bcbs fep medical policy Overview and Benefits

Blue Cross Blue Shield Federal Employee Program (FEP) medical policy is designed to provide comprehensive coverage for federal employees and their families.

The FEP medical policy is administered by Blue Cross and Blue Shield (BCBS) and is subject to change, but it typically covers a wide range of medical services, including doctor visits, hospital stays, and prescriptions.

BCBS FEP medical policy also includes a network of participating providers, which can help reduce out-of-pocket costs for policyholders.

One of the benefits of BCBS FEP medical policy is that it covers preventive care services, such as annual physicals and screenings, at no additional cost to the policyholder.

Curious to learn more? Check out: Bcbs Fep Blue Focus

BCBS FEP medical policies are designed to ensure that you receive the best possible care for your medical needs.

The policies are based on the Blue Cross and Blue Shield Association's (BCBSA) national policies, which are reviewed and updated regularly.

BCBS FEP medical policies cover a wide range of services, including preventive care, diagnostic testing, and treatment for various medical conditions.

Preventive care services, such as annual physicals and screenings, are covered without a copayment or coinsurance.

BCBS FEP medical policies also cover mental health and substance abuse services, including counseling and therapy sessions.

These policies are designed to provide comprehensive coverage and support for your overall health and well-being.

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Telehealth Services are available to help members live better and enjoy greater access to healthcare.

FEP continues to lead the market with advanced solutions that provide members with anytime, anywhere access to quality health care services.

Telehealth services can be used for the treatment of minor acute conditions, dermatology care, behavioral health, and counseling for substance use disorders.

This benefit allows millions of federal employees and retirees to access quality health care services through multiple devices, including mobile app and web video capabilities, as well as phone.

The services will be subject to a copayment based on the member’s FEP plan.

Learn more about FEP's Telehealth Services at fepblue.org/telehealth.

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If you're enrolled in Medicare and FEP's Basic Option, you're eligible for a reimbursement account to help cover Part B premiums.

The account is available to all members on FEP's Basic Option who are enrolled in Medicare A and B, and it's worth $600.

You can submit a request for reimbursement at any time after you've paid a Medicare Part B premium.

To learn more about the reimbursement account and how to submit a request, visit fepblue.org/mra.

With FEP Blue Standard, you've got a range of benefits and services to support your health and wellbeing. Preventive care is fully covered, with no out-of-pocket costs for screenings, immunizations, and services.

You can also take advantage of virtual doctor visits with Teladoc, although this benefit is only available out-of-network. And if you need urgent care, you won't pay a copayment, regardless of whether you're in or out of network.

Here's a breakdown of some key benefits and their costs:

Remember, these benefits and services are subject to change, so it's always a good idea to check the FEP website or consult with your provider for the most up-to-date information.

You pay nothing for covered preventive screenings, immunizations, and services, whether you're in-network or out-of-network.

Preventive care is just the beginning. If you're in-network, you'll pay 15% of the allowance for surgery, lab work, diagnostic services, and chiropractic care. Out-of-network, these costs jump to 35% of the allowance.

For ER visits due to medical emergencies, you'll pay 15% of the allowance, whether you're in-network or out-of-network. But if you're in-network and visit the ER within 72 hours of an accidental injury, you won't pay a dime.

In-network, you'll pay $0 for maternity care, and just $30 per treatment for up to 12 chiropractic visits per year. Out-of-network, these costs are higher, but still capped at 12 visits per year.

Here's a breakdown of what you can expect to pay for different services:

FEP is expanding access to mental health care, providing another option for families seeking support. Marital and family counseling is now covered by FEP.

You can use this benefit to get help with family relationships and dynamics.

FEP's expanded mental health care includes counseling services that can be accessed through telehealth services.

With FEP's telehealth services, you can get quality care from anywhere, using a mobile app, web video capabilities, or a phone.

The services are subject to a copayment based on your FEP plan, and you can learn more about them at fepblue.org/telehealth.

As a Standard Option member, you'll have access to Enhanced Fertility Services, which covers Assisted Reproductive Technology services.

FEP will provide new benefits for FEP Blue Focus, Basic Option, and Standard Option members covering artificial insemination procedures with prior approval.

These procedures include intracervical insemination (ICI), intrauterine insemination (IUI), and intravaginal insemination (IVI), which often require oral and injectable drugs.

FEP will cover these drugs for covered artificial insemination procedures.

You'll also have coverage for drugs used in in vitro fertilization (IVF) procedures if you're diagnosed with infertility.

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The premiums for BCBS FEP medical policy vary depending on the plan option and coverage level. In 2019, the Self Only biweekly premium for the Standard Option was $112.23.

For those who need to cover a family member, the Self and Family biweekly premium for the Standard Option was $268.21. This is a significant increase from the Self Only premium, highlighting the importance of considering family coverage when budgeting for health insurance.

Here's a breakdown of the biweekly premiums for the Standard, Basic, and FEP Blue Focus options in 2019:

In 2019, there were significant differences in premiums across various options.

Self Only biweekly premiums for Standard Option were $112.23, while for Basic Option they were $73.72, and for FEP Blue Focus they were $53.14.

Self Plus One biweekly premiums for Standard Option were $256.54, Basic Option were $170.57, and FEP Blue Focus were $114.25.

Self and Family biweekly premiums for Standard Option were $268.21, Basic Option were $177.24, and FEP Blue Focus were $125.67.

Here's a breakdown of the biweekly premiums for each option in 2019:

In 2018, premiums for Standard and Basic Options varied depending on the type of coverage.

The biweekly premium for Self Only coverage under Standard Options was $113.16.

For those with a partner or family, the biweekly premium for Self Plus One coverage under Standard Options was $257.81, while Self and Family coverage was $271.95.

If you opted for Basic Options, you could save some money on your premiums. The biweekly premium for Self Only coverage under Basic Options was $73.72.

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Here's a quick comparison of the biweekly premiums for Self Plus One and Self and Family coverage under Standard and Basic Options:

The biweekly premium for Self Plus One coverage under Basic Options was $171.84, and for Self and Family coverage it was $180.98.

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FEP BlueVision Premiums can vary depending on your coverage level. Self Only biweekly premiums will be $5.67 in 2018.

You can expect to pay more for Self Plus One coverage, with a biweekly premium of $11.33 in 2018. Self and Family biweekly premiums will be $17.00 in 2018.

In contrast, the 2020 premiums show a decrease in costs. Self Only biweekly premiums will be $3.95. Self Plus One biweekly premium will be $7.90.

For those with Self and Family coverage, the 2020 biweekly premium will be $11.85. The FEP BlueVision network offers a range of benefits, including annual eye exams with no co-pays.

Here's a breakdown of the FEP BlueVision Premiums for different coverage levels:

The 2020 premiums show a significant increase, with Self Only biweekly premiums rising to $9.91, Self Plus One biweekly premium increasing to $19.83, and Self and Family biweekly premiums reaching $29.74.