Reply to Recent fed hire. Which insurance plan?

Forum Index » Money and Finances

Reply to "Recent fed hire. Which insurance plan?"

Subject:

Emoticons





More smilies

Text Color: Font: Close Marks

[quote=Anonymous]Think about your priorities.  An HMO will be cheaper on a monthly basis but you will have less choice in providers and generally more hassle with the need for referrals for specialist visits, etc.  If you travel on a semi-regular basis, you may want a plan like BCBS that offers coverage (beyond just emergencies) outside the DC area.  Also look at dental benefits.  Most Federal plans don't have much dental coverage but some do pay for cleanings and X-rays.  If you have good teeth you may not need much else.  I suspect BCBS will have the best selection of in-network therapists to choose from.

We have BCBS Basic and have been reasonably happy with it.  They have a huge network of participating providers and you can self-refer to specialists.  Co-pays are reasonable and the monthly costs are cheaper than with BCBS standard.  I also didn't like standard because you pay a percentage of most costs rather than a set co-pay.  Percentages can add up quickly with an expensive procedure.  [/quote]

Options

	Disable HTML in this message
	Disable BB Code in this message
	Disable smilies in this message

Review message

Search Recent Topics Hottest Topics