Evaluate your options. Compare basic features of our two traditional Blue Cross and Blue Shield options - Standard Option and Basic Option, plus Basic Consumer Option (a sub-option of Basic Option) when you use network providers.
Please note: Basic Consumer Option is currently available in select areas. You can find out if you are eligible for this program by entering your ZIP code on the Basic Consumer Option Overview page.
2009 Standard and Basic Option Benefit Comparison
| Standard Option | Basic Option | Basic Consumer Option, a sub-option of Basic Option | |
|---|---|---|---|
Plan description |
Benefit plan with an annual deductible which provides the freedom to receive benefits for covered services performed by both Preferred and Non-preferred providers |
Benefit plan without an annual deductible. Members must use a Preferred provider to receive benefits |
A high deductible health plan (HDHP) that provides preventive care and traditional medical coverage subject to a high deductible when members use a Preferred provider. It is coupled with a Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA) that may be used to pay for qualified medical expenses. NOTE: This is only available to Service Benefit Plan members living in select service areas |
Preventive care |
$20 copayment for office visit |
$25-30 copayment for office visit |
100% coverage |
Catastrophic Protection |
Yes |
Yes, but you must use Preferred Providers |
Yes, but you must use Preferred Providers |
Annual deductible |
|
$0 |
|
HSA/HRA eligible |
No |
No |
Yes |
Premium Pass Through contribution |
$0 |
$0 |
|
Your annual premium cost (Non-Postal) |
|
|
|
Your annual premium cost (Postal) |
|
|
|
Non-network providers
When you choose Non-network facilities and Non-participating professionals under Standard Option, your out-of-pocket expenses are greater. You are responsible for any deductible and coinsurance amounts, as well as the difference between the provider's charge and our allowance. Basic Option and Basic Consumer Option do not provide benefits for services rendered by Non-preferred providers except in certain situations, such as emergency care.