# CareFirst vs ZTF

The clearest difference is review sentiment: ZTF at 100% against CareFirst's 1%. ZTF also leads on rating (5.0 vs 1.1) and update cadence (monthly vs every 2 months). CareFirst's advantage is ratings volume (2K vs 4) and monetization model (free vs ad-supported). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ZTF holds the better App Store score, 5.0 against 1.1. That said, the two scores are not equally well evidenced: CareFirst has 2K ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 1% of CareFirst's written reviews are positive against 100% of ZTF's.

CareFirst ships an update every 2 months, ZTF monthly. The most recent releases landed on October 16, 2026 and September 15, 2026 respectively.

## The numbers

| Metric | CareFirst | ZTF |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.1 (2K ratings)](https://appshunter.io/ios/app/carefirst/id601398952/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/ztf/id6739738546/reviews)** |
| Number of ratings | **2K** | 4 |
| Positive reviews | 0.5% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | **Free** | Ad-supported |
| Size | 80 MB | 58 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 12+ |
| Developer | [CareFirst, Inc.](https://appshunter.io/developer/601398955) | [Manoel Fangmo Djouokep](https://appshunter.io/developer/1699489606) |

## What reviewers say

### CareFirst

[App page](https://appshunter.io/ios/app/carefirst/id601398952)

Manage your health insurance on the go. Access claims, deductibles, ID cards, and find nearby providers. Securely manage your account and communication preferences.

**Highlights:** Manage health insurance, View claims and deductibles, Downloadable ID cards, Find providers and urgent care, Register for My Account, Update communication preferences

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Decent mobile website experience

**What reviewers complain about**

- 🐛 Constant crashes and bugs
- 🐛 Unreliable login and verification process
- 🐛 Laggy and slow performance
- 👎 Frustrating and unintuitive user interface
- 👎 Lack of basic app functionality

**Reported bugs**

- App crashes on login
- Password field scrolls to bottom of screen
- Verification codes not working
- Frequent app freezes and lockouts

**Requested features**

- Biometric login support
- Seamless integration with password managers
- Improved navigation and information accessibility
- Regular app updates and bug fixes


### ZTF

[App page](https://appshunter.io/ios/app/ztf/id6739738546)

This fitness application assists personal trainers in monitoring their clients' progress and ensuring accountability. It provides a platform for trainers to manage client relationships and drive adherence to fitness plans.

**Highlights:** Client accountability tracking, Personal trainer tools, Fitness plan management, Progress monitoring

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is CareFirst free?

CareFirst is free to download, with no in-app purchases.

### Is ZTF free?

ZTF is free to download, with no in-app purchases.

### Which has better reviews, CareFirst or ZTF?

ZTF is rated higher. CareFirst averages 1.1 out of 5 from 2K ratings, while ZTF averages 5.0 from 4 ratings.

### Do CareFirst or ZTF have ads?

Neither CareFirst nor ZTF shows ads.

### Which is updated more often, CareFirst or ZTF?

CareFirst ships an update every 2 months, and ZTF monthly. Most recently, CareFirst was updated on October 16, 2026 and ZTF on September 15, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*