Reply to Rates for FEHB 2025 are out

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[quote=Anonymous]I switched from BCBS Basic to GEHA HDP a couple years ago and there are pros and cons.  There are a LOT more paperwork holy moly.  It is annoying not knowing how much you will have to pay upfront, and though preventative care is technically covered, I always still end up paying for something for each checkup (like paying extra for labwork that i swear used to be all covered under BCBS).  And anything that isn't covered as preventative will cost you an arm and leg.  Yes, I know mathematically it still comes out ahead compared with BCBS but i do that that it deters from going to the doctor because of that marginal out of pocket cost.

It is mathematically a better deal than BCBS regardless of whether you hit that deductible.  And it is super nice to have a HSA account vs that annoying FSA.  I love not having to worry about oversaving or wasting funds.  I had a health issue a few years ago when I had BCBS and they flat out refused to cover some treatment and from that point on, it feels super nice to know that I have a fat health fund set aside just in case. [/quote]

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