2023 FEHB Selection Comparison

	A	B	C	D	E	F	G	H	J	K	L	M	N	O	P	Q	R	S	T	U
1		BCBS Basic	BCBS FEP Blue Focus	GEHA Standard	GEHA HDHP	Foreign Service Benefit Plan	MHBP HDHP	NALC High				BCBS Basic	BCBS FEP Blue Focus	GEHA Standard	GEHA HDHP	Foreign Service Benefit Plan	MHBP HDHP	NALC High

2	Monthly Premium	$515.48	$277.75	$392.00	$397.11	$419.74	$396.17	$457.82		Annual Premium		$6,185.76	$3,333.00	$4,704.00	$4,765.32	$5,036.88	$4,754.04	$5,493.84
3	Deductible	$0.00	$1,000.00	$700.00	$3,000.00	$600.00	$4,000.00	$600.00		HSA					1,800.00		2,400.00
4										OOPM		$13,000.00	$17,000.00	$13,000.00	$10,000.00	$7,000.00	$12,000.00	$5,000.00
5	Out of Pocket Max	$13,000.00	$17,000.00	$13,000.00	$10,000.00	$7,000.00	$12,000.00	$5,000.00		Deductible
6	HSA				$1,800.00		$2,400.00			Individual
7	Preventative Care	100%	100%	100%	100%	100%	100%	100%		Family		$0.00	$1,000.00	$700.00	$3,000.00	$600.00	$4,000.00	$600.00
8	Office Visit	$30.00	$10.00	20.00	5%	10%	$15.00	$25.00	CASES		Healthcare Costs	BCBS Basic	BCBS FEP Blue Focus	GEHA Standard	GEHA HDHP	Foreign Service Benefit Plan	MHBP HDHP	NALC High
9	Specialist	$40.00	$10.00	35.00	5%	10%	$15.00	$25.00	Zero healthcare expenses	Premium - HSA		$6,185.76	$3,333.00	$4,704.00	$2,965.32	$5,036.88	$2,354.04	$5,493.84
10	Diagnostic (X-ray, Bloodwork)	$40.00	30%	15%	5%	10%	$15.00	15%	Some healthcare expenses but not enough to reach the deductible	Difference
11	Imaging (MRI)	$100.00	30%	$250.00	5%	10%	$15.00	15%	Meeting GEHA HDHP deductible ($3000 care) exactly on December 31st	Cost for $3000 care		$6,852.43	$4,933.00	$5,749.00	$5,965.32	$5,876.88	$5,354.04	$6,453.84	Assuming negotiated doctors visit cost =	$180.00
12	OutPatient Surgery	$200.00	30%	15%	5%	10%	$225.00	15%	More than your deductible but not enough to reach the catastrophic max								$6,354.04		*Cost for Plan Deductible if greater than GEHA HDHP Deductible
13	Urgent Care	$35.00	$25.00	$35.00	5%	$35	$50.00	$25.00	Reaching catastrophic max			$19,185.76	$20,333.00	$17,704.00	$12,965.32	$12,036.88	$14,354.04	$10,493.84
14	Emergency	$250.00	30%	15%	5%	10%	$50.00	15%
15	Hospitalization	$1,500.00	30%	15%	5%	10%	$750.00	$350.00	Procedure Cases in Brochure	Baby		$6,535.76	$4,943.00	$4,774.00	$6,025.32	$5,036.88	$6,414.04	$5,498.84
16	Mental Health	$30.00	30%	$20.00	5%	10%	$15.00	15%	(Taken from plan Summary and Benefits Coverage and modified to reflect family deductibles)	Diabetes		$8,185.76	$6,253.00	$6,154.00	$6,339.72	$6,536.88	$7,474.04	$6,443.84
17	Drugs Generic	$15.00	$5.00	$10.00	25%	$10.00	$10.00	20%		Simple Fracture		$6,985.76	$4,833.00	$5,564.00	$5,765.32	$5,746.88	$3,754.04	$6,193.84
18	Preferred	$60.00	40%	50%	25%	25%	30%	30%
19	Non-Preferred	$85.00	40%	50%	40%	35%	30%	$200.00
20	Separate Deductible for Drugs?	No	No	No	No	No	No	No
21	Drug Max
22	Separate Drug OOPM							$3,100.00
23
24	Dental	Yes	NA	Yes	Yes	Yes	NA
25	Check Up	$30.00	NA	50%	$0.00	$13 off
26	Preventative			50%	0%	$23-26 off cleaning
27	Resorative				limited	limited
28	Major
29	Orthodontic	No	No	No	No	50%	No
30	Ortho Max					$1,000.00
31	Vision - Exam	$40.00	NA	$5.00	$5.00	NA	NA
32	Contact Exam				$40.00
33	Glasses - Base Coverage	30%			$100.00
34	Glasses - Coinsurance over Base			40%	80%
35	Lens			$50.00	$10.00
36	Contacts - Base Coverage				$110.00
37	Contacts - Coinsurance over Base			85%	85%
38	LASIK				85%
39	Hearing Aids	$2,500.00		$2,500.00		$4,000.00	$1,500.00
40	Period before eligible for replacement (yrs)	5		3		3	5
41	Other Benefits		Up to 10 doctor's visits ($10) copay before deductible applies			50 Massages (up to $60 each), Infertility Treatment
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100