The Basics of Coverage
Shield Service Benefit Plan offers three comprehensive plans to suit different needs and budgets. These plans include FEP Blue Focus, Basic Option, and Standard Option. Let's take a closer look at each plan and the benefits they offer.
FEP Blue Focus
Designed to cater to your needs and wallet, FEP Blue Focus provides quality coverage from network providers. With this plan, you enjoy preferred drug coverage, and there is a special reward for getting your annual physical. FEP Blue Focus also offers the lowest premiums and allows you to have your first ten primary care and specialist visits for just ten dollars each.
Basic Option
Basic Option members receive quality coverage from network providers with no deductibles. The benefits of this plan include preferred and non-preferred drug coverage, an 800 Medicare Part B premium reimbursement for members with Medicare Part A and B, and predictable out-of-pocket costs that mostly consist of co-pays.
Standard Option
If you prefer more freedom in choosing your healthcare providers, Standard Option is the plan for you. With this plan, you have the flexibility to receive care from both in-network and out-of-network providers. Standard Option also provides preferred and non-preferred drug coverage, access to the mail service pharmacy, and participation in the Standard Option generic incentive program.
Enrollment Options
When considering which plan to enroll in, it's important to think about who you will need coverage for. Shield Service Benefit Plan offers three levels of enrollment:
- Self Only
- Self Plus One
- Self and Family
If you choose the Self and Family option, eligible family members include your spouse and children up to the age of 26 in most cases. This allows you to provide comprehensive coverage for your entire family.
Nationwide Network
Regardless of the plan you choose, all Shield Service Benefit Plan members have access to a large nationwide network. This network includes 96% of hospitals, 95% of doctors, and over 55,000 in-network retail pharmacies in the United States. What does this mean for you?
A network, also known as preferred providers, are healthcare providers who agree to accept the plan's allowance as payment in full for their services. This arrangement limits the amount you need to pay out of pocket, providing you with greater cost savings and peace of mind.
Additional Benefits
In addition to the comprehensive coverage and nationwide network, all Shield Service Benefit Plan members enjoy the following benefits:
- Free preventive care from preferred providers
- No referrals needed to see specialists
- Coverage around the world
- Wellness rewards and discounts
These additional benefits ensure that you receive the care you need, when you need it, without any unnecessary barriers or complications.
Conclusion
When it comes to healthcare coverage, Shield Service Benefit Plan offers three distinct options tailored to meet your individual needs. Whether you prioritize affordability, flexibility, or a combination of both, there is a plan that suits you. From the comprehensive coverage provided by FEP Blue Focus to the flexibility offered by Standard Option, each plan provides unique advantages to ensure your peace of mind.
Remember to consider your specific needs and budget when choosing a plan. Enroll in the Shield Service Benefit Plan that aligns with your requirements and enjoy the extensive benefits and nationwide network that come with it.
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