What is BCBS FEP and Why You Should Consider It

BCBS FEP is a unique health insurance program designed specifically for federal employees and retirees. It's a game-changer for those who qualify.

BCBS FEP is administered by Blue Cross Blue Shield, one of the most trusted health insurance providers in the country. This partnership brings together the expertise of Blue Cross Blue Shield with the needs of federal employees and retirees.

The program offers a range of benefits, including lower premiums, a wider network of providers, and better customer service. As a result, many federal employees and retirees have found BCBS FEP to be a more affordable and effective option for their health insurance needs.

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BCBS FEP is a prescription drug plan with a Medicare contract, and enrollment in it depends on contract renewal. This plan is designed to help eligible members with Medicare get lower out-of-pocket costs for higher cost drugs and additional approved prescription drugs in some tiers.

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You can enroll in FEP Blue Basic, which offers lower out-of-pocket costs for higher cost drugs and additional approved prescription drugs in some tiers. The plan has a Tier 1 (Generics) copay of $10 for a 30-day supply at a preferred retail pharmacy, and $15 copay at a mail service pharmacy.

Here's a breakdown of the copays for different tiers at a preferred retail pharmacy:

BCBS FEP is a health insurance program designed for federal employees and retirees. It's a unique program that offers a range of benefits and services.

The program is administered by Blue Cross and Blue Shield (BCBS) and is available to eligible federal employees and retirees. BCBS FEP is a self-funded program, meaning that the federal government pays the claims directly to the providers.

BCBS FEP has a network of over 90,000 providers across the US, making it a convenient option for those who need medical care. The program also offers a range of services, including pharmacy benefits, dental, and vision care.

Eligible federal employees and retirees can enroll in BCBS FEP during their annual open enrollment period or during a special enrollment period. The program offers a range of plan options, including HMO, PPO, and EPO plans.

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BCBS FEP offers a range of benefits and features that make it an attractive option for individuals and families.

The program provides health, dental, and vision insurance, as well as a pharmacy benefit, to eligible members.

With BCBS FEP, members can choose from a variety of health plans that cater to different needs and budgets.

Members can also take advantage of additional benefits, such as wellness programs and disease management resources.

BCBS FEP's health plans offer a range of deductibles, copays, and coinsurance options to suit different financial situations.

The program's pharmacy benefit covers prescription medications, including generic and brand-name options.

BCBS FEP's dental and vision plans provide coverage for routine care, such as cleanings and eye exams, as well as more complex procedures.

Members can also access a network of healthcare providers, including primary care physicians and specialists.

BCBS FEP's wellness programs and disease management resources are designed to help members manage chronic conditions and maintain overall health.

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The cost of BCBS FEP premiums varies depending on the option you choose. In 2019, the Standard Option had the highest biweekly premiums.

Self Only premiums under the Standard Option were $112.23 biweekly. That's a significant cost, but it's essential to consider the level of coverage you need.

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

The Basic Option had the lowest biweekly premiums, making it a more affordable choice. However, it's crucial to weigh the cost against the level of coverage you require.

The Standard Option premiums for 2019 were $112.23 for Self Only, $256.54 for Self Plus One, and $268.21 for Self and Family biweekly premiums.

The Basic Option premiums for 2019 were significantly lower, with Self Only biweekly premiums costing $73.72, Self Plus One biweekly premiums costing $170.57, and Self and Family biweekly premiums costing $177.24.

The FEP Blue Focus Premiums in 2019 were the lowest of the three options, with Self Only biweekly premiums costing $53.14, Self Plus One biweekly premiums costing $114.25, and Self and Family biweekly premiums costing $125.67.

Here's a summary of the biweekly premiums for each option:

These differences in premiums can have a significant impact on your budget, especially if you're considering enrolling in a plan.

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BCBS FEP offers a range of coverage options to suit different needs.

The standard coverage option is the TRICARE Prime program, which provides comprehensive medical, pharmacy, and dental benefits to eligible beneficiaries.

You can also opt for the TRICARE Extra program, which offers more flexibility in choosing healthcare providers and services.

This program is ideal for those who want to see a primary care manager (PCM) but also have the freedom to see specialists without a referral.

Dental coverage is a crucial aspect of overall health, and having a reliable plan can make all the difference. BCBS FEP Dental offers comprehensive coverage to eligible individuals.

With a large nationwide network of over half a million in-network dentists, you can find a trusted provider near you. Use the Find a Dentist tool or call 1-855-504-2583 for assistance.

Preventive services like exams, cleanings, X-rays, and sealants are covered in-network, with no waiting period. This means you can get the care you need right away.

Two plan options are available: High Option and Standard Option. Depending on your needs, you can choose Self Only, Self Plus One, or Self and Family coverage.

Here's a breakdown of what you can expect to pay with the Standard Option:

This table shows the significant cost savings you can enjoy with BCBS FEP Dental coverage.

Vision Plans cover frames, lenses, and eye exams. This is great news for those who need glasses or contacts.

BCBS FEP Vision plans are specifically designed for federal employees, retirees, retired uniformed service members, and active duty family members. This means you can rely on these plans for your eye care needs.

You can review the vision plans in more detail by following the link provided. Take a look and see which plan is right for you.

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FEP Blue Basic with Medicare is a great option for eligible members with Medicare. It offers lower out-of-pocket costs for higher cost drugs and additional approved prescription drugs in some tiers.

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You can get your prescription drugs filled at a preferred retail pharmacy, mail service pharmacy, or FEP Specialty Pharmacy. The copays vary depending on the tier and type of pharmacy.

Here's a breakdown of the copays for a 30-day supply of covered drugs:

Keep in mind that your costs for prescription drugs may be lower if Medicare is your primary coverage. You'll pay 30% of our allowance for agents, drugs, and/or supplies you receive during your care under FEP Blue Basic.