Bcbs Fed Standard Vs. Basic Option

[mitzie46 116]

I have FED BCBS standard option. Can anyone tell me the difference in costs between standard and basic options? I'm in Ohio but I don't think that makes a difference.

Thanks

[erikh 2]

Standard ends up costing you alot more. I learned the hard way. The only advantage to standard is if you have to regularly use out of network doctors. I seriously injured my shoulder a few years back while on standard. I ended up with an emergency room visit, several sets of X rays, months of physical therapy, a nerve test, and a MRI with die injected into the joint. The nerve test was barely covered because I had to pay a 300 deductable, and the MRI cost me around 700 I believe. With standard you pay a percentage of what is billed, so you really do not know what you will pay until you get the bill. It all depends on who codes the bill and how it is billed. My wife had to have a cat scan on basic and we paid a flat fee of 75 bucks no copay. With standard it would of been at least 500 bucks. What is even worse is that standard costs more. With all the tests required from most docs for VSG, you will pay alot more on standard. I now pay for basic and put the difference between basic and standard in a FSA. That way I still pay the same, but the FSA covers the copays and any other expenses not covered. I would go basic when open season opens and put a good amount into a FSA and you will come out paying less out of pocket.