This thread got me thinking. Another important decision once one has opted to keep FEP BCBS in addition to Part B is: Basic plan or Standard plan? Basic plan is about $140/month less than Standard (S&F).
I called BCBS to try to get help with this decision. They, of course, weren't much help since they can't express an opinion.
Seems like the biggest difference is that Basic won't cover out-of-network providers. But wouldn't the Part B Medicare cover?
Anyone out there have answers or personal experience; I.e., standard vs. Basic. I feel like we're overinsured but am afraid to make a bad decision by changing.
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