Videos
Here are helpful Service Benefit Plan brochures, claim forms, reference guides and videos.
Videos
By Your Side: An Open Season Message from Bill Breskin
Video Transcript
Here for You: An Open Season Message from Bill Breskin
Title: Here for You: An Open Season Message from Bill Breskin
Speaker(s): Bill Breskin
Date: November 18, 2021
Length: 3 minutes, 28 secondsVisual:
On screen text: Helping you stay informed and connected this open season.
William Breskin, Senior VP of Government Programs
BlueCross Blue Shield
Federal Employee Program
Visual:
Shot of Bill Breskin in a conference room talking to the camera.
Bill Breskin:
Hi, I'm Bill Breskin, Senior Vice President of Government Programs with the Blue Cross Blue Shield Association. Through the Blue Cross and Blue Shield Federal Employee Program, or FEP, we have the honour and privilege of providing health, dental and vision coverage to federal employees, portions of the military, retirees and their families.
Visual:
As Bill Breskin speaks, there are images of a smiling woman working in an office space on her laptop and a man hugging his grandchildren.
Bill Breskin:
With Open Season running November 8th through December 13th, I want to help you stay informed and connected. First, whether you've been one of our members for years or are new to our program, we're proud to be a partner in your health.
Visual:
As Bill Breskin speaks, there are images of a woman exercising next to her laptop, a young girl being examined by a doctor and the FEP website.
Bill Breskin:
You can count on us for one of the largest provider networks, which includes 95% of all doctors in the United States. You can also enjoy rewarding incentives, telehealth services for 24/7 care and benefits that work overseas.
Visual:
As Bill Breskin speaks, there are images of video calls with doctors on a computer and a smartphone, a dental X-ray and an optician’s shop.
Bill Breskin:
In addition, Blue Cross Blue Shield FEP Dental and FEP Vision offer comprehensive coverage at affordable rates. By visiting our website at fepblue.org, you can take a look at some of the changes and updates we're making to our health plan in 2022.
Visual:
As Bill Breskin speaks, images of the website pages mentioned are displayed.
Bill Breskin:
To see what's new for our dental and vision plans, go to bcbsfepdental.com and bcbsfepvision.com. Keep in mind that if you're happy with your current coverage, you don't have to do anything. Your coverage will automatically carry over to next year.
Visual:
As Bill Breskin speaks, there are images of a young child hugging his mother and a man checking his tablet.
Bill Breskin:
But if you want to make sure you have the right coverage, we have some online tools that can help you make the best FEP choice. For our health plans, FEP's Health care Cost Advisor tool can help you plan your health care budget. It actually uses what you've done in the past to give you a glimpse into your future spending depending on which product you choose. How cool is that?
Visual:
As Bill Breskin speaks, images of the website pages mentioned are displayed.
Bill Breskin:
If you need a plan recommendation, our AskBlue FEP Medical Plan Finder can help. Just answer a few questions about your health care needs and it'll recommend your best plan for you.
Visual:
As Bill Breskin speaks, there are images of a person holding prescription drugs and checking their phone.
Bill Breskin:
Our Prescription Drug Cost Tool can help you search for the lowest drug prices in your area and see which drugs are covered under your plan. All of these great tools are available again on our website, fepblue.org.
Visual:
As Bill Breskin speaks, images of the website page mentioned is displayed. Then, there is an image of a woman in front of a computer talking into a headset.
Bill Breskin:
I also encourage you to join our Open Season virtual health fair on December 2nd. You'll get more information about our benefits and can ask our representatives any questions you have about our coverage. So once again, I thank you for being a member or for taking the time to consider becoming part of the Blue Cross and Blue Shield family. Know that we're just one click or phone call away if you need any help. I hope you and your family all have a healthy rest of 2021 and 2022. Thank you.
Visual:
On screen text: For more information, visit fepblue.org/OpenSeason
End credits:
For more information, visit fepblue.org/OpenSeason
Blue Cross Blue Shield Federal Employee Program
Blue HowTo: Health Insurance 101
Title: Blue HowTo: Health Insurance 101
Speaker(s): Announcer
Date: May 8, 2022
Length: 2 minutes, 5 seconds
Visual:
Blue HowTo
Health Insurance 101
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Visual:
On screen text: What’s Health Insurance?
Visual:
Animation of a man holding a health insurance card.
Announcer:
Health insurance is important. But why? And what is it? We can explain.
Visual:
Animation of a patient being examined in a doctor’s office.
Announcer:
Health insurance covers the cost of your medical care, including doctors' visits and prescriptions.
Visual:
The doctor writes a prescription.
Announcer:
Think of it as a safety net in case you or a loved one gets hurt or sick.
Visual:
Animation of the patient getting examined by doctors with different specialties.
Announcer:
It can also provide coverage for dental and vision care, plus mental-health and substance-abuse disorder services.
Visual:
Animations of a man getting a health insurance card from his employer, and sitting at his desk with a laptop.
Announcer:
Your health insurance coverage can be offered through your employer, what's known as group coverage, or through a health plan that you choose yourself called an individual plan.
Visual:
Animation of a calendar and a wallet.
Announcer:
Each month, you're responsible for paying a certain amount to your health plan in exchange for coverage. This is known as your premium. If you get coverage at work, this is taken out of your paycheck automatically and your employer may pay some of the cost.
Visual:
Animation of a paycheck.
Visual:
On screen text: Your Deductible.
Announcer:
You may have heard the word “deductible”. That's a specific amount you pay for medical care before your health plan pays their share.
Visual:
Animation illustrating how the bill is paid and by whom.
Announcer:
For example, let's say your deductible is $350. If you get a medical bill for $200, you're responsible for paying the entire cost. The next time you go to the doctor, you get a bill for $400 -- you pay $150 and your health plan covers the remaining costs.
Visual:
On screen text: Your Copayment.
Animation of a doctor with a $30 amount, an X-ray with a $60 amount and a prescription drug with a $10 amount.
Announcer:
Then there's a copayment or simply your copay. That's a set amount you pay for a covered service, like a visit to the doctor or hospital or a specialist, or filling a prescription.
Visual:
Animation of different health insurance cards.
Announcer:
Different health plans have different copays, and this set amount can change depending on the service you get.
Visual:
Animation of a hand grabbing a FEP card, and a check mark.
Announcer:
Generally, once you pay your copay, there's no additional amount for you to pay.
Visual:
On screen text: Your Coinsurance.
Announcer:
Some plans may also have coinsurance. That's your share of the cost for a service, usually calculated as a percentage.
Visual:
Animation of a pie chart illustrating what is mentioned.
Announcer:
You start paying coinsurance after you pay your deductible. If you have a 20% coinsurance, you pay 20% of each medical bill and your health plan would pay the remaining 80%.
Visual:
Animation of smiling man giving a thumbs up.
Announcer:
Now you know some of the basics of health insurance. It can be a little confusing at times, but you can count on us to help you stay informed and healthy every step of the way.
Visual:
Blue HowTo
Health Insurance 101
End credits:
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Blue HowTo: FEP 101
Speaker(s): Announcer
Date: May 8, 2022
Length: 2 minutes, 53 seconds
Visual:
On screen text: Blue HowTo
FEP 101
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Visual:
On screen text: Chapter 2: What’s the Federal Employee Program?
Visual:
Animation of two employees waving at each other.
Announcer:
Welcome to the Blue Cross and Blue Shield Service Benefit Plan, also known as the Federal Employee Program, or simply FEP. Since 1960, FEP has provided health insurance to federal employees and their families, offering coverage across the U.S. and overseas.
Visual:
Animations of an old family photo and a plane flying around the globe.
Announcer:
FEP now offers three plan options you can choose from, based on your health care needs—Standard Option, Basic Option and FEP Blue Focus.
Visual:
Animation of a health card with a list of the plan options mentioned.
Announcer:
Let's talk about choosing a provider.
Visual:
On-screen text: Choosing a Provider. Animation of a person seeing a doctor, feeling sick, and being examined.
Announcer:
Providers are the licensed or board-certified doctors and caregivers that provide you with medical services, like your annual physical, treating you when you're sick or injured and more.
Visual:
Animation of the website displayed on a computer and a smartphone.
Announcer:
Use the Find a Provider tool on fepblue.org or the fepblue app to find a doctor, specialist or urgent care center.
Visual:
Animations of a hospital, a pharmacy building, a doctor’s office and a medical facility all being connected.
Announcer:
You've probably heard that a provider can either be in-network or out-of-network. As a Preferred Provider Organization, or PPO, we have a network of doctors, hospitals, pharmacies and facilities that have contracted with us to provide medical services at a discounted rate. You'll pay less if you see someone in our network.
Visual:
Animation of two doctors side by side.
Announcer:
When you go to a provider who doesn't have a contract with us, they're out-of-network.
Visual:
Animation of the patient being in between the two doctors, with the doctor on the left having one dollar sign over his head and the doctor on the right having three dollar signs over her head.
Announcer:
Standard Option gives you the flexibility to see a provider out-of-network, but you'll typically pay more for medical care, making it worth the effort to find an in-network doctor or hospital. With both Basic Option and FEP Blue Focus, you must go to a provider in our network to receive benefits.
Visual:
The out-of-network doctor disappears.
On screen text: Seeing a Provider.
Animation of a member ID card.
Announcer:
When you go to a provider or pharmacy, remember to bring your member ID card as proof of insurance.
Visual:
Animation of a patient at a doctor’s office presenting his card on his smartphone to the medical receptionist.
Announcer:
If you've downloaded the fepblue app, you can view and share your card with only a few taps.
Visual:
Animation of the patient coming out of the doctor’s examination room, waving goodbye to the receptionist and feeling well.
On screen text: Free preventive care services.
Announcer:
With FEP, preventive care services are free when you see a Preferred provider. These are routine checkups and screenings, like annual physicals, well-child visits and cancer screenings. And you never need a referral to see a specialist.
Visual:
On screen text: No referral to see a specialist.
Animation of a patient lying in a bed in a hospital room with a doctor signing a prescription.
Announcer:
Some medical services, such as in-patient hospital stays and certain prescription drugs, need to be approved before we'll cover them. This is known as prior approval or precertification. Your provider can submit approval requests on your behalf.
Visual:
On screen text: Paying For Services.
Animation of a wallet. On-screen text lists the options mentioned.
Announcer:
How you pay for medical services depends on which FEP benefit plan option you have. Standard Option and FEP Blue Focus are a mixture of copays and coinsurance, while Basic Option has set copays for most services. Each time you go to a provider and we process a claim, you'll receive an Explanation of Benefits, or EOB.
Visual:
Animation of an EOB displayed on a computer screen.
Announcer:
An EOB is not a bill, but instead an outline of what services were performed and how your benefits were applied to cover those services, including the amount billed, the amount we paid and any balance you may be responsible for paying.
Visual:
Animations of the fepblue website displayed on a computer and the fepblue app displayed on a smartphone.
Announcer:
You can view your personal EOBs online through your MyBlue account and on the fepblue app.
Visual:
On screen text: FEP 101.
Animation of two employees being happy.
Announcer:
As a trusted provider for 60 years, you can count on us to help you stay informed and healthy every step of the way.
Visual:
Blue HowTo
FEP 101
End credits:
Brought to you by
BlueCross BlueShield
Federal Employee Program
fepblue.org
Blue HowTo: Value of MyBlue and fepblue app
Title: Blue HowTo: Value of MyBlue and fepblue app
Speaker(s): Announcer
Date: May 8, 2022
Length: 4 minutes, 31 seconds
Visual:
Blue HowTo
Get More with MyBlue
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Visual:
On screen text: What is MyBlue?
Visual:
Animation of a computer screen displaying the address fepblue.org/myblue.
Announcer:
MyBlue is the Blue Cross and Blue Shield Federal Employee Program's members-only website that lets you get more out of your Service Benefit Plan coverage.
Visual:
On screen text: How to Sign Up.
Animation of an elderly man holding his FEP Blue member card.
Announcer:
It's free to sign up for all FEP members and you get access to exclusive wellness tools that help you live healthy.
Visual:
Animation of the man sitting at his desk and checking the website on his laptop.
Announcer:
Signing up for MyBlue is easy and all Service Benefit Plan members are eligible to join. All you need to do is go to fepblue.org/signup and enter your member ID.
Visual:
The man grabs his FEP Blue member card.
Announcer:
You can find your member ID on the front of your member ID card issued to you.
Visual:
Animation of the elderly man holding his FEP Blue member card.
Announcer:
You'll then be asked to provide some additional info to verify your identity. You can do this by submitting one of the following -- your unique personal identifying number, or PIN, you received by mail after enrolling, a PIN received by calling our customer-service number or a claim number from a recent Explanation of Benefits.
Visual:
Animations of a welcome letter, a phone displaying a call to FEP, and an EOB claim paper.
Animation of the MyBlue website displayed on a computer screen.
Announcer:
If you provide your mobile phone number or email address when enrolling in our health plans, you can skip the verification process by registering for MyBlue through the unique link we'll send in your welcome email or text message.
Visual:
On screen text: Your MyBlue Dashboard.
Announcer:
Your MyBlue Dashboard is where you'll find everything related to your coverage -- all in one place.
Visual:
Animation of the man sitting at his desk and checking the website on his laptop.
Announcer:
To access it, simply sign in at fepblue.org/MyBlue.
Visual:
Animation of images representing what is mentioned.
Announcer:
Here, you'll be able to view a snapshot of your health care expenses, get estimates for procedures, see your personal health record, submit or check claims, order a new member ID card and explore your benefits.
Visual:
On screen text: Wellness Incentives and Tools.
Announcer:
MyBlue also helps you start and maintain healthy habits, no matter what your goals are.
Visual:
Animation of the elderly man holding a smartphone and thinking about his heart health.
Announcer:
When it comes to making lifestyle changes, it helps to have a plan. That's where the Blue Health Assessment comes in. In just 10 minutes, you can answer some simple questions and receive a personalized action plan for a healthier you.
Visual:
Animations of the man exercising with dumbbells, meditating and checking his smart watch.
Announcer:
MyBlue also gives you access to the Online Health Coach, which can help you work on goals like reducing stress, losing weight, or feeling happier, and track your progress.
Visual:
Animations of the man checking his blood pressure and looking at his phone.
Announcer:
Plus, MyBlue can help you manage chronic conditions, such as hypertension, diabetes, tobacco cessation and more.
Visual:
On screen text lists what is mentioned.
Announcer:
Eligible Standard and Basic Option members may be able to earn rewards for taking the Blue Health Assessment, completing Online Health Coach goals and managing their conditions. Any rewards you earn are automatically loaded onto your MyBlue Wellness Card.
Visual:
Animation of reward stars going into a MyBlue Wellness Card.
Announcer:
You can use your card to pay for qualified medical expenses, such as copays, lab fees and prescriptions.
Visual:
On screen text: Getting Care.
Announcer:
MyBlue gives you access to tools that help you at every stage of care. We'll walk you through them. Have a general health question? You can call the 24/7 Nurse Line and get answers from a registered nurse.
Visual:
Animation of the elderly man talking with a nurse on the phone.
Announcer:
With an average of 15 years of patient-care experience, they're ready to help you, day or night. Or maybe you're feeling sick, but you're not sure with what. The Online Symptom Checker can suggest possible reasons for your symptoms right from your computer or phone.
Visual:
Animation of the man feeling sick and looking at the Online Symptom Checker on his phone, followed by an animation of the man sitting in an armchair with a blanket and a laptop on his lap, with a Teladoc logo at the bottom.
Announcer:
You can get care for minor illnesses and injuries from anywhere, like in the comfort of your own home, with telehealth services by Teladoc.
Visual:
Animation of the man in a video call with a doctor.
Announcer:
Connect with a board-certified doctor via phone, video or the Teladoc app. And when you need in-person treatment, the National Doctor and Hospital Finder shows you nearby doctors and care centers that are in our network.
Visual:
Animation of the National Doctor and Hospital Finder displayed on a smartphone.
Announcer:
Preferred Providers agree to accept our payment as payment in full for their services, meaning you pay less out of pocket.
Visual:
On screen text: fepblue app
Announcer:
MyBlue isn't complete without the fepblue app.
Visual:
Animation of a medical receptionist welcoming the elderly man.
Announcer:
It lets you take these great tools and resources on the go and get some additional ones, too. Have you ever misplaced your member ID card?
Visual:
The elderly man looks for his member ID card, can’t find it and takes out his phone.
Announcer:
With the fepblue app, you can view and share your member ID card right on your phone.
Visual:
Animation of the fepblue app displayed on a smartphone.
Announcer:
The fepblue app makes sure you never miss a Wellness Incentive or reward, either. It'll send you notifications for any incentives and rewards that are available to you, so you can stay on track for your goals. The fepblue app notifications will let you know when your incentive deposit is complete or when you're eligible to redeem your FEP Blue Focus Incentive. The app also provides access to the Incentive Dashboard and shows progress on the Blue Health Assessment, Online Health Coach and other Incentive activities.
Visual:
Animation of the man thinking about a question, and checking the fepblue app.
Announcer:
If you ever have a question about your coverage, the fepblue app has an answer. You can look up coverage details based on your plan using the fepblue app's interactive benefits tool. Download it for free by visiting the App Store or Google Play. You can also learn more at fepblue.org/app.
Visual:
On screen text: Get More with MyBlue.
Announcer:
Get more out of your Service Benefit Plan coverage. Sign up for MyBlue today and access exclusive tools and resources that help you live happy and healthy.
Visual:
Animation of the man looking happy and giving a thumbs up.
Visual:
Blue HowTo
Get More with MyBlue
End credits:
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Blue HowTo: Get to Know FEP Blue Focus
Title: Blue HowTo: Get to Know FEP Blue Focus
Speaker(s): Announcer
Date: May 8, 2022
Length: 3 minutes, 21 seconds
Visual:
On screen text: Blue HowTo. Get To Know FEP Blue Focus.
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Visual:
Chapter 3: What’s FEP Blue Focus?
Visual:
Animation of an old family photo with parents and their child, who is wearing glasses. The father is holding a card.
Announcer:
Since 1960, the Blue Cross and Blue Shield Service Benefit Plan, also known as the Federal Employee Program, or simply FEP, has been committed to providing federal employees and retirees with the quality health insurance they need.
Visual:
Close-up of the health card held by the father with a list of the plan options mentioned.
Announcer:
There are three plan options you can choose from—Standard Option, Basic Option and our newest offering, FEP Blue Focus. Now, let's get to know more about FEP Blue Focus.
Visual:
On screen text: Focusing on the Essentials. FEP Blue Focus.
Announcer:
We've designed FEP Blue Focus with your healthcare needs—and budget—in mind.
Visual:
Animation of a stethoscope and a wallet.
Announcer:
It offers quality health coverage at an affordable cost.
Visual:
Animation of a person showing his FEP Blue member ID card to different health care providers.
Announcer:
FEP Blue Focus is different and may be an option you want to consider. So here are the essentials—you must see a provider in our network to receive coverage, you never need a referral to see a specialist and your coverage travels with you, even overseas.
Visual:
Animation of a person with a suitcase waving at a plane.
Animation of the FEP Blue app on a smartphone.
Announcer:
Once you enroll, one of the best ways to keep up with your benefits on the go is to download the fepblue mobile app, available on the App Store and Google Play.
Visual:
On screen text: Focusing on the benefits.
Announcer:
FEP Blue Focus benefits are categorized into three levels -- Core, Non-core and Wrap.
Visual:
Animation of the three levels represented by circles, with Core circled by Non-core, circled by Wrap.
Animation of different healthcare providers examining a patient.
Announcer:
Core benefits provide coverage for all the essentials of good preventive health, like annual checkups, vaccines and screenings, virtual doctor visits, urgent care, generic drugs, even acupuncture and chiropractor visits.
Visual:
Animation of a wallet with a $10 bill.
Announcer:
You'll pay little or no cost for these services. In fact, your first ten primary care and/or specialist visits are just $10 a visit.
Visual:
Animation of a person playing soccer and getting injured.
Announcer:
With any active lifestyle, unexpected bumps and bruises are bound to happen. That's when Non-core and Wrap benefits kick in.
Visual:
Animation of images representing the services included in Non-core benefits.
Announcer:
Non-core benefits include services like your primary care and specialist visits beyond the first ten doctor visits, lab and diagnostic services, allergy treatments, hospital services, and emergency care you may need.
Visual:
Animation of a person holding his wallet.
On screen text: Non-core benefits are subject to the deductible.
Announcer:
You'll pay the full cost for these services until you've paid your deductible amount for the year.
Visual:
On screen text: Coinsurance.
Animation of a pie chart with 30% for the person and 70% on the FEP Blue card.
Announcer:
After that, your share of the costs will be 30% coinsurance and we'll pay the rest. Then there are Wrap benefits.
Visual:
Animation of the word “Deductible” being crossed out.
Announcer:
These are benefits that do not require you to pay the deductible but vary in what you may pay out of pocket.
Visual:
Animation of a health care provider welcoming a patient in her office.
Announcer:
These cover things like home health care, maternity facility charges and physical therapy. Many have visit or usage limits.
Visual:
On screen text: Focusing on prescriptions.
Announcer:
What about your prescriptions? FEP Blue Focus covers certain prescription drugs -- mainly Preferred generics, Preferred brand name and Preferred specialty drugs.
Visual:
Animation of a patient holding prescription drugs and checking his smartphone.
Announcer:
If you're taking any prescriptions, make sure to find out if your drug is covered by going to fepblue.org/formulary.
Visual:
On screen text: What’s not covered.
On screen text lists what is mentioned.
Announcer:
Another really important thing to know about FEP Blue Focus is what's not covered -- non-preferred drugs, along with routine dental care, skilled nursing facility care and hearing aids are not covered.
Visual:
On screen text: Focusing on you.
Announcer:
We think you should get rewarded for focusing on preventive health. That's why FEP Blue Focus members can earn a reward for getting their annual checkup.
Visual:
Animation of a patient at a doctor’s office receiving a gift.
Announcer:
Reward options include items or services that help you focus on your health. Once you qualify, you can select a reward of most interest to you.
Visual:
On screen text: FEP Blue Focus.
Animation of a FEP Blue Focus member holding his member card.
Announcer:
Now you know a little bit more about FEP Blue Focus. Does it sound like it might be right for you? Check out our AskBlue tool to help you decide.
Visual:
Animation of the AskBlue tool on a smartphone.
On screen text: askblue.fepblue.org
fepblue.org/myblue
Announcer:
If you enroll in FEP Blue Focus and provide your email address, you'll receive information to sign up in the FEP Blue app for your personalized MyBlue account to help guide you through your new health plan.
Visual:
Blue HowTo.
Get To Know FEP Blue Focus.
End credits:
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Blue HowTo: Get Care with Telehealth
Title: Blue HowTo: Getting Care with Telehealth
Speaker(s): Announcer, Woman
Date: May 8, 2022
Length: 4 minutes, 4 seconds
Visual:
Blue HowTo
Getting Care with Telehealth
Visual:
On screen text: What’s telehealth?
Visual:
Animation of an old family photo with parents and their child, who is wearing glasses. The father is holding a card.
Announcer:
Since 1960, the Blue Cross and Blue Shield Federal Employee Program, or simply FEP, has been committed to providing federal employees and retirees with the quality health insurance they need.
Visual:
Close-up of the FEP card held by the father. Animation of the card displayed on a smartphone.
Announcer:
We also want to make sure it's easy for you to get care. That's why we've partnered with Teladoc to offer you telehealth services.
Visual:
Animation of a woman cooking, and then walking outside.
Announcer:
Whether you're at home, at the office or out and about, telehealth is a fast, secure way to get the care you need.
Woman:
[ Coughs ]
Visual:
The woman takes her phone out.
Announcer:
No more waiting rooms or office hours. All you need is a computer or phone to connect with a board-certified doctor—anytime, anywhere.
Visual:
Animation of the woman sitting down at her desk with a laptop, with images illustrating what is mentioned.
Announcer:
You can get treatment for minor injuries and illnesses, consult with a dermatologist and schedule appointments for behavioral-health counseling and nutritional counseling.
Visual:
Animation of a FEP member ID card and two images of a doctor on a screen.
Announcer:
Best of all, the first two telehealth visits are free for all Blue Cross and Blue Shield Service Benefit Plan members.
Visual:
On screen text: Registering for Telehealth
Announcer:
The first step to getting care with telehealth is setting up your account.
Visual:
Animation of the woman sitting on her couch with her laptop on her lap.
Announcer:
That way, when you need care later, you're ready to go.
Visual:
Animation of a computer screen displaying the address and number mentioned.
Announcer:
You can register online at fepblue.org/telehealth or by calling 1-855-636-1579.
Visual:
Animation of a smartphone displaying the Teladoc logo and a download in progress.
Announcer:
It's a good idea to download the free Teladoc app for on-the-go care. You can also use the fepblue app to quickly connect to Teladoc.
Visual:
On screen text: How to Get Everyday Care
Animation of the woman stuck in traffic and not feeling well.
Announcer:
Going to the doctor's office when you have a minor injury or illness can sometimes be a hassle.
Visual:
Animation of the woman sitting on her couch with a blanket and her cat, holding a tablet.
Announcer:
That's why telehealth is a convenient way to get care for non-emergency health issues, such as allergies, cold and flu symptoms, sinus infections and many others.
Visual:
Animation of a computer screen displaying a video call with a doctor.
Announcer:
During your online visit, you'll get as much time as you need with the doctor. They can even prescribe medication if medically necessary and submit it to a nearby pharmacy of your choice.
Visual:
On screen text: Requesting an Online Doctor Visit
Announcer:
Requesting a visit is easy.
Visual:
Animation of a computer screen displaying the website and the account page.
Announcer:
Log into your account on your computer, using the Teladoc app or through the fepblue app. Then complete your medical history. This is the information the doctor needs to provide you with an accurate diagnosis. You can request the time that's convenient for you, including ASAP.
Visual:
On screen text: Dermatology
Animation of the woman and her child, who is covered in pimples.
Announcer:
Telehealth is also a faster way to get relief for skin, nail and hair issues from a licensed dermatologist.
Visual:
The woman takes pictures of her son’s skin.
Announcer:
You can upload up to three photos for the doctor to take a look at. You'll get treatment options within two business days and then have up to seven days to reach out with any questions.
Visual:
On screen text: How to Get Behavioral Health Counselling
Announcer:
Telehealth can be a convenient way to get support for your behavioral health and emotional well-being.
Visual:
Animation of the woman sitting on her couch and being on a video call.
Announcer:
You can receive treatment from a licensed counselor, therapist, psychologist or psychiatrist from your computer or phone—wherever you're most comfortable. Appointments are available seven days a week from 7:00 a.m. to 9:00 p.m. local time.
Visual:
On screen text: Scheduling a Behavioral Health Appointment
Announcer:
Scheduling an appointment is simple.
Visual:
Animation of the Teladoc app displayed on a phone.
Announcer:
Log into your account on your computer or via the Teladoc app. Choose a doctor and then select the date and time. The session will be confirmed within 48 hours and may be conducted within 72 hours.
Visual:
Animation of the video call with the therapist.
Announcer:
During the appointment, the therapist will provide treatment and set goals for your care. If needed, you can schedule additional sessions for ongoing support and guidance.
Visual:
On screen text: Nutritional Counseling
Announcer:
Nutritional counseling appointments are also available with telehealth, and you pay nothing for all nutritional counseling sessions.
Visual:
Animation of the woman on a nutritional counseling session in her kitchen.
Announcer:
You can meet with a registered dietician to evaluate your nutritional needs and develop personalized diet and meal plans, shopping guides and more.
Visual:
Animation of the Teladoc app displayed on a phone.
Announcer:
To schedule a nutritional counseling appointment, log into your account on your computer or via the Teladoc app. Choose a dietician and then select the date and time. Complete a nutrition assessment and include any diet goals you may have. After your appointment, you can schedule additional sessions as needed.
Visual:
On screen text: What You’ll Pay
Announcer:
Telehealth isn't just convenient -- it's also affordable.
Visual:
Two images of doctors on a screen.
Announcer:
All Service Benefit Plan members get two free visits.
Visual:
On screen text: Standard Option: $10
Basic Option: $15
FEP Blue Focus: $10
Announcer:
After that, you'll still pay less than you would at the doctor's office.
Visual:
On screen text: There’s no copay for nutritional counseling sessions.
Animation of a dollar sign and images of the three payment methods mentioned.
Announcer:
Payment is due at the time of your service. You can pay using funds from your MyBlue Wellness Card by PayPal, or a credit card—it's that easy.
Visual:
On screen text: Get the Care You Need
Animation of a computer displaying a video call with a doctor. The doctor and the woman give a thumbs up.
Announcer:
Getting the care you need is important. That's why you can count on FEP to be with you every step of the way.
Visual:
Blue HowTo
Getting Care with Telehealth
End credits:
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Blue HowTo: Planning for Retirement
Title: Blue HowTo: Planning for Retirement
Speaker(s): Announcer
Date: May 8, 2022
Length: 6 minutes, 33 seconds
Visual:
Blue HowTo
Planning for Your Retirement
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Visual:
On screen text: Preparing for retirement?
Visual:
Animation of an old family photo with parents and their child, who is wearing glasses. The father is holding a card.
Announcer:
Since 1960, the Blue Cross and Blue Shield Federal Employee Program, or simply FEP, has been committed to providing federal employees and retirees with the quality health insurance they need.
Visual:
Close up of the FEP card held by the father.
Animation of a federal employee ready to retire, holding a FEP member ID card and accompanied by a FEP employee.
Announcer:
We also want to make sure you have a happy and healthy retirement by helping you prepare for what's next.
Visual: Creating a Plan.
Animation of the federal employee celebrating her retirement.
Announcer:
After years of working hard, retirement is a good time to focus on doing the things you enjoy, like developing a new hobby, traveling, spending more time with family and friends, continuing your education, and focusing on your health and well-being.
Visual:
Animation of the newly retired woman being surrounded by a guitar, a suitcase, a little girl, a desk with a laptop and a yoga mat with dumbbells.
Announcer:
Knowing how you want to spend your retirement can help you better plan for the future.
Visual:
On screen text: Retirement Planning.
Animation of the woman holding her FEP member ID card with on-screen text listing the points mentioned.
Announcer:
Here are a few tips to help you plan for retirement. One—start thinking about your retirement at least five years in advance. Two—don't plan by yourself. If you're married or in a relationship, discuss your plans with your significant other. Three—know your individual options. Everyone's retirement needs and plans are different. Four—take inventory of your financial assets. Five—evaluate your health needs.
Visual:
Focus on the last point, evaluate your health needs, with images of a network, a globe, and prescription drugs.
Announcer:
When it comes to evaluating your health needs, consider what matters most. How important is a large network of providers, overseas coverage and prescription drug coverage? The other thing to consider is cost.
Visual:
Animation of a wallet.
Announcer:
How much are you willing to pay for your health care coverage? We can help you figure it out.
Visual:
On screen text: Understanding Your Benefit Options.
Animation of the federal employee working at her desk, and then walking out.
Announcer:
One of the best things about being a federal employee is that you can take many of your health care benefits into retirement.
Visual:
On screen text: Federal Employees Health Benefits Program (FEHB)
Federal Employees Dental and Vision Insurance Program (FEDVIP)
Federal Long-Term Care Insurance Program (FLTCIP)
Federal Employees’ Group Life Insurance Program (FEGLI)
Announcer:
Ultimately, when it comes to your health and your health insurance, the decisions are up to you, but we're here to help.
Visual:
Animation of the woman holding her FEP member ID card with a concerned look, then smiling.
Announcer:
If you keep your FEHB coverage when you retire, you get the same benefits you get now as an active employee. And as long as you never cancel your insurance, you'll have the same coverage throughout your retirement.
Visual:
On screen text: The Five-Year Rule.
Animation of a FEHB member ID card.
Announcer:
All federal employees are entitled to retire on an immediate annuity under a retirement system for civilian employees. You're eligible to keep your medical coverage if you've had five years of continuous enrollment in the FEHB before your annuity starts and have not converted to an individual policy.
Visual:
Animation of five calendars piling up and a checkmark.
Announcer:
This is known as the five-year rule.
Visual:
Animation of a pie chart illustrating the numbers mentioned.
Announcer:
The federal government will continue to pay a portion of your FEHB monthly premium. They'll pay about 70% of the cost, and you'll pay the rest. If you do choose to cancel your insurance, you'll never be able to re-enroll in the FEHB.
Visual:
Animation of a cross striking through a FEHB member ID card.
Visual:
On screen text: What’s Medicare?
Announcer:
Let's talk about Medicare. Medicare is a health-insurance program provided by the U.S. government.
Visual:
Illustration of the US Capitol, with on-screen text listing what is mentioned.
Announcer:
It's available to individuals 65 and older, people with certain disabilities and those with end-stage renal disease. When you retire, Medicare is usually your primary health coverage.
Visual:
On screen text: Parts of Medicare.
Announcer:
You probably heard Medicare has different parts, but what are they?
Visual:
On screen text lists the four parts, with the illustration of a hospital for part A, a stethoscope for part B, an umbrella for part C and an Rx logo for part D.
Announcer:
Medicare Part A is hospital insurance. It covers inpatient, skilled nursing facility, home health and hospice care. Part A is free for most people. Medicare Part B is medical insurance. It covers doctor’s visits, outpatient services, X-rays and lab tests, durable medical equipment, preventive services, physical and occupational therapy and other services not covered by Part A. There's a standard premium for Part B based on your income. Medicare Part C is a Medicare Advantage Plan. This is private health insurance that provides Part A and Part B coverage—it may also cover things that Part A and Part B don't cover. Premiums vary by health insurer. Medicare Part D is prescription drug coverage. Like Part C, premiums vary by drug plan.
Visual:
Animation of the retiring woman smiling with the on-screen text: Enrolling in Medicare is a choice.
Announcer:
Enrolling in Medicare is a choice—you're not required to sign up, but doing so might be beneficial to your future health needs.
Visual:
On screen text: When are you eligible?
Animation of a birthday cake with candles in the shape of a 6 and a 5.
Announcer:
You can't enroll in Medicare until you're eligible. For most people, the initial eligibility period begins three months before your 65th birthday and ends three months after your 65th birthday.
Visual:
Animation of three calendars appearing on one side of the cake and three calendars appearing on the other side.
Animation of a calendar with one circled date and all dates after that crossed out.
Announcer:
If you don't sign up for Medicare Part B when you're first eligible, you can sign up later, but you may pay a late enrollment penalty.
Visual:
On screen text: Late Enrollment Penalty.
Animation of an up arrow and a 10% above a FEHB member ID card and a calendar with flipped pages.
Announcer:
This is a 10% premium increase for each year you delay enrollment. The penalty doesn't apply if you or your spouse are still actively working during the initial eligibility period and you choose to keep your employer-sponsored health coverage.
Visual:
On screen text: Combining FEHB and Medicare.
Animation of the retiring woman holding two health insurance cards.
Announcer:
Something you might want to consider for retirement is choosing to combine your FEHB coverage with Medicare Part A and B. Both provide great benefits separately, but combining them can give you even more.
Visual:
On screen text: Closing Medicare Gaps.
Animation of a bar illustrating how much is covered and by what.
Announcer:
While Medicare Part A and B cover a lot, they don't cover everything. These gaps include prescriptions, hearing aids, dental care and overseas care. Your FEHB plan may cover many of these services.
Visual:
On screen text: Reduced Out-of-Pocket Costs.
Animation of a FEHB card and a Medicare card along with dollar signs.
Announcer:
Many FEHB plans waive or reduce deductibles and copays when Medicare is your primary coverage.
Visual:
On screen text: Premiums.
Animation of a FEHP card and a medical bill.
Announcer:
Some FEHB plans also have special benefits or programs that can help members pay for a portion of their Part B premiums.
Visual:
On screen text: Part C and D
Animation of a FEHP card and a Medicare card with its four parts listed underneath.
Announcer:
If you decide to keep your FEHB coverage, you don't need to sign up for Part C.
Visual:
Part C is crossed off the list.
Announcer:
If you combine your FEHB coverage with Medicare Part A and B, you don't need a supplemental drug plan like Medicare Part D.
Visual:
Part D is crossed off the list.
Announcer:
That's because FEHB coverage pays, on average, the same amount as a Part D plan.
Visual:
On screen text: Dental and Vision.
Animation of dental and vision cards and the Medicare card with Part A and B listed, with images for dental and vision crossed out.
Announcer:
Something else to think about is that Medicare Part A and B do not cover dental and vision care. That's why enrolling in a FEDVIP dental or vision plan could be a smart decision for you.
Visual:
On screen text: Medicare and Blue.
Announcer:
As we mentioned before, your health care benefits don't change after you retire.
Visual:
Animation of the retiring woman presenting her FEP Blue member ID card to a medical receptionist.
Announcer:
If you're a member of the Blue Cross and Blue Shield Service Benefit Plan, you get access to the great benefits you rely on now, including worldwide coverage, a large network of Preferred Providers, wellness rewards and discounts. And you can still choose from one of our three plan options, Standard Option, Basic Option and FEP Blue Focus. But if you decide to combine your coverage with Medicare Part A and B, you get even more great benefits.
Visual:
Animation of the FEHB and Medicare cards. On screen text: copays, coinsurance, deductibles. The three words are being crossed out.
Announcer:
We'll waive your copays, coinsurance and deductibles for covered services.
Visual:
On screen text: Basic Option.
Animation of a package with prescription drugs and an envelope with a check.
Announcer:
If you're a Basic Option member, you get access to our Mail Service Pharmacy Program and get a reimbursement on your Part B premiums.
Visual:
On screen text: Standard Option, Basic Option.
Animation of two out of three dollar signs being crossed out on a prescription drug bottle’s tag.
Announcer:
Standard and Basic Option members get reduced copays for certain prescription drugs.
Visual:
Animation of the retiring woman sitting at a table calculating costs.
On screen text: Service Benefit Plan premium
+ Medicare Part B premium
Announcer:
If you do decide to combine coverage, you'll pay your Service Benefit Plan premium plus your Medicare Part B premium. While this may seem like a lot, if you calculate the cost of both premiums, the overall cost can be lower than your medical costs, especially any unexpected ones that may come up as your health needs change throughout retirement.
Visual: Animation of the FEHB and Medicare cards.
On screen text: fepblue.org/medicare
Announcer:
To see all the ways the Service Benefit Plan and Medicare work together, visit fepblue.org/medicare.
Visual:
Animation of the retiring woman sitting on her couch and talking on the phone, while a little girl runs across the living room.
Announcer:
We know there's a lot to think about before you retire. If you have more questions, you can reach out to these organizations to learn more.
Visual:
On screen text: Medicare, Social Security, OPM, NARFE.
Announcer:
And as always, you can count on FEP to be with you every step of the way.
Visual:
Blue HowTo
Planning for Your Retirement
End credits:
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Blue HowTo: Preventive Care
Title: Blue HowTo: Preventive Care
Speaker(s): Announcer, Baby
Date: May 8, 2022
Length: 4 minutes, 45 seconds
Visual:
On screen text: Blue HowTo
Preventive Care
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Visual:
On screen text: What’s preventive care?
Visual:
Animation of an old family photo with parents and their child, who is wearing glasses. The father is holding a card.
Announcer:
Since 1960, the Blue Cross and Blue Shield Federal Employee Program, or simply FEP, has been committed to providing federal employees and retirees with the quality health insurance they need.
Visual:
Close up of the FEP member ID card held by the father. Animation of a modern man holding the card.
Announcer:
An important part of that is helping you stay on top of your health. That's where preventive care comes in.
Visual:
Animation of the man getting a check-up at a doctor’s office.
Announcer:
Preventive care is any routine service that can prevent health conditions or detect them early, when the conditions are more likely to be easily treatable. Like a "check engine" light on your car, these services can alert your doctor to something serious that's going on inside your body.
Visual:
Animation of the man presenting his FEP member ID card to a medical receptionist.
On screen text lists the options mentioned.
Announcer:
One of the best benefits of being a Service Benefit Plan member is that whether you have Standard Option, Basic Option or FEP Blue Focus, you pay nothing for preventive care services when you visit a Preferred Provider -- they're free. This includes checkups, flu shots, nutritional counseling, cancer screenings and more.
Visual:
On screen text: Well Visits.
Animation of a calendar with a circled date, and a doctor waving her hand.
Announcer:
Seeing your doctor on a regular basis at least once a year can help you prevent health problems.
Visual:
Animation of the doctor examining the man.
Announcer:
During an annual wellness visit, your doctor will give you a physical exam, check your weight and blood pressure, and assess any risks. Plus, FEP Blue Focus members are eligible to earn rewards for having their annual physical, such as a healthy meal subscription, discount gym membership or a free Fitbit.
Visual:
Animation of a gift box falling into the man’s hands and opening to images representing the rewards mentioned.
On screen text: FEP Blue Focus. fepblue.org/focus
Announcer:
You can learn about these rewards at fepblue.org/focus.
Visual:
Animation of the man in the doctor’s office. The doctor is holding a clipboard.
Announcer:
But there's more to preventive care than just your checkup. Your doctor may recommend additional screenings.
Visual:
Close up on the clipboard, with a list of the screenings mentioned.
Announcer:
Screenings are tests that look for diseases or health issues before you show symptoms, such as for high cholesterol, hepatitis C, osteoporosis, diabetes, cancer and depression.
Visual:
On screen text: Cancer Screenings.
Announcer:
Early cancer detection can help find cancer when it's easier to treat.
Visual:
Animation of a woman in a gynecologist’s office.
Announcer:
That's why it's important to talk to your doctor about screenings you may need and when you should have them.
Visual:
On screen text: Breast Cancer.
Animation of the gynecologist giving the woman a mammogram.
Announcer:
A mammogram is a screening test for breast cancer that can show cancer before it's big enough to feel or cause symptoms. Breast cancer screening is recommended for women 50 to 74.
Visual:
On screen text: Cervical Cancer
Animation of the gynecologist talking with the woman while a pair of leg supports come out of the examination table.
Announcer:
Regular Pap smears can find abnormal cells on the cervix, which can then be removed. It's recommended that women ages 21 to 65 get a Pap test every three years. Your family doctor or gynecologist can do your Pap smear.
Visual:
On screen text: Colon Cancer
Announcer:
Colon cancer is the second most common cause of death from cancer, and catching it early may mean easier treatment and a better outcome.
Visual:
Animation of a man at a doctor’s office.
Announcer:
There are different tests available to screen for colon cancer. Certain screenings, such as a colonoscopy, can find polyps early before they become cancerous. Other screenings are easy enough to do in your own home without preparation or taking time off work. Talk to your doctor about your options. Colon cancer screenings are recommended for all adults over the age of 50.
Visual:
On screen text: Prostate Cancer.
Same animation of a man at a doctor’s office.
Announcer:
Prostate cancer is the most common cancer in men. Talk to your doctor to learn more about the risks and benefits of prostate screenings, especially if you're over the age of 50.
Visual:
On screen text: Well-child Care
Animation of a child, and a calendar with a circled date.
Announcer:
Children over the age of three should see a health care provider at least every year, not just when they're sick or hurt.
Visual:
Animation of a baby in a car seat and a calendar with flipping pages.
On screen scrolling text: 1 month, 2 months, 4 months, 6 months, 9 months, 12 months, 15 months, 18 months, 2 years, 2 ? years.
Announcer:
Newborns should see their doctor nearly every month for the first six months of life, and then every three months until they are 18 months old.
Baby:
[ Laughs ]
Visual:
On screen text: Vaccines.
Announcer:
Staying up to date with your vaccines is an essential part of good health, too.
Visual:
Animation of a man and viruses above him.
Announcer:
It helps protect yourself and others from many diseases, including cancer. Here are some of the most common vaccines for adults over 18, including the flu shot.
Visual:
On screen text: Vaccines for Adults 18+.
Scrolling text: Hepatitis (types A and B)
Herpes zoster (shingles)
Human papillomavirus (HPV)
Influenza (flu)
Measles, mumps, rubella
Meningococcal
Pneumococcal
Tetanus, Diphtheria, Pertussis (Tdap)
Varicella
Announcer:
Talk to your doctor about which ones are right for you. You'll pay nothing for certain vaccines when provided by a Preferred retail pharmacy in our vaccine network. These are the most common vaccines for infants, kids and teenagers.
Visual:
On screen text: Vaccines for Children.
Scrolling text: Diphtheria, tetanus, pertussis (DTaP)
Hemophilus influenza type b (Hib)
Hepatitis (types A and B)
Human papillomavirus (HPV)
Inactivated poliovirus
Measles, Mumps, Rubella (MMR)
Meningococcal (Meningitis)
Pneumococcal
Rotavirus
Influenza (flu)
Varicella
Tetanus, Diphtheria, Pertussis (Tdap)
Announcer:
Talk to your doctor about which ones your children should get and when.
Visual:
On screen text: Finding a Preferred Provider.
Animation of a FEP member ID card, with a checkmark above.
Announcer:
Preventive care is covered 100% when you see a doctor in our network or what's known as a Preferred Provider. There are different types of providers to meet your preventive care needs.
Visual:
Animation of different health care providers.
Announcer:
Primary care providers, such as doctors, nurse practitioners and physician assistants, are your main caregivers for non-emergency situations. Family practitioners see patients of all ages and treat a variety of health conditions. Internal medicine doctors specialize in the prevention, diagnosis and management of diseases and chronic conditions for adults. Pediatricians provide care from infancy to age 21. Obstetricians and gynecologists specialize in women's care. And geriatricians focus on older adults and the aging process.
You can use the Find a Provider tool on fepblue.org or the fepblue app to find a doctor, specialist or urgent care center near you.
Visual:
Animation of the fepblue app displayed on a smartphone.
Announcer:
We know there's a lot that goes into your health, but you can always count on FEP to be with you every step of the way.
Visual:
Animation of a smiling man.
Visual:
Blue HowTo
Preventive Care
End credits:
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Blue HowTo: Understanding Your Prescription Drug Costs
Title: Blue HowTo: Understanding Your Prescription Drug Costs
Speaker(s): Announcer
Date: May 8, 2022
Length: 4 minutes, 2 seconds
Visual:
Blue HowTo
Understanding Your Prescription Drug Costs
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Visual:
On screen text: Why do your prescriptions cost what they do?
Visual:
Animation of an old family photo with parents and their child, who is wearing glasses. The father is holding a card.
Announcer:
The Blue Cross and Blue Shield Federal Employee Program, or simply FEP, has been committed to providing federal employees and retirees with quality health insurance since 1960.
Visual:
Close up of the FEP card held by the father.
Animation of a Rx logo on the card being circled, and Rx prescription bags and prescription drug bottles around the card.
Announcer:
Part of this commitment includes providing comprehensive prescription drug coverage at an affordable price. We also want to make sure you understand your prescription drug costs and what we do to help keep your out-of-pocket costs low for the medications you and your family need.
Visual:
On screen text: Prescription Drugs Costs.
Animation of an elderly man holding a prescription drug bag and being surprised by the receipt.
Announcer:
If you've taken a prescription drug for several years, you've probably noticed that the cost has risen over time. You're not alone.
Visual:
On screen text: Source: Healthline, January 2020.
Animations of a calendar with flipped pages, and a pillbox illustrating a 5% increase.
Announcer:
According to some experts, prescription drug costs go up 5% a year on average. But sometimes it can even go up by hundreds of dollars at a time. And it's not just for brand-name prescription drugs.
Visual:
Animation of a brand-name prescription drug bottle with a price tag of three dollar signs, and a generic drug bottle with a price tag of two dollar signs.
Announcer:
Many generic drugs, which are usually cheaper, are also seeing price increases each year. But why? And what can you do about it?
Visual:
On screen text: A Closer Look at the Prescription Drug Supply Chain.
Announcer:
First, we need to take a look at the prescription drug supply chain to understand how they are priced.
Visual:
Animation of multiple buildings being connected to each other.
Announcer:
You should know that the way prescription drugs are priced is not a simple or straightforward process. In fact, it can be quite complex. That's part of the reason why drugs can be so expensive. But we'll help explain how it works.
Visual:
Close up of the first building, named Pharmaceuticals.
Announcer:
Different organizations make up the prescription drug supply chain. It starts with the pharmaceutical companies. They make the drugs and set the list price for each one.
Visual:
Close up of the second building, named Wholesaler.
Announcer:
Then there are the wholesalers. They transport the drugs and sell them to the pharmacies.
Visual:
Animation of a truck driving from the Wholesaler building to the third building, named Pharmacy.
Animation of a prescription drug bag and a wallet next to the pharmacy.
Announcer:
The pharmacy is where you get your prescription filled and pay for your portion of the cost. The pharmacy sends a bill to your health plan to pay for the rest.
Visual:
Close up of the fourth building, named Pharmacy benefits manager, with a pop-up vignette showing an employee from that building.
Announcer:
There are also pharmacy benefit managers, or PBMs. A PBM can work for a large corporation, a government agency or a health plan. Their main role is to negotiate pricing with the drug makers and pharmacies, which helps determine what you'll pay for a drug.
Visual:
Animation of a rebate with three dollar signs.
Announcer:
Part of their negotiation includes getting rebates from the drug makers to help lower prescription costs.
Visual:
Animation of two dollar signs from the rebate going to the PBM building, and one dollar sign going to the employee.
Announcer:
Usually, the PBMs take a portion of the rebate for themselves and pass another piece on to the health plan or their employer.
Visual:
On screen text: How FEP Keeps Prescription Costs Lower.
Animation of a PBM connected to a FEP employee.
Announcer:
FEP handles rebates differently. We work with our pharmacy benefit manager to maximize member cost savings with rebates.
Visual:
On screen text: This point-of-sale transaction only applies to prescriptions purchased via the Retail Pharmacy Program.
Animation of an elderly man presenting his FEP member ID card to a pharmacist, which gives him prescription drugs and keeps the rebate on her side.
Announcer:
When you fill a prescription at a retail pharmacy, we pass the savings on to you from rebates at the point of sale, which lowers your out-of-pocket costs.
Visual:
Animation of the PBM and FEB employee, and the rebate being split into a FEP card.
Announcer:
Unlike most arrangements, the PBM does not take a portion of the rebate for themselves, and FEP doesn't keep the savings, either. All of the savings are passed on to our members.
Visual:
On screen text: Prescription Cost Tool.
Announcer:
When it comes to your prescription drugs, it pays to have the right information.
Visual:
Animation of the elderly man on his computer, checking the FEP website.
Announcer:
That's why we created our online prescription cost tool. You can see which drugs are covered under your plan, compare the costs for brand-name and generic medications, what you'll pay if you use our Mail Service to have drugs delivered to your home and more.
Visual:
Animation of the man looking at his laptop and getting a bag of medications on his desk, which makes him smile.
On screen text: The Mail Service Pharmacy is available to Standard Option members and Basic Option members with Medicare Part B primary.
Announcer:
Try it for yourself at fepblue.org/rxcosts.
Visual:
Animation of the FEP website on a computer screen.
Visual:
On screen text: Civica Rx.
Animation of an elderly man presenting his FEP member ID card to a pharmacist, which gives him prescription drugs.
Announcer:
We believe everyone should have access to safe, effective and essential prescription medications when they need them at a price they can afford.
Visual:
Animation of a Civica building.
Announcer:
That's why Blue Cross and Blue Shield has partnered with nonprofit Civica Rx to help produce more affordable and reliable supplies of generic drugs.
Visual:
Animation of the Civica building, previously named pharmaceuticals, being connected to the wholesaler, pharmacy and pharmacy benefits manager buildings.
Announcer:
In the coming years, more generic drugs will become available, along with an anticipated hundreds of millions of dollars in savings for consumers like you.
Visual:
Animation of the elderly man getting his prescription drugs from his pharmacist, with the logos for Civica and Blue Cross Blue Shield Federal Employee Program at the bottom. The man looks happy and gives a thumbs up.
Announcer:
This partnership is just one of the ways we're ensuring that our members’ needs always come first.
Visual:
Animation of a FEP employee being connected to different pharmacists and health care providers.
Announcer:
We're also working with other leaders in the healthcare industry to develop even more innovative solutions and programs to make quality health care more affordable for all.
Visual:
On screen text: Prescription Drugs.
Animation of a hand holding a prescription drug bottle, and another hand scrolling through the FEP website on a tablet.
Announcer:
As your partner in health, we want you to stay aware and informed of your prescription costs. And if you're taking any prescriptions, you can see if your drug is covered under your plan by going to fepblue.org/formulary.
Visual:
Animation of the elderly man holding his prescription drug bag, smiling, and giving a thumbs up.
Announcer:
We know health insurance can be complicated, but you can always count on FEP to be with you every step of the way.
Visual:
Blue HowTo
Understanding Your Prescription Drug Costs.
End credits:
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Blue HowTo: Healthcare Finances 101
Title: Blue HowTo: Healthcare Finances 101
Speaker(s): Announcer, Baby
Date: May 8, 2022
Length: 6 minutes, 32 seconds
Visual:
Blue HowTo
Health care Finances 101
Brought to you by
Blue Cross Blue Shield Federal Employee Program
fepblue.org
Visual:
On screen text: How can you avoid surprise health care bills?
Visual:
Animation of an old family photo with parents and their child, who is wearing glasses. The father is holding a card.
Announcer:
The Blue Cross and Blue Shield Federal Employee Program, or simply FEP, has been committed to providing federal employees and retirees with quality health insurance since 1960.
Visual:
Close up of the health card held by the father.
Animation of a woman reading a health care bill and getting a check.
Announcer:
A big part of that is making sure you understand your health care costs, everything from what you can expect to pay for services to how you can better manage your health care finances. That way, you can avoid any surprise bills before or after you get the care you need.
Visual:
On screen text: Planning for Care.
Announcer:
When selecting a health plan, it's important to consider the amount of care you and your family will need.
Visual:
Animation of a couple holding hands, with images representing health care and cost.
Announcer:
The key is finding the right balance between your health care coverage and how much you're willing to spend. Picking too much or too little coverage could end up costing you more in the long run. There are three categories of care you should think about while making your decision.
Visual:
On screen text: Preventive Care.
Animation of a woman being checked by a doctor.
Announcer:
Preventive care is any routine service that can prevent health conditions or detect them early when they're more likely to be treatable. You may only go to the doctor when you're sick or injured, but it's also important to have your annual wellness checkup. You might take a maintenance prescription drug to help keep you well. This category also includes your annual flu shot and preventive screenings.
Visual:
On screen text: Basic Care.
Animation of a man being checked by a doctor.
Announcer:
Basic care is for those who see their doctor a little more regularly. You might go to a doctor or a specialist to manage a chronic health condition and you probably take multiple prescription drugs. This category is also for those who may need treatment for a sports injury or have a minor visit to urgent care during the year.
Visual:
On screen text: Additional Care.
Animation of a pregnant woman, and a man monitoring his sugar levels.
Announcer:
Additional care is for those who are planning for a major health event, like having a baby or surgery. You might be managing multiple chronic conditions like diabetes and heart disease, as well as taking several high-cost prescription drugs.
Visual:
Animation of images of prescription drugs, crutches and a newborn appearing above the couple.
Announcer:
When considering these three categories, think about the type of care you've needed in the past and what you or others on your health plan might need in the future -- that will help ensure you pick the right health plan for your needs.
Visual:
On screen text: Understanding Your Bill.
Announcer:
When it comes to your health care, you might wonder how billing works.
Visual:
Animation of a bill next to a hospital, then next to a FEP building.
Announcer:
After you receive care, your doctor sends a bill -- also known as a claim -- to your health plan to pay for the service. You may be required to pay a portion of the cost. How much you pay depends on the plan you have.
Visual:
A table illustrates that copay and coinsurance are included in the Standard Option and FEP Blue Focus, and copay is included in the Basic Option.
Announcer:
With FEP, Standard Option and FEP Blue Focus are a mixture of copays and coinsurance, while Basic Option has set co-pays for most services.
Visual:
On screen text: Out-of-pocket Costs.
Announcer:
Let's take a closer look at some of these out-of-pocket costs.
Visual:
On screen text: Deductible.
Animation of money getting out of a woman’s wallet and into a health care bill.
Announcer:
Your deductible is a specific amount you pay for medical care before your health plan pays their share.
Visual:
On screen text: Copay.
Animation of a woman with images illustrating health care and prescription costs.
Announcer:
A copay is a set amount you pay for a covered service, like a visit to the doctor or filling a prescription. Generally, once you pay your copay, there's no additional amount for you to pay.
Visual:
On screen text: Coinsurance.
Animation of a pie chart illustrating what is mentioned.
Announcer:
Coinsurance is your share of the cost for a service, usually calculated as a percentage. You start paying coinsurance after you pay your deductible. For example, if you have a 20% coinsurance, you pay 20% of the plan allowance or billed amount -- whichever is less -- and your health plan would pay the remaining 80%.
Visual:
On screen text: Out-of-pocket Maximum.
Animation of a bar filling up to a certain limit, and then exceeding that limit, with a wallet next to the first half, and a health card next to the other half.
Announcer:
The out-of-pocket maximum is the most you'll pay for covered services in a calendar year. It includes what you spend on deductibles, copays and coinsurance. After you reach this amount, your health plan pays 100% for all covered services.
Visual:
On screen text: Claims.
Animation of a bill next to a FEP building.
Announcer:
A claim is a request for payment that gets submitted to your health plan so they can cover your service or treatment.
Visual:
Animation of a woman presenting her FEP member ID card to a medical receptionist.
Announcer:
When you see a provider in our network, they will bill us directly.
Visual:
Animation of a woman presenting her FEP member ID card to a medical receptionist, and then getting money of her wallet.
On screen text: If you have Basic Option or FEB Blue Focus coverage, you must use Preferred providers to receive benefits.
Announcer:
If you see someone outside of our network, you'll have to pay the provider and submit the claim yourself. We will then reimburse you for your payment. To learn more about submitting a claim, visit FEPBlue.org.
Visual:
On screen text: Explanation of Benefits (EOBs).
Announcer:
Each time you go to a doctor or provider and we process a claim, you'll receive an Explanation of Benefits, or EOB.
Visual:
Animation of an EOB displayed on a computer screen.
Announcer:
An EOB is not a bill, but instead an outline of what services were performed and how your benefits were applied to cover those services, including the amount billed, the amount we paid and any balance you may be responsible for paying. You can view your personal EOB online through your MyBlue account and on the fepblue app.
Visual:
On screen text: Our Health care Cost Tools.
Announcer:
We have a variety of tools that make managing and understanding your health care finances easy.
Visual:
Animation of the FEPblue app displayed on a smartphone.
Announcer:
You can use the National Doctor and Hospital Finder tool on FEPBlue.org or the fepblue app to find a doctor, specialist or urgent care center. If you log into MyBlue when searching for providers, you see how much they typically charge for a procedure and can then compare estimated costs with other in-network providers.
Visual:
On screen text: Prescription Cost Tool.
Announcer:
When it comes to your prescription drugs, it pays to have the right information.
Visual:
Animation of the FEP website displayed on a computer screen.
Announcer:
That's why we updated our online prescription cost tool. You can search for the lowest price on your medications for pharmacies in your area. You'll be able to compare costs for brand-name and generic medications, including what you'll pay if you pick it up at the pharmacy or if you use our Mail Service to have it delivered to your home.
Visual:
Animation of a woman looking at her laptop and getting a bag of medications on her desk, which makes her smile.
On screen text: The Mail Service Pharmacy is available to Standard Option members and Basic Option members with Medicare Part B primary.
The woman compares two bottles of prescription drugs at her desk.
Announcer:
You can also use the prescription cost tool to see which drugs are covered under your plan, easily compare the cost of covered drugs for all of our plans, and find lower-cost options if those are available.
Visual:
On screen text: Financial Dashboard.
Animation of the woman writing at her desk.
Announcer:
Your Financial Dashboard lets you see all of your health care financial data in one secure place and highlights where you might be able to save money.
Visual:
Animation of the Financial Dashboard displayed on a computer screen.
Announcer:
Use it to access key spending information in real time, including how close you are to reaching your deductible, your out-of-pocket costs and how close you are to the limit, how many provider visits you've had so far, and the amount you've paid for any medical or pharmacy claims. The year to date summary gives you a running total of your completed claims, your MyBlue Wellness Card balance if you've earned any incentives and pharmacy spending throughout the year. You can view this by logging into your MyBlue account or on the fepblue app.
Visual:
On screen text: FEP Health care Cost Advisor.
Animation of a couple talking about health care and looking at the website.
Announcer:
We want to help you make the most informed health care decisions. With our health care planning tool, you can get valuable insight into your future health care spending. Using your health care information, financial goals, and personalized data, the tool estimates potential out-of-pocket costs for your health plan and other FEP plan options so you can predict what you might spend in the future.
Baby:
[ Laughs ]
Announcer:
You can then use these estimates to help you select the right plan or figure out your health care budget.
Visual:
On screen text: Understanding Your Health care Costs .
Announcer:
We know healthcare costs can be confusing, but you can count on FEP to help you understand your finances and be with you every step of the way.
Visual:
Animation of the couple giving a thumbs up.
Visual:
Blue HowTo
Healthcare Finances 101
End credits:
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