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Expectant and Postpartum Moms
Reply to "Federal Employees Health Insurance - which has the best maternity coverage?"
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[quote=Anonymous][quote=Anonymous]Sounds like BSBS standard is very good. It was one of the highest ranked according to consumer checkbook. Has anyone had any issues with prescription coverage? I also have Aetna and dealing with the mail order pharmacy is a nightmare. [/quote] BCBS Standard is very good, but it is also more expensive than most other federal plans. I have had it five years. Overall, I am satisfied, [b]but not because of prescription coverage[/b]. I only use in-person pharmacy. Their mail order is a hassle (and the pricing system is completely different, see the brochure). For in person, prescription coverage depends very much on the type of medicines you get because you pay a percentage. I've paid everything for 78 cents to $350 in co-insurance. Obviously, I would have been better off paying a set co-pay at the high end, and drugs can get very expensive if you use expensive name brands. Also, they have gotten a lot more aggressive of late on charging you a higher percent co-insurance for "non-preferred" brands and expanded the list of "non-preferred" brands, including my prenatal vitamins. This did not used to be an issue with BCBS Standard. I'm a little peeved with them. I feel like they are strong-arming me into the brands of their choice, rather than my preference. [/quote]
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