes:

  • well-child visits
  • adult physicals
  • routine gynecological visits
  • mammograms and cancer screenings

Health and prescription coverage is provided by Carefirst. You may choose vision coverage provided by VSP and/or dental coverage provided by United Concordia.

* Point of Service

Vision Coverage: [Under VSP*]

Frequency of coverage:

  • Examination and lenses once every 12 months
  • Frames once every 24 months

From participating providers:

  • Examination and lenses covered in full.
  • Frames – Frame of your choice covered up to $200.00. Plus, 20% off any out-of-pocket costs   -OR-
  • Contacts – Full coverage for contact lens services plus an annual supply of contacts after a $50 co-pay. This is in addition to prescription glasses covered under the base plan

From non-participating providers (Out-of-Network Reimbursement Amounts):

  • Examination up to $46
  • Single vision lenses up to $55
  • Lined Bifocal up to $75
  • Lined trifocal up to $95
  • Progressives up to $95
  • Frames up to $45
  • Elective Contacts up to $105
  • Necessary Contacts up to $210 (medically necessary)

* Vision Services Plan

Dental coverage

Dental coverage is provided by United Concordia Advantage Plus Network. The Concordia Flex Plan benefits are:

Benefit Category1




Class I – Diagnostic/Preventive Services










Bitewing X-rays

All Other X-rays

Cleanings & Fluoride Treatments


Space Maintainers

Palliative Treatment

Class II – Basic Services

Basic Restorative (Fillings)









Simple Extractions

Repairs of Crowns, Inlays, Onlays, Bridges & Dentures


Nonsurgical Periodontics

Surgical Periodontics

Complex Oral Surgery

General Anesthesia

Class III – Major Services

Inlays, Onlays, Crowns





Prosthetics (Bridges, Dentures)


Orthodontics for dependent children to age 19

Diagnostic, Active, Retention Treatment



Included Plan Features


The College Tuition Benefit – College Savings Program

  • Earn Tuition Rewards points redeemable for tuition discounts
  • Receive 2,000 at signup, then 2,000 points/year
  • Each child enrolled receives a one-time bonus of 500 Tuition Rewards Points
  • One Tuition Rewards Point = $1 reduction in full tuition
  • Use Tuition Rewards points at participating private colleges and universities

Preventive Incentive

Class I services do not count toward your annual program maximum

Maternity Benefit

Covers 1 additional cleaning during pregnancy

Maximums & Deductibles (applies to the combination of services received from network and non-network dentists)

Annual Program Deductible (per person/per family)


Excludes Class I & Orthodontics

Annual Program Maximum (per person)


Excludes Class I & Orthodontics

Lifetime Orthodontic Maximum (per person)


Lifetime Implant Maximum (per person)



Advantage Plus



Waive some or all coverage offered by the City of Bowie

Employees may provide written proof to the Human Resources Office stating that they are insured under another qualified health plan, if they choose to waive City health coverage. 

Employees who select this option, will be credited $1,600 in their take-home pay, which will be spread out over 26 payrolls ($61.54 per pay).    

Employees may also choose to waive vision and dental coverage. In these instances, the City will credit an additional $200 to the employee’s take-home pay ($7.70 per pay). Employees may waive health insurance coverage and choose to take the vision and/or dental plan or they can choose to waive all coverage. The credit amounts are taxable income.