Federal insurance with best mental health coverage

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I was looking at this and think GEHA Standard plan might be best. The premiums are low and after you meet your deductible, they cover 65% of out of network doctors/specialists.

65% of what? The actual charges?

They set an allowance, just like the Carefirst, and pay 65% of that.

https://www.geha.com/~/media/Files/Brochures/Health-Brochures/2017StdHighBrochure.pdf

All insurance companies set an allowance. The problem with Carefirst is that the allowance is much lower than actual charges for providers in this area. Not sure about GEHA.

[Anonymous]

It is such a scam! The "customary" rates should actually reflect the rates customarily charged in the local market.

[Anonymous]

It is a scam

[Anonymous]

Anonymous wrote:

Anonymous wrote:The difference in premiums between BCBS Basic and BCBS Standard is pretty substantial. You need to make sure you are not paying more in premiums than you would save getting some of the fees reimbursed.

The difference is less than $200 a month pre-tax. We definitely make that up between reimbursement for out of network and the other reimbursements that are better on standard (co-pays, lab work, etc.).

for me, it would be over $2,000 a year in increased premiums plus a $700 in network deductible before I saw any benefits.