I am a retired federal employee. My Wife and I both have Medicare Part B along with BC/BS basic plan. In the last 5 years my wife had 2 new hip replacements and 2 new shoulder replacements. There was no out of pocket expenses, not even for all physical therapy. However, we always find a BC/BS preferred provider. My opinion is that if you go to a preferred provider of BC/BS, which there is never any problem finding, why pay the extra premium for BC/BS standard option when the basic option is so much less.
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