Blue Cross Blue Shield Basic vs Blue Focus

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Terite B
Posts: 1
Joined: Mon Nov 12, 2018 10:39 am

Blue Cross Blue Shield Basic vs Blue Focus

Post by Terite B » Mon Nov 12, 2018 10:50 am

Hello, I am a new user, a retired federal employee. My husband and I have had Blue Cross Blue Shield Basic Plan for many years now, he now has Medicare A&B so our health plan is his secondary but I have 4 years to go before Medicare eligibility and am debating whether to switch from our current plan, which is $369./mos. beginning January 2019 to Blue Cross Blue Shield Blue Focus, which is only slightly less.
Despite it being cheaper, I find it will have more out of pocket costs, much as I did when we had the Standard policy, which is much more expensive but has quite a few additional expenses built in.
At any rate, does anyone with more experience have any thoughts on this? I realize this is a brand new plan under FEHB. I am not so much concerned as my husband will have full coverage through both Medicare and BC/BS but I will not. I don't have any serious health conditions at this time, thank God, but this could change at any time as we all know.
Thanks in advance for your thoughts.

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