BCBS
Blue Cross and Blue Shield Service Benefit Plan FEP Blue Focus
FEHB Offered in 2027|Blue Cross and Blue Shield|Traditional|PPO
Premium
biweekly · employee paysSelf Only
$74.16biweekly · employee pays
vs 2026+$7.35 +11.0%
Lowest$53.14 (2019)
Highest$74.16 (2027)
Since 2019+39.6%
Self Plus One
$159.43biweekly · employee pays
vs 2026+$15.80 +11.0%
Lowest$114.25 (2019)
Highest$159.43 (2027)
Since 2019+39.5%
Self & Family
$175.35biweekly · employee pays
vs 2026+$17.38 +11.0%
Lowest$125.67 (2019)
Highest$175.35 (2027)
Since 2019+39.5%
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
- 2019First appears in OPM rate tablesNew plan option for 2019.
- 2026Largest increase: +12.9%Self Only employee share went from $59.17 to $66.81.
Full rate schedule
Plan yearIn-network
2027 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | $1,000 | $2,000 | $2,000 |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | $1,000 | $2,000 | $2,000 |
| Annual out-of-pocket maximum | $11,000 | $22,000 | $22,000 |
- Type of accountNot Applicable
- Tier 0$0 Copayment
- Tier 1$5 Copayment
- Tier 240% Coinsurance
- Tier 340% Coinsurance
- Mail Order PharmacyNo
- Deductible waiver (with Medicare Part A as Primary)Not applicable
- Deductible waiver (with Medicare Part B as Primary)$1,000
- Deductible Waiver with Parts A & B$1,000
- Out-of-Pocket Maximum with Parts A & B$11,000
- 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 C$1,000
- Out-of-Pocket Maximum with Part C$11,000
- 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$10 Copayment
- Specialist Office Visit$10 Copayment
- Emergency Care30% Coinsurance
- Urgent Care$25 Copayment
- Doctor Costs for Inpatient Surgery30% Coinsurance
- Hospital Inpatient Cost Per Admission30% Coinsurance
- Hospital Room CostsMember Pays Nothing
- Other Inpatient Hospital CostsMember Pays Nothing
- Doctor Costs for Outpatient Surgery30% Coinsurance
- Other Outpatient Surgery Costs30% Coinsurance
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)30% Coinsurance
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)30% Coinsurance
- Enhanced Lab NetworkNot applicable
- Applied Behavioral Analysis (ABA)30% Coinsurance
- Chiropractic$25 Copayment
- Occupational Therapy$25 Copayment
- Physical Therapy$25 Copayment
- Speech Therapy$25 Copayment
- Professional Services (Mental Health and Substance Use Disorder)$10 Copayment
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)30% Coinsurance
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)30% Coinsurance
- Diagnosis and Treatment (Infertility Services)30% Coinsurance
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)30% Coinsurance
- Artificial Insemination Services (e.g. ICI, IVI, IUI)30% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
- Surgical Procedures30% Coinsurance
- Reconstructive Surgery30% Coinsurance
- Hearing Services$10 Copayment
- Hearing Aids (external)Not Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)Member Pays Nothing
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)$3,000 Copayment
- Hospice Care30% Coinsurance
- Home Health Services (Skilled Nursing Care)$25 Copayment
- Durable Medical Equipment30% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)Member Pays All Charges
- Diabetes Education30% Coinsurance
- Nutritional CounselingMember Pays Nothing
- Routine Dental Exams and Cleaning for AdultsNot Covered
- Routine Dental Exams and Cleaning for ChildrenNot Covered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesNot Covered
- Contact LensesNot Covered
- Acupuncture$25 Copayment
- 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 | Not applicable | Not applicable | Not applicable |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | Not applicable | Not applicable | Not applicable |
| Annual out-of-pocket maximum | Not applicable | Not applicable | Not applicable |
- Type of accountNot Applicable
- Tier 0$999 Copayment
- Tier 1$999 Copayment
- Tier 2$999 Copayment
- Tier 3$999 Copayment
- Mail Order PharmacyNo
- Deductible waiver (with Medicare Part A as Primary)Not applicable
- Deductible waiver (with Medicare Part B as Primary)Not applicable
- Deductible Waiver with Parts A & BNot applicable
- Out-of-Pocket Maximum with Parts A & BNot applicable
- Primary Care Physician Office Visit with Medicare A & B PrimaryMember Pays All Charges
- Specialty Physician Office Visit with Parts A & BMember Pays All Charges
- Inpatient Hospital Services with Parts A & BMember Pays All Charges
- Outpatient Hospital Services with Part AMember Pays All Charges
- Outpatient physician services (with Medicare Part B as Primary)Member Pays All Charges
- Part B Premium Reimbursement with Parts A & BNo
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver with Part CNot applicable
- Out-of-Pocket Maximum with Part CNot applicable
- Primary Care Physician Office Visit with Medicare Advantage (Part C) PrimaryMember Pays All Charges
- Specialty Physician Office Visit with Part CMember Pays All Charges
- Inpatient Hospital Services with Part CMember Pays All Charges
- Outpatient Hospital Services with Part CMember Pays All Charges
- Outpatient physician services (with Medicare Advantage Part C as Primary)Member Pays All Charges
- Part B Premium Reimbursement with Part CNo
- Preventive CareMember Pays All Charges
- Primary Care Office VisitMember Pays All Charges
- Specialist Office VisitMember Pays All Charges
- Emergency Care30% Coinsurance
- Urgent Care$25 Copayment
- Doctor Costs for Inpatient SurgeryMember Pays All Charges
- Hospital Inpatient Cost Per AdmissionMember Pays All Charges
- Hospital Room CostsMember Pays All Charges
- Other Inpatient Hospital CostsMember Pays All Charges
- Doctor Costs for Outpatient SurgeryMember Pays All Charges
- Other Outpatient Surgery CostsMember Pays All Charges
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)Member Pays All Charges
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)Member Pays All Charges
- Enhanced Lab NetworkNot applicable
- Applied Behavioral Analysis (ABA)Member Pays All Charges
- ChiropracticMember Pays All Charges
- Occupational TherapyMember Pays All Charges
- Physical TherapyMember Pays All Charges
- Speech TherapyMember Pays All Charges
- Professional Services (Mental Health and Substance Use Disorder)Member Pays All Charges
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)Member Pays All Charges
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)Member Pays All Charges
- Diagnosis and Treatment (Infertility Services)Member Pays All Charges
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)Member Pays All Charges
- Artificial Insemination Services (e.g. ICI, IVI, IUI)Member Pays All Charges
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
- Surgical ProceduresMember Pays All Charges
- Reconstructive SurgeryMember Pays All Charges
- Hearing ServicesMember Pays All Charges
- Hearing Aids (external)Not Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)Member Pays All Charges
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)Member Pays All Charges
- Hospice CareMember Pays All Charges
- Home Health Services (Skilled Nursing Care)Member Pays All Charges
- Durable Medical EquipmentMember Pays All Charges
- Outpatient Rehabilitation (Skilled Nursing Care Facility)Member Pays All Charges
- Diabetes EducationMember Pays All Charges
- Nutritional CounselingMember Pays All Charges
- Routine Dental Exams and Cleaning for AdultsNot Covered
- Routine Dental Exams and Cleaning for ChildrenNot Covered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentNot Covered
- EyeglassesNot Covered
- Contact LensesNot Covered
- AcupunctureMember Pays All Charges
- Chronic Disease Management: Heart DiseaseNot Covered
- Chronic Disease Management: ObesityNot Covered
- Chronic Disease Management: HypertensionNot Covered
- Chronic Disease Management: AsthmaNot Covered
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 |