We provide benefits to more than 100,000 federal and postal employees and their families in Massachusetts through the Federal Employee Program (FEP). Members have the choice of three preferred provider organization (PPO) medical plans—Standard Option, Basic Option, and FEP Blue Focus—and a dental supplement plan.
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What is the difference between Blue Cross Blue Shield basic and FEP blue focus?
Standard Option gives you the flexibility to receive care both in and out-of-network. With Basic Option, you can enjoy no deductible with care from in-network providers. FEP Blue Focus offers quality healthcare coverage from in-network providers, plus budget-friendly benefits.
What is FEP blue?
Washington – Today the Blue Cross and Blue Shield (BCBS) Government-wide Service Benefit Plan, also known as the Federal Employee Program® (FEP®), introduced FEP Blue FocusSM, a new coverage option for the federal workforce and retirees in the Federal Employees Health Benefits (FEHB) Program.
Why is BCBS standard better than basic?
There are some services not covered under Basic but covered under Stanard, and Standard allows you to go out of network, while Basic has zero coverage at domestic non-PPO providers except for emergency care.
Is FEP the same as FEHB?
The Blue Cross and Blue Shield Service Benefit Plan, also known as the Federal Employee Program® (FEP®), has been part of the Federal Employees Health Benefits (FEHB) Program since its inception in 1960.
Does Fepblue cover IVF?
Benefit Description Not covered: The services listed below are not covered as treatments for infertility or as alternatives to conventional conception: Assisted reproductive technology (ART) and assisted insemination procedures, including but not limited to: Artificial insemination (AI) In vitro fertilization (IVF)
What kind of insurance do federal employees have?
Program Description Federal Employees Health Benefits (FEHB) Program http://www.opm.gov/healthcare- insurance/healthcare/ FEHB provides comprehensive health insurance. You can choose from fee-for-service plans, health maintenance organizations, consumer-driven plans and high deductible health plans.
What state is BCBS Federal Employee Program?
BCBSA corporate headquarters are located at 225 North Michigan Avenue, Chicago, Illinois 60601.
Does Federal Blue Cross Blue Shield cover international travel?
The Blue Cross and Blue Shield Service Benefit Plan has you covered worldwide. If you need medical care outside the U.S, Puerto Rico, and the U.S. Virgin Islands you can rest assured that the Blue Cross and Blue Shield Service Benefit Plan offers worldwide coverage.
How do I submit a claim to BCBS FEP?
- You can fax the form, along with proof that you paid a Medicare Part B premium, to 877-353-9236.
- You can upload the form through the EZ Receipts mobile app, available at the App Store® and Google Play™.
- You can upload the form through the online portal.
Which health insurance company has the highest customer satisfaction?
Kaiser Permanente takes MoneyGeek’s top spot for the highest-rated health insurance provider in the country, with an overall score of 4.28 out of 5. Kaiser Permanente is a national leader in managed care and consistently receives high marks for quality and customer satisfaction.
Is HMO or PPO better?
HMO plans typically have lower monthly premiums. You can also expect to pay less out of pocket. PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers both in and out of network without a referral. Out-of-pocket medical costs can also run higher with a PPO plan.
What company offers best health insurance?
- Best customer service: Aetna.
- Best overall customer satisfaction: Blue Cross Blue Shield.
- Best for pharmacy programs: Cigna.
- Best benefits available: United Healthcare.
- Best for dental benefits: Ambetter.
- Best for Medicare coverage: Humana.
How do I choose a federal health insurance plan?
The best strategy to choose a plan is to use the estimated yearly cost for a family like yours as the primary factor in plan selection. This considers that none of us can predict whether we may have a heart attack, a stroke, cancer, or other costly conditions that can strike unexpectedly.
What is out of pocket maximum?
The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.
What happens to my FEHB when I turn 65?
Your FEHB coverage will continue whether or not you enroll in Medicare. If you can get premium-free Part A coverage, we advise you to enroll in it. Most Federal employees and annuitants are entitled to Medicare Part A at age 65 without cost.
Do I need Medicare Part B if I have Federal Blue Cross?
Federal Employee Health Benefits (FEHB) plans continue paying primary for retirees who do not enroll in Medicare Part B. FEHB is only secondary if you enroll in Part B. Whether to enroll in Part B or use FEHB as primary coverage is a personal decision, based on your individual circumstances.
Do federal retirees need Medicare Part B FEHB?
Unlike most people with retiree coverage, who must enroll in Medicare Part A and Part B when they’re first eligible, enrollment in Medicare is not mandatory if you have federal retiree coverage through the Federal Employee Health Benefits Program (FEHB).
Does Fehb cover infertility?
FEHB Carriers currently cover the diagnosis and treatment of infertility; however, more could be done to assist with the financial burden of ART21 treatment for those who may require it.
Does FEP blue cover vasectomy?
Notes: We also provide benefits for professional services associated with tubal ligation/occlusion/blocking procedures, vasectomy, and with the fitting, insertion, implantation, or removal of the contraceptives listed above at the payment levels shown here.
What major changes are taking place in 2022 for FEP specialty members?
We increased the out-of-pocket maximum for all three plans. The individual out-of-pocket maximum will increase by $1,000 and the family (Self + 1 and Self & Family) out-of-pocket maximum will increase by $2,000 for each plan. EKGs will be covered under your regular medical benefits instead of your preventive benefits.
What health insurance do most federal employees have?
The Federal Employees Health Benefits (FEHB) program is the largest employer-sponsored health insurance program in the world, covering more than 8 million Federal employees, retirees, former employees, family members, and former spouses.
Do federal employees get benefits for life?
Federal Employees’ Group Life Insurance (FEGLI) The Federal Employees’ Group Life Insurance Program (FEGLI) covers over 4 million federal employees, retirees, and family members.
What is the average pension of a federal employee?
In the latest data from 2019, the figures were as follows: Median pension income: $ 47,357. Average Retirement Income: $ 73,288.
Is Capital Blue Cross the same as Blue Cross Blue Shield?
Capital BlueCross is an independent licensee of the BlueCross BlueShield Association. For more information, visit capbluecross.com or CapitalBlueStore.com.