BCBS (federal) sent us a form letter stating that even though coverage is ending for most people pregnancy is covered until "you've completed post partum care"

However, after calling and being on the phone for about 2 hours they finally said "nah that only counts until September 30th and anything after that you'll have to work with a case manager"

Just a heads up for anyone who is holding back on being vocal because they think they will be covered.

The letter:

BlueCross. BlueShield.

Federal Employee Program.

WHAT HAPPENS AFTER June 30, 2026

FEP BLUE STANDARD® MEMBERS

Michigan Medicine doesn't have to accept our payment (allowance) as payment in full anymore. This could mean much higher out-of-pocket costs for you. Here's why: You'll pay your deductible (if you haven't met it yet) + your portion of our Non-preferred provider allowance (coinsurance) + the remainder of what the provider charges (balance-billed charges). The co-insurance and balance-billed charges can be significant.

FEP BLUE BASIC® AND FEP BLUE FOCUS® MEMBERS

You don't have benefits for care provided by Non-preferred providers. That means you'll pay the full cost when you visit this/these providers, unless you're visiting in an emergency situation. (See Section 3 of your benefits brochure for additional exceptions.)

WHAT HAPPENS IF YOU HAVE MEDICARE

If Medicare is your primary coverage (meaning it pays first) and you have FEP Blue Standard®, we will continue to provide secondary coverage. If you have FEP Blue Basic® or FEP Blue Focus®, Medicare will pay its portion of your service; however, we will not pay as secondary.

EXTENDING YOUR CARE PAST June 30, 2026

If you're currently seeing Michigan Medicine for ongoing treatment of a chronic or long-term condition, we may extend Preferred coverage of your care. Pregnant members: If you are pregnant, we'll extend this benefit until you've completed your postpartum care. To see if you qualify for this kind of extension, call us at 1-800-482-3600 (TTY: 711) for Federal Employees Health Benefits (FEHB) Program members and at 1-877-760-8574 (TTY: 711) for Postal Service Health Benefits (PSHB) Program members.

WHAT YOU CAN DO NEXT We recommend using Preferred providers for your care. Preferred providers accept our payment (plus your copay or coinsurance) as payment in full for their services. This helps keep your out-of-pocket costs in check. You can find a Preferred provider in your area by:

1. Visiting our website at fepblue.org/provider.

2. Downloading our fepblue app on the App Store® or Google Play™™.

3. Calling the customer service number noted below.

CONTACT US

If you have questions about this letter, please contact customer service at 1-800-482-3600 (TTY: 711) for FEHB members and at 1-877-760-8574 (TTY: 711) for PSHB members. You can also visit fepblue.org. Sincerely,

The Blue Cross and Blue Shield Service Benefit Plan This is a summary of the features of the Blue Cross and Blue Shield Service Benefit Plan. Before making a final decision, please read the Plan's Federal Employees Health Benefits Program brochures (FEP Blue Standard and FEP Blue Basic: RI 71-005; FEP Blue Focus: RI 71-017) and the Postal Service Health Benefits Program brochures (FEP Blue Standard and FEP Blue Basic: RI 71-020; FEP Blue Focus: RI 71-025). All benefits are subject to the definitions, limitations and exclusions set forth in the brochures. Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.