BCBS Fed Standard out-of-network coverage

[Anonymous]

Does anyone have experience using an out-of-network doc with BCBS federal (standard plan)? On the website, it says that once the deductible is met, an office visit, for example, could cost you $185. Is the coverage really that minimal?

[Anonymous]

Not sure of specifics with your plan, but yes, out of network coverage is generally minimal to incentivize you to use an in network provider.

[Anonymous]

They pay some percentage of the BCBS standard rate for the service/visit, but the provider can charge you whatever he/she wants. You pay the provider in full, and BCBS sends you a check for their portion of what they think the rate should be.