BCBS
Blue Cross and Blue Shield Service Benefit Plan Standard Option
FEHB Offered in 2027|Blue Cross and Blue Shield|Traditional|PPO
Also listed as: Blue Cross and Blue Shield Service Benefit Plan; Blue Cross and Blue Shield Service Benefit Plan FEP Blue Standard
Premium
biweekly · employee paysSelf Only
$204.65biweekly · employee pays
vs 2026+$16.33 +8.7%
Lowest$85.91 (2013)
Highest$204.65 (2027)
Since 2013+138.2%
Self Plus One
$449.89biweekly · employee pays
vs 2026+$39.01 +9.5%
Lowest$231.31 (2016)
Highest$449.89 (2027)
Since 2016+94.5%
Self & Family
$496.90biweekly · employee pays
vs 2026+$39.24 +8.6%
Lowest$200.14 (2013)
Highest$496.90 (2027)
Since 2013+148.3%
Premium history
SharePeriodRate type
Year by year
follows the chart's share, period and rate-type selection| Year | Self Only | Δ | Self Plus One | Δ | Self & Family | Δ | Listed as |
|---|
Changelog
- 2012Tracked since 2012Earliest plan year in the data set.
- 2016Self Plus One enrollment addedOPM introduced the Self Plus One enrollment type government-wide in 2016.
- 2019Largest decrease: -0.8%Self Only employee share went from $113.16 to $112.23.
- 2020Renamed“Blue Cross and Blue Shield Service Benefit Plan” → “Blue Cross and Blue Shield Service Benefit Plan Standard Option”
- 2025Largest increase: +15.9%Self Only employee share went from $150.79 to $174.81.
- 2025Renamed“Blue Cross and Blue Shield Service Benefit Plan Standard Option” → “Blue Cross and Blue Shield Service Benefit Plan FEP Blue Standard”
- 2026Renamed“Blue Cross and Blue Shield Service Benefit Plan FEP Blue Standard” → “Blue Cross and Blue Shield Service Benefit Plan Standard Option”
Full rate schedule
Plan yearIn-network
2027 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | $500 | $1,000 | $1,000 |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | $500 | $1,000 | $1,000 |
| Annual out-of-pocket maximum | $7,000 | $14,000 | $14,000 |
- Type of accountNot Applicable
- Medicare Part D EGWP Prescription Drug Out-of-Pocket Maximum per enrollee$2,400
- Tier 0$0 Copayment
- Tier 1$7.50 Copayment
- Tier 230% Coinsurance
- Tier 350% Coinsurance
- Tier 430% Coinsurance
- Tier 530% Coinsurance
- Mail Order PharmacyYes
- Deductible waiver (with Medicare Part A as Primary)Not applicable
- Deductible waiver (with Medicare Part B as Primary)Deductible waived
- Deductible Waiver with Parts A & BDeductible waived
- Out-of-Pocket Maximum with Parts A & B$7,000
- Primary Care Physician Office Visit with Medicare A & B PrimaryMember Pays Nothing
- Specialty Physician Office Visit with Parts A & BMember Pays Nothing
- Inpatient Hospital Services with Parts A & BMember Pays Nothing
- Outpatient Hospital Services with Part AMember Pays Nothing
- Outpatient physician services (with Medicare Part B as Primary)Member Pays Nothing
- Part B Premium Reimbursement with Parts A & BNo
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver with Part CDeductible waived
- Out-of-Pocket Maximum with Part C$7,000
- Primary Care Physician Office Visit with Medicare Advantage (Part C) PrimaryMember Pays Nothing
- Specialty Physician Office Visit with Part CMember Pays Nothing
- Inpatient Hospital Services with Part CMember Pays Nothing
- Outpatient Hospital Services with Part CMember Pays Nothing
- Outpatient physician services (with Medicare Advantage Part C as Primary)Member Pays Nothing
- Part B Premium Reimbursement with Part CNo
- Preventive CareMember Pays Nothing
- Primary Care Office Visit$30 Copayment
- Specialist Office Visit$40 Copayment
- Emergency Care15% Coinsurance
- Urgent Care$30 Copayment
- Doctor Costs for Inpatient Surgery15% Coinsurance
- Hospital Inpatient Cost Per Admission$450 Copayment
- Hospital Room CostsMember Pays Nothing
- Other Inpatient Hospital CostsMember Pays Nothing
- Doctor Costs for Outpatient Surgery15% Coinsurance
- Other Outpatient Surgery Costs15% Coinsurance
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)15% Coinsurance
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)15% Coinsurance
- Enhanced Lab NetworkNot applicable
- Applied Behavioral Analysis (ABA)15% Coinsurance
- Chiropractic$30 Copayment
- Occupational Therapy$30 Copayment
- Physical Therapy$30 Copayment
- Speech Therapy$30 Copayment
- Professional Services (Mental Health and Substance Use Disorder)$30 Copayment
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)$450 Copayment
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)15% Coinsurance
- Diagnosis and Treatment (Infertility Services)15% Coinsurance
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)15% Coinsurance
- Artificial Insemination Services (e.g. ICI, IVI, IUI)15% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)15% Coinsurance
- Surgical Procedures15% Coinsurance
- Reconstructive Surgery15% Coinsurance
- Hearing Services15% Coinsurance
- Hearing Aids (external)Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)Member Pays Nothing
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)Member Pays Nothing
- Hospice CareMember Pays Nothing
- Home Health Services (Skilled Nursing Care)15% Coinsurance
- Durable Medical Equipment15% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)$175 Copayment
- Diabetes Education15% Coinsurance
- Nutritional CounselingMember Pays Nothing
- Routine Dental Exams and Cleaning for AdultsCovered
- Routine Dental Exams and Cleaning for ChildrenCovered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesNot Covered
- Contact LensesNot Covered
- Acupuncture15% Coinsurance
- Chronic Disease Management: Heart DiseaseCovered
- Chronic Disease Management: ObesityCovered
- Chronic Disease Management: HypertensionCovered
- Chronic Disease Management: AsthmaCovered
Out-of-network
2027 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | $500 | $1,000 | $1,000 |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | $500 | $1,000 | $1,000 |
| Annual out-of-pocket maximum | $9,000 | $18,000 | $18,000 |
- Type of accountNot Applicable
- Tier 045% Coinsurance
- Tier 145% Coinsurance
- Tier 245% Coinsurance
- Tier 345% Coinsurance
- Tier 445% Coinsurance
- Tier 545% Coinsurance
- Mail Order PharmacyYes
- Deductible waiver (with Medicare Part A as Primary)Not applicable
- Deductible waiver (with Medicare Part B as Primary)Deductible waived
- Deductible Waiver with Parts A & BDeductible waived
- Out-of-Pocket Maximum with Parts A & B$9,000
- Primary Care Physician Office Visit with Medicare A & B PrimaryMember Pays Nothing
- Specialty Physician Office Visit with Parts A & BMember Pays Nothing
- Inpatient Hospital Services with Parts A & BMember Pays Nothing
- Outpatient Hospital Services with Part AMember Pays Nothing
- Outpatient physician services (with Medicare Part B as Primary)Member Pays Nothing
- Part B Premium Reimbursement with Parts A & BNo
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver with Part CDeductible waived
- Out-of-Pocket Maximum with Part C$9,000
- Primary Care Physician Office Visit with Medicare Advantage (Part C) PrimaryMember Pays Nothing
- Specialty Physician Office Visit with Part CMember Pays Nothing
- Inpatient Hospital Services with Part CMember Pays Nothing
- Outpatient Hospital Services with Part CMember Pays Nothing
- Outpatient physician services (with Medicare Advantage Part C as Primary)Member Pays Nothing
- Part B Premium Reimbursement with Part CNo
- Preventive Care35% Coinsurance
- Primary Care Office Visit35% Coinsurance
- Specialist Office Visit35% Coinsurance
- Emergency Care15% Coinsurance
- Urgent Care35% Coinsurance
- Doctor Costs for Inpatient Surgery35% Coinsurance
- Hospital Inpatient Cost Per Admission$450 Copayment
- Hospital Room CostsMember Pays Nothing
- Other Inpatient Hospital CostsMember Pays Nothing
- Doctor Costs for Outpatient Surgery35% Coinsurance
- Other Outpatient Surgery Costs35% Coinsurance
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)35% Coinsurance
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)35% Coinsurance
- Enhanced Lab NetworkNot applicable
- Applied Behavioral Analysis (ABA)35% Coinsurance
- Chiropractic35% Coinsurance
- Occupational Therapy35% Coinsurance
- Physical Therapy35% Coinsurance
- Speech Therapy35% Coinsurance
- Professional Services (Mental Health and Substance Use Disorder)35% Coinsurance
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)35% Coinsurance
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)35% Coinsurance
- Diagnosis and Treatment (Infertility Services)35% Coinsurance
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)35% Coinsurance
- Artificial Insemination Services (e.g. ICI, IVI, IUI)35% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)35% Coinsurance
- Surgical Procedures35% Coinsurance
- Reconstructive Surgery35% Coinsurance
- Hearing Services35% Coinsurance
- Hearing Aids (external)Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)35% Coinsurance
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)$450 Copayment
- Hospice Care$450 Copayment
- Home Health Services (Skilled Nursing Care)35% Coinsurance
- Durable Medical Equipment35% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)$275 Copayment
- Diabetes Education35% Coinsurance
- Nutritional Counseling35% Coinsurance
- Routine Dental Exams and Cleaning for AdultsCovered
- Routine Dental Exams and Cleaning for ChildrenCovered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesNot Covered
- Contact LensesNot Covered
- Acupuncture35% Coinsurance
- Chronic Disease Management: Heart DiseaseCovered
- Chronic Disease Management: ObesityCovered
- Chronic Disease Management: HypertensionCovered
- Chronic Disease Management: AsthmaCovered
Offered nationwide.
Service area description
| State | Description |
|---|---|
| Nationwide | Nationwide |
Service area over time
| Year | States / areas listed |
|---|---|
| 2027 | Nationwide |
| 2026 | Nationwide |
| 2025 | Nationwide |
| 2024 | Nationwide |
| 2023 | Nationwide |
| 2022 | Nationwide |
| 2021 | Nationwide |
| 2020 | Nationwide |
| 2019 | Nationwide |
| 2018 | Nationwide |
| 2017 | Nationwide |
| 2016 | Nationwide |