Blue Cross Blue Shield Obamacare FAQs

The Affordable Care Act (ACA), or widely known as the ObamaCare, has brought about a health care reform with an array of coverage changes and opportunities since its inception. For the Blue Cross and Blue Shield Association (BCBSA), they are committed to implementing such changes in accordance with the law’s requirements and to improving ways to better meet the expectations and needs of patients. For members of the BCBSA who want to know the issues that can potentially affect them, as well as administrative and patient-care aspects, here are FAQs they will find useful:

How Did The Obamacare Affect Me As a Service Benefit Plan Member?

While the health care reform broadened health insurance benefits and expanded access to insurance for millions of people in the US, it did not have a huge impact on most federal employees who are enrolled to the Service Benefit Plan. The two main changes for the Federal Employees Health Benefits (FEHB) plans include the extended preventive care benefits and stretched eligibility up to 26 years of age for young adult children under the programs.

Does My Coverage Meet The Minimum Requirements For Essential Health Insurance?

As a member of the BCBSA Service Benefit Plan, yes, your coverage will qualify as minimum essential coverage.

Are There Enough Providers In The BCBSA Network To Cater To An Increased Number Of Insured People?

The BCBSA Service Benefit Plan depends on the network of providers of all its companies throughout the country, with a connection to a huge number of physicians, hospitals and specialist clinics of any health insurer. The organization is always keeping its hands full to improve its network to ensure its members have access to necessary health care.

How Did The Obamacare Affect BCBSA Members In Other Countries?

Generally, any changes that are made by the ACA to the BCBSA Service Benefit Plan also apply to members living in other countries, including the expansion of preventive services coverage and the extension of dependent coverage from 21 years of age to 26.

Did The Obamacare Have An Impact On Prescription Drug Coverage?

The answer here is “no”, as the reform did not affect prescription drug benefits for anyone who has the BCBSA Service Benefit Plan coverage.

Will The BCBSA Service Benefit Plan Stay Viable As Insurance Provider With All The Changes Coming With The ACA?

The BCBSA believes that its plans are in a good place to offer coverage with the health reform and will continue to provide value to clients for many years to come. Its Service Benefit Plan has been offered since the FEHB started in 1960, with the organization remaining committed and working hard to meet challenges in the future.

Did The Obamacare Restrict Or Limit Benefits Provided By The Service Benefit Plan?

Your benefits have not been restricted or limited with the health care reform, and in fact, they are expanded through the Service Benefit Plan.

How Did The ACA Affect The Way Service Benefit Plan And Medicare Coverage Plans Work?

The ACA did have any effect on these plans at all. For current members having Medicare as their primary payer, the BCBSA Service Benefit Plan provides a comprehensive and strong benefits package, which is not changed by the ObamaCare.

Do I Need To Have Both BCBSA Service Benefit Plan And Medicare?

Though enrolling in both programs gives you more coverage, this has never been required. While your Medicare pays a substantial part of costs for your healthcare, it can leave some gaps, and this is where your Service Benefit Plan coverage can help by lowering your “out of pocket” costs and increasing your benefits.

If I Have Both Medicare A And B, As Well As The BCBSA Service Benefit Plan Coverage, Will The Obamacare Have An Effect On What I Should Choose To Maximize Benefits With The Least Expense?

No, as by having all these plans, most of your covered services will be paid in full, without having to spend any amount from your pocket. As you can see, the Medicare Part A and B deductibles and coinsurance fees for covered services will be paid through the Service Benefit Plan. Plus, you will not have to pay for the Service Benefit Plan coinsurance, copayment and deductible amounts for services that are covered. Moreover, the Service Benefit Plan offers coverage for prescription drugs.

Why Is The Service Benefit Plan Not Covering Prescription Copayments For People Who Are Enrolled In Medicare Part B?

The BCBSA understands that the costs of prescriptions can be difficult for retired individuals with fixed incomes, but it is also worth noting that eliminating deductibles and copayments will, most of the time, increase premiums. To completely waive prescription copayments for members of the BCBSA Service Benefit Plan would significantly increase premiums.

How Does The “Donut Hole” Coverage Gap Works And How Does It Affect People With The Service Benefit Plan For Prescriptions And Medicare Part D?

The “donut hole” is a prescription drug benefit feature that is available under Medicare Part D, either as part of Medicare Advantage Plans or done through separate Medicare Prescription Drug Plans, which also cover professional and hospital services. It is a yearly coverage gap that occurs due to the temporary stops of Part D’s coverage once the benefits it has paid reached a certain amount, which do not resume until the insured individual (or other people on his/her behalf) has spent a certain amount. Once it is satisfied, the “Donut Hole” will allow the Medicare Part D to cover almost all of the covered prescription drugs expenses for the rest of the calendar year.

Will The Rising Health Costs Rise More?

As we enter a new era that will be different from the previous health insurance marketplace, nobody can accurately predict what exactly would influence all changes in the future. The BCBSA will keep you updated on changes brought about by the ObamaCare that can potentially affect you. It is committed to making its Service Benefit Plan coverage as affordable as possible for all individuals.

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