Compare Benefit Options for 2019

Discover some of the main differences between our Standard Option, Basic Option and FEP Blue Focus.

Enroll Now

Our Plans

Standard Option

  • Has a deductible
  • Can see any provider, even outside the network
  • Out-of-pocket costs include copayments and coinsurance

Basic Option

  • Has no deductible
  • Must see Preferred providers
  • Most out-of-pocket costs are copayments

FEP Blue Focus

  • Has a deductible
  • Must see Preferred providers
  • Out-of-pocket costs include copayments and coinsurance

Get the details

Get a convenient summary of these coverage options.

Not sure about a term or benefit?

Watch Health Insurance 101 for easy-to-understand definitions and explanations.

Need help choosing a benefit plan?

Our new and improved AskBlue for Federal Employees tool can help you select the right plan for your needs.

Get Started with AskBlue

Already Decided?

If you've already chosen a benefit plan, you can enroll or change your coverage during Open Season, which runs from November 12 - December 10, 2018. No action is needed if you want to keep your current coverage.

Enroll Now

2019 Plan Rates


Standard Option

Enrollment code Bi-weeklyMonthly
Self Only 104$112.23$243.17
Self + 1 106$256.54$555.83
Self & Family 105$268.21$581.13

Basic Option

Enrollment code Bi-weeklyMonthly
Self Only 111$73.72$159.74
Self + 1 113$170.57$369.56
Self & Family 112$177.24$384.02

FEP Blue Focus

Enrollment code Bi-weeklyMonthly
Self Only 131$53.14$115.15
Self + 1 133$114.25$247.55
Self & Family 132$125.67$272.29

Standard Option

Enrollment code Category 1Category 2
Self Only 104$109.03$99.44
Self + 1 106$249.70$229.19
Self & Family 105$260.91$239.03

Basic Option

Enrollment code Category 1Category 2
Self Only 111$70.78$61.19
Self + 1 113$163.73$143.22
Self & Family 112$169.94$148.06

FEP Blue Focus

Enrollment code Category 1Category 2
Self Only 131$51.02$44.11
Self + 1 133$109.68$94.83
Self & Family 132$120.65$104.31

Compare Benefit Options for 2019

See costs for typical services when you use Preferred providers.
View all benefits options

Download the 2019 Benefits at a Glance brochure

Benefits Standard OptionBasic OptionFEP Blue Focus
Rewards Program Contract holders and covered spouses can earn $50 for completing the Blue Health Assessment. Then, earn up to $120 for achieving three eligible Online Health Coach goals.

Learn more
Contract holders and covered spouses can earn $50 for completing the Blue Health Assessment. Then, earn up to $120 for achieving three eligible Online Health Coach goals.

Learn more
Contract holders and covered spouses can earn a reward, such as a Fitbit®, at no out-of-pocket cost for getting an annual physical.



Learn more
Preventive Care, including Nutritional Counseling You pay nothingYou pay nothingYou pay nothing
Physician Care

$25 for primary care

$35 for specialists

$30 for primary care

$40 for specialists

$10 for each for your first 10 combined professional visits

Telehealth Services $10 copay$15 copayFirst two visits are free, then $10 per visit after that
Lab and Diagnostic Services 15% of our allowance*You pay nothing2 for lab tests, pathology services and EKGs; $402 for diagnostic tests such as home sleep studies, EEGs, ultrasounds and X-rays; $1002 for angiography, bone density tests, CT scans, MRIs, PET scans, genetic testing, nuclear medicine and sleep studies in an office setting; $1502 at a hospital30% of our allowance*
Hospital Care

Inpatient: $350 per admission

Outpatient: 15% of our allowance*

Inpatient: $175 per day; up to $875 per admission

Outpatient: $100 per day per facility2

Inpatient: 30% of our allowance*

Outpatient: 30% of our allowance*

Surgical Services 15% of our allowance*

$150 in an office setting2

$200 in a non-office setting2

30% of our allowance*
Maternity Care $0 copay

$175 inpatient

$0 outpatient

$0 pre-/postnatal care; $1,500 for facility care
Urgent Care Center

$30 copay

$35 copay

$25 copay

Emergency Care

Accidental Injury: $0 within 72 hours

Medical Emergency: 15% of our allowance*

Accidental Injury and Medical Emergency: $125 per day + cost of doctor care

Accidental Injury: $0 within 72 hours

Medical Emergency: 30% of our allowance*

Prescription Drugs

See the 2019 Blue Cross and Blue Shield Service Benefit Plan brochures for information on supply and refill limits

Preferred Retail Pharmacy3:

Tier 1 (Generics): $7.50 copay

Tier 2 (Preferred brand): 30% of our allowance

Tier 3 (Non-preferred brand): 50% of our allowance

Tier 4 (Preferred specialty): 30% of our allowance

Tier 5 (Non-preferred specialty): 30% of our allowance


Mail Service Pharmacy:

Tier 1 (Generics): $15 copay

Tier 2 (Preferred brand): $90 copay

Tier 3 (Non-preferred brand): $125 copay


Specialty Pharmacy:

Tier 4 (Preferred specialty): $50 copay

Tier 5 (Non-preferred specialty): $70 copay

Preferred Retail Pharmacy3:

Tier 1 (Generics): $10 copay

Tier 2 (Preferred brand): $55 copay

Tier 3 (Non-preferred brand): 60% of our allowance ($75 minimum)

Tier 4 (Preferred specialty): $65 copay

Tier 5 (Non-preferred specialty): $90 copay


Mail Service Pharmacy:

Available to members with Medicare Part B primary only. Visit the Medicare page for more information.


Specialty Pharmacy:

Tier 4 (Preferred specialty): $70 copay

Tier 5 (Non-preferred specialty): $95 copay

Preferred Retail Pharmacy3:

Tier 1 (Generics): $5 copay3

Tier 2 (Preferred brand): 40% of our allowance ($350 max)3


Mail Service Pharmacy

Not a benefit


Specialty Pharmacy

Tier 2 (Preferred Generic specialty, and Preferred brand specialty): 40% of our allowance ($350 maximum)3

Chiropractic Care

$25 per visit; up to 12 visits per year

$30 per visit; up to 20 visits per year

$25 per visit; for up to 10 visits a year1

Dental Care The difference between the fee schedule amount and the Maximum Allowable Charge (MAC)$30 copay per evaluation; up to 2 per yearNot a benefit
Provider Care In-network and out-of-network careIn-network care only, except in certain situations like emergency careIn-network care only, except in certain situations like emergency care
How You Pay for Services Mixture of copayments and coinsuranceSet copayments for most servicesMixture of copayments and coinsurance
Out-of-Pocket Maximum (PPO)

Self only: $5,000

Self + One and Self & Family: $10,000

Self only: $5,500

Self + One and Self & Family: $11,000

Self only: $6,500

Self + One and Self & Family: $13,000

Annual Deductible

$350 per individual

$700 per family

No deductible

$500 per individual

$1,000 per family

*Deductible applies. 

1Up to 10 visits combined for chiropractic care and acupuncture. 

2Under Basic Option, you pay 30% of our allowance for agents, drugs and/or supplies you receive during your care. 

3What you’ll pay for a 30-day supply of covered drugs.

If you have Medicare primary, different cost share amounts may apply

This is a summary of the features of the Blue Cross and Blue Shield Service Benefit Plan. Before making a final decision, please read the Plan’s Federal brochures (Standard Option and Basic Option: RI 71-005; FEP Blue Focus: 71-017). All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochures.


Enroll Now

We use cookies on this website to give you the best experience and measure website usage. By continuing to use this website, you consent to these cookies.
For more information, view our privacy policy.

X