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CareFirst Learning Site

Your HRA Features and Options

Your account comes with many features and options that make it easy to use.

CareFirst Visa® BlueFund and Blue Rewards debit cards

Use your debit card just like you would a debit card from your bank. For many of our members, this is the simplest and quickest way access the money in their account.

If your group offers a debit card option, you automatically receive a debit card when you sign up for an account.

Follow the instructions below to request a debit card for yourself or your dependents.

To request a debit card from

  1. Sign in at and select your spending account profile.
  2. Click the My Profile menu.
  3. Choose Payment & Banking from the menu.
  4. Click Add Card
  5. Fill out the form to start the debit card request process.


This card is issued by The Bancorp Bank, pursuant to a license from Visa U.S.A. Inc. and can be used for qualified expenses wherever Visa debit cards are accepted.  


Crossover, or Crossover, is a system that allows your health plan to electronically submit your claims to CareFirst for reimbursement.  This means no paperwork for you. 

Crossover takes the place of your account's debit card.  Any existing debit cards are cancelled when signing up for Crossover.

Crossover  limitations

Crossover cannot be used if you or your covered dependents have more than one health plan.

Sign up for Crossover

If you currently have a debit card, enabling Crossover will cancel the card.

  1. Sign in at and select your spending account profile.
  2. In the main navigation menu, click My Profile.
  3. Choose Payment & Banking from the menu.
  4. Click Switch to Automatic Claim Payment
    This button will only appear if you have an active account and your employer allows Crossover.
  5. Choose from the available options.
  6. Click Save Selections.

We also recommend setting up direct deposit of reimbursements to your personal bank account.

Learn more at Automated Claim Payments.


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