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Federal Employees Benefits Q &A

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Jake1000  
#1 Posted : Sunday, November 10, 2019 10:20:55 AM(UTC)
Jake1000

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I presently have Empire BC/BS Basic plan. My RX Co Pays are outrageous! I keep getting bills for additional co pays, deductibles and co insurance, ect.

Can I use my wife’s plan (also Empire BC/BS Non Fed) as a secondary? She gets her plan from a hospital she works at. Her premiums are $48 per pay period. My RX co pays alone are more than that per month. I plan on getting major surgery the beginning of the year. I don’t want to be hammered with THOUSANDS of dollars in bills.

I also don’t want the headache of fighting back & forth with each insurance company to get bills paid.

I am only on the FEHB so I can carry it into retirement.

Thanks in advance!
Ed Zurndorfer  
#2 Posted : Sunday, November 10, 2019 10:50:11 AM(UTC)
Ed Zurndorfer

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Yes you can have your wife’s plan as secondary coverage. But you will have to notify your FEHB insurance plan that you have secondary health insurance coverage. Also, since you do not like your current FEHB insurance plan, why don’t you select a new plan during the current FEHB “open season”?
Jake1000  
#3 Posted : Sunday, November 10, 2019 11:44:26 AM(UTC)
Jake1000

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That’s what I’m trying to figure out, Pay $90 more per month and have my wife’s plan as a secondary. Or, pay HUNDREDS of dollars more by switching to a different FEHB plan (GHI). I’ve never had a problem with any hospital or doctor taking my present FEHB/Empire BC/BS

Ed Zurndorfer  
#4 Posted : Sunday, November 10, 2019 1:30:42 PM(UTC)
Ed Zurndorfer

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You should therefore consider different types of "scenarios" in which you are paying different amounts of money given your present FEHB plan and secondary insurance together with deductibles and co-payments. For example, what would you pay out-of-pocket if you incurred $2,000 worth of expenses, $3,000 worth of expenses, etc? Then look at other FEHB plans in order to determine which plan would result in the least amount of out-of-pocket expenses. Also, do not forget about enrolling in the health care FSA to best pay your out-of-pocket expenses.
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