Reply #44: One of the main things to check for and some [View All]

[BlackVelvet04]

people overlook is MAXIMUM OUT OF POCKET PER YEAR.

I would expect the FEHBP plans to offer lower deductibles, and maxium out of pocket per hear. I've never seen a catastrophic limit that low....are you sure you aren't talking about maximum out of pocket? $1500 wouldn't pay for 2 days in the hospital.

One thing I found when I had the FEHBP plan was my doctor's wrote off whatever the plan didn't pay. I'm not sure why but my Orthopedic surgeon wrote off over $1,000 for my office visit co-pays, surgical co-pay and after surgery care co-pay.

And that leads to another benefit....Doctor's LOVE accepting FEHBP insurance because they know they aren't going to have to fight for payment.