Choose the Right Plan
We can help you select the right Service Benefit Plan option to combine with Medicare.
Combining your Service Benefit Plan coverage with Medicare is a choice. Our three plan options provide the coverage and benefits you need today and as your healthcare needs change throughout retirement.
Covering the things Medicare doesn’t cover
Combining coverage gives you access to benefits not covered by Medicare. See 2022 benefit updates and rates here.
| 2021 Standard Option | 2021 Basic Option | 2021 FEP Blue Focus | |
|---|---|---|---|
| Hearing Aids |
Receive an allowance of up to $2,500 every five years for the purchase of hearing aids and hearing aid supplies Get hearing aid discounts through our Blue365® Discount Program. You can combine this discount with the hearing aid benefit above. |
Receive an allowance of up to $2,500 every five years for the purchase of hearing aids and hearing aid supplies |
Get hearing aid discounts through our Blue365® Discount Program. |
| Routine Foot Care | If you have a long-term condition such as diabetes, your Service Benefit Plan coverage will cover necessary routine foot care, and when combined with Medicare coverage, you’ll pay nothing out-of-pocket for these treatments. | If you have a long-term condition such as diabetes, your Service Benefit Plan coverage will cover necessary routine foot care, and when combined with Medicare coverage, you’ll pay nothing out-of-pocket for these treatments. | If you have a long-term condition such as diabetes, your Service Benefit Plan coverage will cover necessary routine foot care, and when combined with Medicare coverage, you’ll pay nothing out-of-pocket for these treatments. |
| Overseas Care |
All three of our plans cover you abroad. Learn more about overseas coverage. |
All three of our plans cover you abroad. Learn more about overseas coverage. |
All three of our plans cover you abroad. Learn more about overseas coverage. |
| Acupuncture | Receive up to 24 visits per year at no cost to you | Receive up to 10 visits per year at no cost to you | Receive up to 10 visits per year at no cost to you |
| Dental Care | We'll pay up to the fee schedule amount listed in the Standard Option brochure for dental services | You pay nothing for preventive dental services (up to 2 cleanings a year) | No benefit |
Prescription drug coverage
Medicare Part A and Part B don’t include prescription drug coverage, but your Service Benefit Plan coverage does.
Here’s what you’ll pay for a 30-day supply:
| Standard Option | Basic Option | FEP Blue Focus | |
|---|---|---|---|
| Mail Service Pharmacy |
Tier 1: $10 copay Tier 2: $90 copay Tier 3: $125 copay |
Tier 1: $20 copay Tier 2: $100 copay Tier 3: $125 copay |
No benefit |
| Preferred Retail Pharmacy |
Tier 1: $5 copay Tier 2: 30% of our allowance Tier 3: 50% of our allowance Tier 4: 30% of our allowance Tier 5: 30% of our allowance |
Tier 1: $10 copay Tier 2: $50 copay Tier 3: 50% of our allowance ($60 min) Tier 4: $60 copay Tier 5: $80 copay |
Tier 1: $5 copay Tier 2: 40% of our allowance ($350 max) |
| Specialty Pharmacy |
Tier 4: $65 copay Tier 5: $85 copay |
Tier 4: $80 copay Tier 5: $100 copay |
Tier 2: 40% of our allowance ($350 max) |
The prescription drugs covered in each tier vary by plan. Check our approved formularies to see what’s covered.
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.Check Drug Costs
Our Prescription Drug Cost Tool lets you check drug costs 24/7, see if your drug is covered under your selected plan and compare costs of covered drugs for all three plans.
Explore More
Get Reimbursed
With a Medicare Reimbursement Account, Basic Option members can get up to $800 back.
Learn MoreUse Your Benefits
Learn how to get the most out of your Service Benefit Plan coverage with Medicare.
Learn MoreView Our Guide
Learn more about the benefits of combining Medicare coverage with the Service Benefit Plan.
Learn More