Reply to Best federal employee health insurance option for families?

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Reply to "Best federal employee health insurance option for families?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I have tried many over the years and I have found Blue Cross Blue Shield Standard to be the best value for us because out doctors are on the plan.  What we are giving up is the flexibility to outside the network.  We never do, but we never have had a major health crisis either.

Of course, I have not yet seen the rates for open season.

Some of the plans for the postal workers are pretty good, I have used those in the past.[/quote]

I love BCBS PPO - can go out of plan if needed, but most doctors are in plan, including psychologists.  Prescription plan is good, and when we've had major surgeries, both emergency and otherwise, it was easy to get coverage without hoops or anything else.  Just like Apple used to be - it just worked.  The premiums also didn't go up this year (bonus). [/quote]

The thing that makes me nervous about BCBS standard is that for emergency room visits and surgeries it says 15% whereas with carefirst it is $200 (for in network).  Seems less predictable.[/quote]

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