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BCBS FEP

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Is there anyone out there that has any experience with BCBS Federal

Employee Program (of North Carolina specifically, but any state will

do)? We got our DocBand from CT and they are considered out of network

for BCBS FEP, which means that I had to file my own claim (which I

just mailed today) and they will cover 75% after our deductible. The

insurance specialist at CT said that BCBS of NC typically only covers

about 600 dollars BEFORE the deductible (so for us, our deductible is

300 and the would cover 75% of the other 300, which is 225). Although

regular BCBS is different from BCBS FEP, I'm preparing for the worst

here (75% of 300 is a lot different than 75% of 2700). If anyone has

had any experience with this insurance, I'd love to hear from you.

Especially if there's any chance of appealing based on the amount

covered (as opposed to appealing on whether it's covered at all).

Thanks!

Jake-17m (tort resolved/rt plagio/DocBand 2/11/08)

Jordan-4

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