Government working gals!!

katenney

Ok ladies--- I have a question.  We are now going to switch Dunc and myselft to Jim's insurance -- we can continue with TriCare or go to civilian insurance. So I started looking into this,  but HOLY CRAP!!! there are way to many plans to choose from. So... which plan do you use and can you give the pros and cons?

oreille

I've used the federal Aetna open-access HMO plan (no referrals needed for specialists) and the Blue Cross Blue Shield plan (basic option).

I make sure the specfic specialists that I see often are covered, and I take a lot of medications so I always check out the prescription plans.  I was happy with both plans I've used so far.

(not technically a Fed employee, but we get Fed health insurance and TSP plans).

aleesh19

I'm on Blue Cross Blue Sheild Federal I think Standard PPO. I like the option of not needing a referral for every little thing. Also I just read that basically all maternity is covered so I won't have to pay much if anything out of pocket. I'm happy with it

crows1920

i do insurance for a medical office and out of the all the federal insurances, federal bc/bs always seems to have the best coverage (but of course that's depending on what type of dr's you see, etc...)

SSM&JLM

We have the cheaper of the BCBS federal plans.  I believe that is the basic.  The additional costs of the standard isn't worth it and that one has a deductible.

Oct08b2bee

Ditto everyone else. I have BCBS Federal.

tshott

I don't know if we have the federal plan, but we do have Blue Cross Blue Shield.  Drew takes care of all of the insurance junk, so he knows more than I do.  I have loved them so far and I was very excited when I found out that I get 4 fresh IVF cycles, if we go that route.  We do have a high deductible ($3000!!!!!), but once we meet our deductible, everything is covered 100%.