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Old 06-13-2010, 04:40 PM
 
409 posts, read 1,609,261 times
Reputation: 318

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I need some help choosing the right Health Insurance given by a federal job...
Here are some of the options....


AETNA Consumer Driven Health Plan (CDHP)
AETNA High Deductible Health Plan (HDHP)
APWU Health Plan - High (APWU)
APWU Health Plan - CDHP Option
Blue Cross and Blue Shield Service Benefit Plan - Std. (BCBS)
Blue Cross and Blue Shield Service Benefit Plan - Basic (BCBS)
GEHA Benefit Plan - High (GEHA)
GEHA Benefit Plan - Standard Option
GEHA Benefit Plan - HDHP Option
Mail Handlers Benefit Plan Value (MH)
Mail Handlers Benefit Plan Std. (MH)
Mail Handlers Benefit Plan Consumer (MH)
NALC Health Benefit Plan (NALC)
SAMBA Health Benefit Plan High (SAMBA)
SAMBA Health Benefit Plan Std. (SAMBA)

The ones that seem best by what some other people have told me is the Blue Cross Blue Shield and the AETNA. I only need health insurance for my self.
The Blue Cross Standard Plan is going to cost about $180 a month and the basic is only about $100.

I would like a plan that does not require me to pay deductibles or if it does for them to be as low as possible. I am completely healthy and under 30. What do you recommend?
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Old 06-13-2010, 04:49 PM
 
469 posts, read 711,337 times
Reputation: 239
Quote:
Originally Posted by atreidi View Post
I need some help choosing the right Health Insurance given by a federal job...
Here are some of the options....


AETNA Consumer Driven Health Plan (CDHP)
AETNA High Deductible Health Plan (HDHP)
APWU Health Plan - High (APWU)
APWU Health Plan - CDHP Option
Blue Cross and Blue Shield Service Benefit Plan - Std. (BCBS)
Blue Cross and Blue Shield Service Benefit Plan - Basic (BCBS)
GEHA Benefit Plan - High (GEHA)
GEHA Benefit Plan - Standard Option
GEHA Benefit Plan - HDHP Option
Mail Handlers Benefit Plan Value (MH)
Mail Handlers Benefit Plan Std. (MH)
Mail Handlers Benefit Plan Consumer (MH)
NALC Health Benefit Plan (NALC)
SAMBA Health Benefit Plan High (SAMBA)
SAMBA Health Benefit Plan Std. (SAMBA)

The ones that seem best by what some other people have told me is the Blue Cross Blue Shield and the AETNA. I only need health insurance for my self.
The Blue Cross Standard Plan is going to cost about $180 a month and the basic is only about $100.

I would like a plan that does not require me to pay deductibles or if it does for them to be as low as possible. I am completely healthy and under 30. What do you recommend?
I got the Blue Cross Standard Plan, i dont go to the doctor much..but it's been a good plan for me so far, great even I would say. I also have dental insurance and eye insurance (dont know if you would look into it). I too am single and working for the government..Good luck, what agency do you work if you don't mind me asking?
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Old 06-13-2010, 09:30 PM
 
409 posts, read 1,609,261 times
Reputation: 318
Quote:
Originally Posted by tigerwoodsyall View Post
I got the Blue Cross Standard Plan, i dont go to the doctor much..but it's been a good plan for me so far, great even I would say. I also have dental insurance and eye insurance (dont know if you would look into it). I too am single and working for the government..Good luck, what agency do you work if you don't mind me asking?
Do you pay a deductible? Do they charge for each visit?
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Old 06-14-2010, 07:47 AM
 
Location: Illinois
2,813 posts, read 2,202,978 times
Reputation: 5032
I have Blue Cross and Blue Shield Service Benefit Plan - Basic (BCBS).

I don't think there is a deductible for routine or well visits. I am not sure about major medical but I don't think so. My co-pay is $25 for office visits. I'm satisfied.

If I were you, I'd at least choose one of the BCBS plans, especially if you have a dependent away at college or not living in your household. It's also best if you travel often. BCBS is accepted everywhere. Working in health care, I've witnessed a lot of drama with AETNA, another widely accepted plan.
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Old 06-14-2010, 07:54 AM
 
Location: Chicago, IL
9,000 posts, read 8,880,116 times
Reputation: 3456
Quote:
Originally Posted by CMichele View Post
I have Blue Cross and Blue Shield Service Benefit Plan - Basic (BCBS).

I don't think there is a deductible for routine or well visits. I am not sure about major medical but I don't think so. My co-pay is $25 for office visits. I'm satisfied.

If I were you, I'd at least choose one of the BCBS plans, especially if you have a dependent away at college or not living in your household. It's also best if you travel often. BCBS is accepted everywhere. Working in health care, I've witnessed a lot of drama with AETNA, another widely accepted plan.
I'd recommend BCBS for that reason alone: just about everyone accepts it.
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Old 06-14-2010, 12:35 PM
 
965 posts, read 1,902,585 times
Reputation: 478
I don't have BCBS, but my dad works with the fed'l gov't and BCBS is what he uses. It's pretty much accepted by everyone and is actually a pretty good insurance plan iirc.
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