BCBS Settlement Maryland — CareFirst BlueCross BlueShield

Maryland is anchored by CareFirst BlueCross BlueShield, the largest not-for-profit health insurer in the Mid-Atlantic.

Importantly, CareFirst is a multi-jurisdiction plan: it serves Maryland, the District of Columbia, and parts of Northern Virginia (Alexandria, Arlington, Fairfax, and portions of Prince William County). Coverage in any of these CareFirst service-area jurisdictions during 2008–2020 flows through the same Subscriber settlement framework.

Where you live does not change how your payment is calculated. The court-approved plan pays claimants in Maryland exactly as it pays everyone else: your share is your “Recognized Claim” — built from the premiums (for self-funded accounts, the administrative fees) the Blue plan's records show you paid during the class period — divided by everyone's, multiplied by the net fund. The settlement publishes no state rankings, market-share weights or state payout ranges; dollar ranges quoted for individual states are estimates, not official figures.

The money is split into two pots that are paid separately: $1.78 billion for individuals, insured groups and their employees, and $120 million for self-funded accounts and their employees. Divided across the 7,774,992 claims the court approved, the average is about $244 a claim. As a rough rule of thumb (our arithmetic, not an official rate), the individual and insured-group pot pays about 54 cents per $100 of premiums: $10,000 in premiums works out to about $54, and $60,000 to about $325.

Under the court's April 24, 2026 order, shares under $200 are paid in full in the first distribution, which began May 11, 2026. Shares of $200 or more receive about 90% now, with 10% of the fund held in reserve for a later distribution. Any claimant whose share calculates to $5.00 or less receives nothing.

The local BCBS plan for Maryland is CareFirst BlueCross BlueShield, headquartered in both Baltimore and Washington, DC. CareFirst operates as an independent licensee of the Blue Cross Blue Shield Association and serves 3.4 million members across its tri-jurisdiction service area.

CareFirst products in scope for the Subscriber settlement include its commercial HMO, PPO, POS, and BlueChoice plans — fully insured plans from February 7, 2008, and self-funded (ASO) employer plans from September 1, 2015, through October 16, 2020. CareFirst also administers the Federal Employee Health Benefits (FEP) Blue Cross Blue Shield plan for 626,000+ federal employees in MD/DC/Northern Virginia — but FEP coverage is a federal government account and is excluded from the Subscriber settlement damages portion.

Payments to Maryland claimants come from the same national fund as everyone else's, under the court's April 24, 2026 distribution order (the settlement itself received final approval on August 9, 2022). The administrator, JND Legal Administration, began the initial distribution on May 11, 2026 and sends payments in batches by the method chosen on the claim — for example a prepaid card, with an activation email from distribution@bcbssettlement.com, or a mailed check. No state or regional schedule has been published, and the settlement reports no claim counts or amounts by state.

Only claimants who filed by the November 5, 2021 deadline are paid; no new claims are accepted. Shares of $5.00 or less receive nothing, shares under $200 are paid in full, and shares of $200 or more receive about 90% now, with 10% of the fund held for a second distribution that has no date yet. Checks are void if not cashed within 90 days. To see where your claim stands, use “Check my Claim Status” on bcbssettlement.com with your Unique ID or Claim Number, or call (888) 681-1142.

• Government accounts are excluded: coverage bought by the State of Maryland, its counties and cities, tribes or the federal government — whether the plan was self-funded or fully insured. That includes the State of Maryland's own employee health plan.
• Federal Employee Program (FEP) coverage is excluded as a federal government account.
• Quasi-government accounts are included if they chose their own fully insured or self-funded Blue plan — for example school districts, utilities, port and transportation authorities, government-funded hospitals and public retiree benefit plans. The administrator decides individual cases: (888) 681-1142.
• Self-funded employer plans are not excluded: they and their employees share a separate $120 million fund, for coverage from September 1, 2015 to October 16, 2020.
• Medicare Advantage policies are not part of the settlement; Medicare Supplement (Medigap) policies are, if the coverage dates fit.
• Dependents and beneficiaries, including minors on a parent's plan, are not paid; the subscriber or employee who paid the premium is.
• Coverage from insurers outside the Blue system does not count.

Source: the official settlement FAQ at bcbssettlement.com (questions 7–9 and 12).