There is no medical exam, no downpayment required, and if approved you do not have to buy, but do no cancel any coverge you currently have until you are approved by the insurane carrier. This is the oldest plan that Carefirst offers, and it is a major medical plan with $1 million in coverage You can pick your deductible and your doctor too. The higher you the deductible the cheaper the monthly rate. If you would like a quote now: