Which is better BCBS standard or basic?
Basic Option provides coverage for preventive dental care services only, while Standard Option provides coverage for preventive dental care and some other non-routine services.
What is basic option Medicare?
Under Basic Option you pay 30% of our allowance for agents, drugs and/or supplies you receive during your care. 2. If you have Medicare Part B primary, your costs for prescription drugs may be lower. 3.
Is FEP blue basic a HDHP?
−We now offer a high deductible health plan (HDHP) as a sub-option called basic consumer option, for members who live in certain geographic service areas (Tennessee, Ohio, Minnesota, Kansas and Missouri).
What FEP basic?
Stay in-network for care. Basic Option gives you access to our Preferred provider network that includes 96% of hospitals and 95% of doctors in the U.S.
What is out of pocket maximum?
The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include: Your monthly premiums.
What medical expenses are not covered by Medicare?
Some of the items and services Medicare doesn't cover include:Long-Term Care. ... Most dental care.Eye exams related to prescribing glasses.Dentures.Cosmetic surgery.Acupuncture.Hearing aids and exams for fitting them.Routine foot care.
Is Fehb a high deductible health plan?
A high deductible health plan (HDHP) is one of the types of health insurance plans offered through the Federal Employees Health Benefits (FEHB) program. An HDHP is associated with a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA).Nov 19, 2018
Why is self plus one more expensive than self plus family?
The reason is that a high percentage of self plus one enrollees are married older employees or retirees with no children eligible for coverage—and in terms used in the insurance industry, older people on average “consume more health care.” Be sure to pay close attention to premiums if choosing between self plus one and ...
What does no deductible mean?
Yes, a zero-deductible plan means that you do not have to meet a minimum balance before the health insurance company will contribute to your health care expenses. Zero-deductible plans typically come with higher premiums, whereas high-deductible plans come with lower monthly premiums.
What is premium conversion for health insurance?
What is premium conversion? Premium conversion reduces an employee's taxable income by the amount of his or her health insurance premium. As a result, the employee pays less tax.
Get prescriptions delivered right to your door
All Standard Option members get access to our Mail Service Pharmacy Program. It’s a convenient way to get any prescription drugs you take regularly sent to your home.
Not sure which plan is right for you?
Our AskBlue SM FEP Medical Plan Finder tool can help you select the right option for your needs.
Medical Benefits
Expand#N#Do I need to use a special network of providers with FEP Blue Focus?#N#No. FEP Blue Focus is a national program that uses the same network of Preferred providers as Standard and Basic Option. Use our National Doctor and Hospital Finder to search the directory.
Dental and Vision Coverage
Expand#N#In the FEP Blue Focus plan, are there dental benefits for routine care?#N#No, there is no coverage for routine dental exams or other dental services. Federal employees and retirees can purchase supplemental dental insurance through the Federal Employees Dental and Vision Insurance Program. Learn more at opm.gov/fedvip .
Applied Behavior Analysis (ABA)
Expand#N#Is ABA a covered service in the FEP Blue Focus plan?#N#Yes, it is a medical benefit (treatment therapy) available only for members with a diagnosis of autism spectrum disorder. Prior approval is required for ABA and all related services, including assessments, evaluations and treatment.