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Health and Medicine
Reply to "Federal BCBS- basic vs standard"
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[quote=Anonymous]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. [/quote]
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