BCBS Basic vs. Standard: What You Need To Know!

[@josearroyo6515]

Thank you for sharing this information I found it beneficial to me

[@TheMoneyBriefing]

Glad it was helpful!

[@Guatemaya1]

@@TheMoneyBriefing Mr please answer my question you look very knowledgeable.. my case. My kid needs a acid reflux surgery what insurance will cover it .. I’m broke and I don’t want to get on medical bills.. and my state Minnesota won’t help me pay for the surgery the cost is from 15 - 50k please answer I work for usps

[@McFaddis]

I'm probably going to change this year. The prices are becoming crazy

[@tdeb5504]

The prices (for us feds) have ALWAYS been crazy!

[@timdog1863]

This is good information. Thank you!

[@TheMoneyBriefing]

Glad it was helpful!

[@garypratt1453]

Great presentation

[@TheMoneyBriefing]

Thank you!

[@work6312]

Thank You! Any information when you have BCBS, Medicare and Tricare for Life?

[@TheMoneyBriefing]

If you're retired and have all three, Medicare will be primary, followed by BCBS, then Tricare for Life (TFL). Oftentimes, if you have TFL, you may be able to suspend BCBS and still have comprehensive coverage with very little to no out-of-pocket costs. Here is a video I did a couple of years ago on the topic: kzbin.info/www/bejne/n5rLhpSJo7Cmh7s

[@CarmenShortt]

Retirees should not have to pay that amount. Health care is out of this world.😢

[@lynyrdt]

I agree with you 100% if , retired premiums should be lower because medicare pays most of their doctors bills.

[@tesgeradaniel7085]

great and succulently presented!! wow

[@TheMoneyBriefing]

Many thanks!

[@nyokachandler5405]

I want to know how much 2025 standard Option self only is going to cost this year.

[@TheMoneyBriefing]

The bi-weekly cost will be $174.81 and the monthly cost will be $378.76 for the BCBS self-only standard coverage in 2025.

[@jeaningram292]

I have standard....do i also have plan C... prescriptions. What else is covered with plan C

[@TheMoneyBriefing]

Part C is also known as a Medicare Advantage plan. It bundles together Parts A & B, and usually Part D for prescriptions. Most federal employees do not have Part C. Instead, they typically have Parts A & B only. Your prescriptions will be covered under your BCBS Standard plan when you have both Medicare and BCBS.

[@nyokachandler5405]

Also can I get Advantage Plus BCBS if I have Medicare part A and B

[@TheMoneyBriefing]

BCBS currently doesn't have an Advantage option in the FEHB program, and you can't combine BCBS with another Advantage plan.

[@steve4248]

I'm 72, have BC Standard self +1 and Medicare A/B & live in an area with lots of providers. I have health issues and take several meds. My wife is much younger and is pretty healthy. Which is better for us, standard or basic?

[@TheMoneyBriefing]

You should check if Basic covers all your prescriptions. If it does and if you see all in-network providers, Basic would be a more affordable option with a similar level of care.

[@steve4248]

@@TheMoneyBriefing Thank you!

[@MelissaA.-nq5lt]

Am I eligible to apply for Medicare part B if i currently receive Federal Disability payments at age 51?

[@TheMoneyBriefing]

There are certain disabilities and medical conditions that qualify for Medicare before age 65. You can reach out to SSA/Medicare to see if your condition qualifies.

[@delvalle5010]

Blame the monopoly in hospitals, doctors, pharmacies, and manufacturing.

[@MrAerialsound]

Do I really need Medicare part B ---if I have BCBS basic

[@TheMoneyBriefing]

It depends on your health, financial situation, and personal preference. About 70% of federal employees enroll in Part B.

[@FBone-pj7ov]

If you are healthy you don’t need it. It is ridiculous pay a lot in heath insurances for only 1 or 2 medical appointments

[@bva5362]

13% increase 2025!!!!’

[@TheMoneyBriefing]

Yes, the average FEHB increase will be 13.5%

[@McFaddis]

It's crazy