The coverage and rates aren't that bad, but the two areas where Care First fails are in accessibility, and prompt payments of claims.
Out of about 20 doctor's visits in the past 12 months roughly half of those claims were paid incorrectly. When you try to get someone on the phone you can end up waiting up to 20 minutes to talk to someone, and then wait another 20-30 minutes as you're put on hold again for about 2-3 minutes to get an answer for every question you ask. Ironically the first time I called them I was told I could have used their web interface to ask a question and avoid the hold time, I had tried their web interface twice in the preceding 5 days and never got a reply (I think the promised reply time was either 24 or 48 hours).
I've now been trying to get a claim paid for over 2 months without success. I was promised a call back 5 weeks ago which never happened, and now I'm left waiting on a business analyst to correct a code in their system in order to get this fixed, with no estimate on how long it'll take, and no way to contact the business analyst department or division directly.