BlueCross BlueShield Federal Employee Program

AskBlue for Federal Employees

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BlueCross BlueShield Federal Employee Program

Welcome to AskBlue for Federal Employees

Your personal guide to healthcare coverage options for federal employees®

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In 5 easy steps, this interactive tool will:

  • Help you find the best option for you
  • Answer key insurance questions
  • Provide a coverage recommendation

Let's get started

As you answer the following questions, please be sure to keep your family’s needs in mind.

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Healthcare Network Options:

In Our Network:

We have a Preferred Provider Organization (PPO),which means that we have a network of providers who agree to accept our allowance as payment in full for their services.

Outside Our Network:

If you visit a Non-preferred provider for covered services, if you have Standard Option we will still pay for a portion of the services; however, your total out-of-pocket costs could be significantly higher than if you use a Preferred provider.

Want to learn more?

  • Watch a video on networks
  • Read more about networks

    In-network services

    We have a Preferred Provider Organization (PPO), which means that we have a network of providers who agree to accept our allowance as payment in full for their services. We call these healthcare professionals and facilities our “Preferred providers.” Visiting a Preferred provider means savings for you. As a Blue Cross and Blue Shield Service Benefit Plan member, you receive access to all the Preferred providers in our network - that’s almost 1 million providers you can choose from across the US.

    Out-of-network services

    If you visit a Non-preferred provider for covered services, if you have Standard Option we will still pay for a portion of the services; however, your total out-of-pocket costs could be significantly higher than if you use a Preferred provider. You may also have to file your claim with us, rather than your provider filing it for you.

    If you have Basic Option, you don’t receive out-of-network benefits except for in certain situations, such as for emergency care.

Prescription Delivery:

Want to learn more?

  • Watch the Mail Service Pharmacy video
  • Read more about pharmacy options

    Get your drugs sent to you easily.

    If you have Standard Option or Basic Option with Medicare Part B as your primary coverage, you also have access to our Mail Service Pharmacy Program – which means you can order and receive your prescriptions in the comfort of your own home, usually for a lower price.

    Visit a retail pharmacy.

    We work with CVS/Caremark to offer you a nationwide network of over 65,000 Preferred retail pharmacies – including popular pharmacy chains and other smaller pharmacies in local areas. You can visit a Preferred retail pharmacy as a Standard or Basic Option member. Using a Preferred retail pharmacy means that you’ll save money and you won’t have to file a claim for your drug. If you have Standard Option, you can choose to visit a Non-preferred pharmacy; however, you’ll pay more out-of-pocket and you’ll have to file a claim for reimbursement. See the Blue Cross and Blue Shield Service Benefit Plan brochure for more details.

Maintenance Prescriptions:

Higher Premium:

Out-of-Network Providers:

If you visit a Non-preferred provider for covered services, if you have Standard Option we will still pay for a portion of the services; however, your total out-of-pocket costs could be significantly higher than if you use a Preferred provider.

Prescriptions Delivered by Mail:

If you have Standard Option or Basic Option with Medicare Part B as your primary coverage, you also have access to our Mail Service Pharmacy Program – which means you can order and receive your prescriptions in the comfort of your own home, usually for a lower price.

Personal Information

Personal Information

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  • Info Video