Quote:
Originally Posted by klc1923
I get the part B. But please help me understand why "standard" would be better than "basic". Other than the prescription coverage, wouldn't the deductibles, coinsurance and copays be picked up regardless of the plan you choose?
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I had the same question since I keep trying to bring my expenses down so I called BCBS yesterday.
Essentially, Basic is like an HMO. if you want them to cover, you are restricted to specific providers. Basic will not cover out-of-network providers except in an emergency. At all. That can be significant. Another difference is that there is no mail order pharmacy benefit. There may be other differences, but the rep indicated these were the major ones.
Hope this helps.