Federal BCBS- basic vs standard

[Anonymous]

Anonymous wrote:

Anonymous wrote:My take on this is that I have health insurance primarily for catastrophic illnesses. It's great if it also minimizes my routine out of pocket costs, but what I really want it for is if a family member or I develop some serious (and expensive) condition. And in that circumstance, the best care for the condition might be out of network. So I have always had Standard. It's good coverage for routine care and if my family ever needs out of network care it is available, although at reduced coverage.

I recognize that my view on this has cost me hundreds or thousands of dollars over the years and I am okay with that.

+1 peace of mind for me, too. (Plus the mail order prescriptions.)

+1 Also in the ranks of the over-insured and am deeply grateful we paid all those extra premiums all those years.

[Anonymous]

Anonymous wrote:We have the Basic FEP and have had no problem with people accepting it -- I've never found anyone who doesn't. I'd suggest making sure all your current specialists are in-network first, just in case. Basic saves us a lot of money. I'm a fan.

+1