Compare Our Plans

See the differences between benefits and coverage for our three plan options side by side.

Get the details

Get a convenient summary of these options.

FEP Blue Focus ®

• Has a deductible
• Must see Preferred providers
• Out-of-pocket costs include deductible, copays and coinsurance
• Earn a reward for getting annual physical

FEP Blue Basic™

• Has no deductible
• Must see Preferred providers
• Most out-of-pocket costs are copays
• Can get Medicare Part B premium reimbursement
• Earn up to $170 in rewards with the Wellness Incentive Program

FEP Blue Standard™

• Has a deductible
• Can see any provider, even outside the network
• Out-of-pocket costs include deductible, copays and coinsurance
• Access to Mail Service Pharmacy Program
• Earn up to $170 in rewards with the Wellness Incentive Program

2024 Plan Rates

These rates do not apply to all enrollees. If you are in a special enrollment category, contact the agency or Tribal employer that manages your health benefits enrollment.

2024 Compare Benefits Chart

See costs for typical services when you use Preferred providers.

• $35 copay for primary care 1
• $45 copay for specialists 1
• $35 copay for mental health visits

• $30 copay for primary care
• $40 copay for specialists
• $30 copay for mental health visits

• $0 for first 2 visits and all nutrition visits
• $10 all additional visits

• $0 for first 2 visits and all nutrition visits
• $15 all additional visits

• $0 for first 2 visits and all nutrition visits
• $10 all additional visits

Preferred Retail Pharmacy ^ :

• Tier 1 (Generics): $5 copay
• Tier 2 (Preferred brand): 40% of our allowance ($350 maximum)

Mail Service Pharmacy:

Specialty Pharmacy ^ :

Preferred Retail Pharmacy ^ :

If you have Medicare Part B primary, your costs for prescription drugs may be lower.

• Tier 1 (Generics): $15 copay
• Tier 2 (Preferred brand): $60 copay
• Tier 3 (Non-preferred brand): 60% of our allowance ($90 minimum)
• Tier 4 (Preferred specialty): $85 copay
• Tier 5 (Non-preferred specialty): $110 copay

Mail Service Pharmacy:

Available to members with Medicare Part B primary only. Visit the Medicarepage for more information.

• Tier 1 (Generics): $20 copay
• Tier 2 (Preferred brand): $100 copay
• Tier 3 (Non-preferred brand): $125 copay

Specialty Pharmacy ^ :

• Tier 4 (Preferred specialty): $85 copay
• Tier 5 (Non-preferred specialty): $110 copay

Preferred Retail Pharmacy:

If you have Medicare Part B primary, your costs for prescription drugs may be lower.

• Tier 1 (Generics): $7.50 copay ^ :
• Tier 2 (Preferred brand): 30% of our allowance
• Tier 3 (Non-preferred brand): 50% of our allowance
• Tier 4 (Preferred specialty): 30% of our allowance ^ :
• Tier 5 (Non-preferred specialty): 30% of our allowance ^ :

Mail Service Pharmacy:

• Tier 1 (Generics): $15 copay
• Tier 2 (Preferred brand): $90 copay
• Tier 3 (Non-preferred brand): $125 copay

Specialty Pharmacy ^ :

• Tier 4 (Preferred specialty): $65 copay
• Tier 5 (Non-preferred specialty): $85 copay

Preferred Retail Pharmacy ^ :

• Tier 1 (Generics): $5 copay
• Tier 2 (Preferred brand): 40% of our allowance ($350 maximum)
• Tier 3 (Non-preferred brand): 40% of our allowance ($350 maximum)
• Tier 4 (Specialty): 40% of our allowance ($350 maximum)

Preferred Retail Pharmacy ^ :

• Tier 1 (Generics): $10 copay
• Tier 2 (Preferred brand): $45 copay
• Tier 3 (Non-preferred brand): 50% of our allowance ($60 minimum)
• Tier 4 (Specialty): $75 copay

• Mail Service Pharmacy:
• Tier 1 (Generics): $15 copay
• Tier 2 (Preferred brand): $95 copay
• Tier 3 (Non-preferred brand): $125 copay
• Tier 4 (Specialty): $150 copay

Preferred Retail Pharmacy ^ :

• Tier 1 (Generics): $5 copay
• Tier 2 (Preferred brand): 15% of our allowance
• Tier 3 (Non-preferred brand): 50% of our allowance
• Tier 4 (Specialty): $60 copay

Mail Service Pharmacy:

$35 per evaluation; up to 2 evaluations per year

• Earn $50 for completing the Blue Health Assessment3
• Earn up to $120 for completing three eligible Daily Habits goals. 3

• Earn $50 for completing the Blue Health Assessment3
• Earn up to $120 for completing three eligible Daily Habits goals. 3

• Self Only: $9,000
• Self + One and Self & Family: $18,000

• Self Only: $6,500
• Self + One and Self & Family: $13,000

• Self Only: $6,000
• Self + One and Self & Family: $12,000

• Self Only: $500
• Self + One and Self & Family: $1,000

Cost sharing may not apply or may be different if Medicare is your primary coverage (it pays first).

• * Deductible applies.
• ** Please see brochure for covered lab services.
• ^ What you’ll pay for a 30-day supply of covered drugs.
• 1 You pay 30% of our allowance for agents, drugs and/or supplies you receive during your care.
• 2 Up to 10 visits combined for chiropractic care and acupuncture.
• 3 You must be the contract holder or spouse, 18 or older, on a FEP Blue Standard OR FEP Blue Basic plan to earn incentive rewards.
• 4 You must be the contract holder or spouse, 18 or older, on an FEP Blue Focus plan to earn this reward.

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 (FEP Blue Standard and FEP Blue Basic: RI 71-005; FEP Blue Focus: RI 71-017). All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochures.

Not sure which plan is right for you?

Our AskBlue SM FEP Medical Plan Finder tool can help you select the right option for your needs.

• National Information Center 1 (800) 411-BLUE

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