My guest, Ron Miller is BlueKC’s FEP Senior Sales Consultant & Labor Liaison and Ron and I have all the things to know Right Now and why Federal Employees should consider Blue Cross Ble Shield for their health insurance needs!
- The Blue Cross and Blue Shield Federal Employee Program is the number one health insurance choice for federal employees, retirees, and their families.
- For nearly 60 years, we’ve been committed to offering federal employees the best healthcare coverage in the U.S.
- More than 99% of our members stay with us year over year.
- Our preferred provider network includes 95% of doctors, 96% of hospitals and 65,000 pharmacies nationwide. And you never need a referral to see a specialist.
- 24/7 care provided by Teladoc Health – treatment for minor injuries and illnesses, mental health support, dermatology care and more by phone or video.
- Preventive care is always covered when you see a Preferred provider.
- OPEN ENROLLMENT SEASON runs from Monday, Nov. 11th through Saturday, Dec. 8, 2025.
Virtual Fairs:
https://www.fepblue.org/events
To learn more about the Blue Cross Blue Shield Federal Employee Program, visit fepblue.org or call 800-411-BLUE.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:01):
And now America's Healthcare Advocate,Cary Hall.
Hello, America.
Welcome to America's Healthcare Advocates.
Show Broadcasting Coastto coast across the USA.
Here on the HIA Radio Network,you can find out more about us
by going to the websiteAmericasHealthcareAdvocate.com.
Also, all these shows are posted onour podcast platform and YouTube platform.
(00:22):
New numbers.
We are at 605,000 views.
That's because. And listens on podcast.
That's because of all of youin this audience.
I want to thank you too.The show continues to grow.
We continue to pick up affiliatesand what's going on on our podcast.
And YouTube is beyond anythingI thought we'd ever accomplish.
(00:43):
Hats off to Garner and to Dave Thiessenfor putting all this together.
And Dave, particularly for all the showshe videotapes and puts up there.
If you're looking for ACA, Obamacare,
maybe you're goingto get one of those letters
and you got one of those 17% increases.
Of course you wouldn't if you were on BlueCross and Blue Shield of Kansas City.
But let's just say you're not.
You might want to give Carolee Steeleover at RPS Benefits by Design a call.
(01:06):
And see if they can help you.
That would be (913) 385 2224.
That's (913) 385 2224.
And if you're looking for employersponsored coverage,
call Maria Ahlers she'll show youeverything in the marketplace and help
you make the right decision.
All right.
In studio with me for what is this,like the 12th, the 13th year we've done?
It's been a lot of years.
(01:27):
Well, you've been there30 years. 30 years.
Okay, I don't have that number,but I've been doing this
since Ron Rowe brought us in. Yes.
And that was seven, 18 years ago. Yes.
As Blue Crossbecame our first sponsor. Yes.
And so today we're going to do whatwe call the FEP Show.
That's the Federal Employee Show.We do this every year.
The purpose of itis to inform the federal employees
(01:48):
about this open enrollment periodthey have, which is very narrow.
It's November 10th to December 8th.
It's not a large open enrollment period.
So the idea hereis to get this information out there.
We'll put it up on our YouTube channel.
Our podcast channel,and then we'll tell the federal employees,
you know,where they can go to get more information.
But the whole idea aboutthis is to educate folks.
(02:09):
So let's just start with how many federal
and postal employees estimatedo we have in the Kansas City metro?
Kansas City Metro,we have over 39,000 members.
That and their families have chosen us.
And, you know, we appreciate thatfederal employees in the Kansas City
area, over and over have shownwe have a 99% retention, which is.
(02:31):
Insane.
Which is insanethat, you know, members join us
and they stay because we haveand we'll touch on this later.
Our customer service is oh, we'll.Talk about. That.
And so we just have, we just really it'sreally a priority for us.
Blue Cross and Blue Shield.
Yeah.
I the fact that you retain99% of your members, that's,
That's really hard to believe. It'shard. Yeah.
(02:53):
But it's remarkable tribute to the folksat Blue Cross of Kansas City and all that
you guys do.
So let's talk a little bit about,doctors, hospitals and access,
because this is another piece of thisthat makes it so different
than anything elsethat's out there in the marketplace.
Yeah.
For all of our plans that we have therenationwide plan, some of them.
May you have to stay in the networkfor both our basic and our blue focus.
(03:15):
But as far as access,we have 99% of all doctors.
That are in
nationwide that are in the network. Okay.
So if you go in for Thanksgiving, you'regoing to go see somebody out of town.
You're going to have coveragewherever you are.
Hundred percent, wherever you are.
You’re going to have coverage.
So that's one of the good thingsabout Blue Cross Blue Shield.
(03:37):
You're not going to go anywhere.Show your Blue Cross card.
And they're going to say,what is it that you have.
No they will not.
So yeah they won't you know.
And so the doctors, hospitalsthat we have,
we also have a Teladoc program,you know, which during Covid
really kind of picked upwhere people are able to do it,
(03:58):
on their phone, for doctors
and so we still havethat Teladoc, available.
Which is interesting because, you know,
that that also has mentalhealth support on it as well.
That is, that isand that's really been a priority for us,
as well as a lot of other people out therewith just, you know, things.
As things are going
mental health is definitely, mental healthparity that we have in the state.
(04:19):
And so it's a very important thing.
And we have that with our Teladoc as well.
Yeah.
And I know Erin Stucky, your CEO, hasreally kind of pioneered this along with,
you know, you've got Ryan Lefebvrewho's going to be in this radio studio
in a couple of weeksto talk about mental health and all that.
You know,
there is an issue with this, especially,you know, amongst younger people.
I've got, you know, six grandchildren.
(04:40):
And thank God none of them had this issue.
But there are a lot of young people
out there on social mediaand these other places.
You see these kids committing suicide.
You see these kids harming themselves.
And the fact that you've got thisavailable in Teladoc,
where the kid can go in a room,
close the door and get on a computerand talk to a clinician.
That's a big deal, Ron. Right. Yeah,it is a big deal.
(05:01):
It gives people some privacy.
It gives people some comfort, especiallyto be able to do it in their home.
You know, I think that allows some people
to have some comfortto do it in their own home.
And so it's just one of the thingsthat we try to do, you know,
and we've been in Blue Cross is 60 yearsin the federal employee program.
That's amazing.
I didn't know it was that long. Yeah.
60 years of continuous serviceto the federal employees of their family.
(05:25):
Of the members and the families.
And, that includes postal workers as well.
Includes postal workers as well.
So pretty remarkable.
Let's talk a little bit about the FEPMedicare prescription drug program.
And how that works and what that's like.
For, Medicare prescription drug programs.
So for postal employees,we'll talk about that real quick.
Postal employees, it's an automatic add.
(05:47):
You don't have an option for it. Okay.
So when you retire,
and turn 65 as a postal employee, you're
automatically going to be enrolled in thatMedicare prescription drug program.
And you get to keep your benefits.
And you get to keep your.
Those are your those are your,prescription drug benefits,
a medical drug.
But as well that goes alongwith your medical benefits.
(06:09):
Right.
So but you have to enroll in that becauseif you do not as a postal employee,
you will not have any, prescriptiondrug program or prescription drug.
Covered. Benefits. Yes.
So that's really kind of important thingto know. Very important.
So if they have questions about that,the phone number is (888) 338-7737.
That's (888) 338-7737.
(06:32):
If they want to call
and try to have somebody say,well what is it and how does it work.
Yeah, what is it?
How does it work. They can call thatnumber. They can also call,
you know, your blue cross.
If you turn around on your Blue Cross
card, the back of it, on the back ofthere is your customer service number.
We're always availableto answer those questions.
So talk a little bit about,you know, the approved prescription drugs
(06:53):
and some of the tiersand how all that's going to work
for these folks that are on these planswith the out-of-pocket costs,
because that's always a big issue.
Right?
So, some of the out-of-pocket coston those.
The prescription drugs,so on the on the new Medicare
MPDP, is what they like to call it.
There are some savings.
(07:13):
So there is a, deductible
that is on there
for the Medicare prescriptiondrug program of $2,500.
Okay. That's the typical onethat's on the Medicare programs.
The same thing that I have.
So that is your stop loss.
So that's the most that you're goingto be out of pocket in the calendar year.
That wasn't available before.
(07:33):
There was no stop loss on the Medicareprescription drug program.
Right. On your regular prescriptiondrug plan.
So that is a really big thing,because a lot of people as you age,
as we all age,we take more prescription drugs.
He’s looking at me.
You're seeing this, right?
The guy with the white hairfeature, right?
Yeah.
You're right pal.
(07:53):
So you know, we take more stuff.It's more expensive.
And so it really kind ofgives you an idea of,
hey, this is the most in a calendar yearthat I'll be out.
So it kind of helpsyou prepare and kind of train for what, or
just prepare for what you're going to havefor the year.
And here's the thing, okay.
This is confusing to people, okay.
And we don't expect you to understand thisjust by listening to the broadcast
(08:15):
today or the podcast or whatever.
But I urge you,you know, if you do have questions
(888) 338-7737.
The customer service.
And we'll talk about this laterin the show at Blue Cross.
And BlueShield of Kansas City is above and beyond,
any competitor in the marketplace.
And they getthey've won award after award after award.
(08:35):
J.D. power multiple years.
There's other ones. We'll talkmore about that later in the show.
But the point I'm makingis don't be concerned or confused.
Get the facts, call that number.
They'll be happy to help you. Right?
That is correct because there's alwayssomebody there to do whatever is needed.
There's always somebody there toto help you out.
And so and definitely
use the resources.
(08:56):
FEPBlue.org
on our website,you can always go to FEPBlue.org.
We have a lot of great informationthere as well. Yeah.
We're gonna come back to the break.
When we do, we'll start talking aboutthe other benefits that are available,
including the FEP dentaland the FEP vision.
These are some pretty robust benefits.
So if you're a federal employeeor one of the
(09:17):
federal employees in your family,you definitely want to listen to this.
Then we'll talk about the actual plandesigns for this year.
What changes there areand what they look like. So stay tuned.
We'll be right back after the break.
You're listening to America's HealthcareAdvocate broadcasting coast to coast
across the USA here on the HIARadio Network.
We'll be right backafter the break. Stay tuned.
(09:48):
Welcome back.
You're listening to America's Healthcare
Advocate show broadcasting coastto coast across USA.
Here on the HIARadio Network, you can find out
more about us by going to the websiteAmericasHealthcareAdvocate.com.
I want to give a shout outto one of our oldest affiliates, KGOZ,
101.7, in Trenton and Gallatin Missouri.
(10:09):
I remember going up to that studioto do live radio up there.
How long I've been on the air, Dave?
20 years.
So I was up there,I think about 18 years ago
when we first started,they were opening a LifeFlight base,
and we also had a Saint Luke's had takenover the regional hospital there.
So shout out to them, because we've beenaround a long time on KGOZ 101.7.
(10:30):
We're on their Saturday mornings.
I think it's about 8:00.
So thank you all.
And we're so happyto still be on the air there.
All right.
In studio with me, Ron Miller from BlueCross and Blue Shield of Kansas City.
This is our FEP show.
This is the show we do to tellfederal employees how they can enroll.
And what that timeline is.
And this is kind of importantfor you to know.
I'm going to repeat this.Probably every segment.
(10:51):
Open enrollment here starts on November10th and it ends December 8th.
What is that, 18 days?
Yeah, it's about 18 days.
That's the shortest open enrollmentperiod.
Of anybody out there,that the federal employees have.
So it's really important that,you know what your options are.
And if you don't understand this stuff,did you call 1-800 411 BLUE.
(11:11):
1-800 411 BLUE.
That is dedicated to the federal employeesto help you.
FEPblue.org isthe website, FEPblue.org is the website.
So the options for the health plans
for the postal workers,just go through those briefly.
If you can, Ron.
Yeah.
So last year the postal workers,all the federal employees were in one
big group.
(11:32):
All right.
We had postal workers,we had federal employees.
And last year, the, postal employeesseparated from the federal employees.
And now you have two buckets.
You have the postal employees,and you have the federal employees.
They're all they're all federal employees.
But postal. Is separate.Yeah, they're separate from.
So they all threestill have the same options.
(11:53):
So on the postal side,they still have the Standard Option,
the Basic Option and the Blue Focus okay.
So they have the exact same optionsfor postal as they as
they've always had before.So there's no change.
So they don't have to go out there
and look and sayoh are these benefits different.
They're just separate.
They're just separated outas two different buckets.
(12:14):
So for postal employees,you still have your standard option,
which is for us, which is our
it's our traditional,
deductible plan.
You can go in or out of network.
All right.
You have total flexibility.
It also has on the prescription drug.
You have a 90 daysupply mail order on there.
So if you're taking a lot of maintenancemedicine, it's always a good plan to have
(12:37):
because it'sgoing to save you money over time. Yeah.
So that's the standard option.
The basic option that's been reallybeen our growth engine over the years.
The basic option is kind of a in-networkcopay based plan.
So you kind of know what your co-paysare going to be.
You know what your out of pocketexpenses are going to be.
And so the basic option has really beenthe driver.
People really like the copays.
(12:58):
They like to know what their out-of-pocketexpenses are going to be.
And the good thing about it
is still, Cary, on both of these plans,they're nationwide plans.
That's amazing.
Yeah. Wherever they are.
You don't have to think about it.
And we use for all of our FEP,we use our Preferred Care Blue Network.
That is the largest network that we have.
And that's that's the best network, the.
(13:18):
Best network period of period.
And that is across the board.
So in any state that you goto you're using the largest network
that's available to the BlueCross Blue Shield plan in that state.
You don't have a little limited network.
You're not limited.
You know, if you go live in a rural area,we have hospitals and doctors
(13:40):
that are in those areas, and.That's pretty amazing.
Let's switch gears a little bitand talk about the Blue Cross Blue
Shield FEP Dental features,and what those look like this year.
Yeah. And before we get I'msorry I skipped that.
We're going to go back real quick.
And so the Blue Focus.
Blue Focus has been was new.
So we brought up Blue Focusas kind of a low cost option.
There's a lot of young federal employeesthat are coming into the federal
(14:04):
employee, plans now or, government.
And so we really, BlueFocus is really kind of helps people.
It's a lower costif you're not using your health insurance.
You say, but I need it,
but I don't spend a lot of money on it,so I'm not going to use it.
Blue Focus has really beena really good plan
for those young federal employeesjust getting their career started.
And we really kind ofjust kind of nailed that down.
(14:26):
And it's really good plan.
It has all of yourit has ten free Teladoc's.
It has your first five visits to your PCP
or your Primary CarePhysician are no co-pays.
So they really
kind of encourage you to use itwithout having any out of pocket expenses.
You ask most 25 to 35 year old guys.
That was last time I went to the doctor,
(14:47):
when I broke my arm in softball.
Yeah, that's exactly right.
And the ladies will go to their OBGYN,but that's basically it.
I mean, these folksdo not go to doctors, period.
They don't go to doctors.
So it doesn't make sense for themto have a big,
bloated benefits planif they're not going to use it.
So that's really great
because it gives him an optionto come in at a much lower cost.
And it has that Teladoc feature.
You know, with all the young kids.
(15:08):
I have a 20 year old daughter.
She doesn't know how to do anythingthat's not attached to her phone.
Right.
I mean, and so that is so greatabout that whole Teledoc thing.
I don't know how to do anything that isattached to the phone, which is why
my grandson at 17 fixeseverything I need fixed.
So so let's let's now let's switch gearsand talk about the dental.
Yeah. So the dental.
(15:28):
So the dental plan is really good.
So we started out initially whenthe dental came out for federal employees.
We did not we did not have a plan.
So we've been in the dentalfor the last ten years.
We are now the number one dental optionof federal employees nationwide.
Are you serious? Yes.
So we have the largestnationwide dental network.
(15:52):
Again, we have preventive coverage.
No waiting period.
And I'm going to say this
no waiting period on crowns,bridges, implants and dentures.
That's insane. Insane. Day one coverage.
That's that.
I let me just tell you,there is no other dental plan out there.
And I have the best dental planyou can buy.
All right.
And no other dental plan has no waitingperiod.
(16:14):
I'm sorry. They just don't.
So this is, pretty remarkablethat you get this plan.
You can immediately go in and get a crownor bridge, whatever you need.
That's pretty strong. Yeah.
And one thing I always remindpeople is that, you know,
you have your medical benefitsthat you pay for,
and then you have your two optionson your supplemental dental
and supplemental vision.
So those are separate costs for you,
(16:35):
but the costs are very minimalfor the benefits that you get.
If you have to get a crown or a bridge.
And you know, I've had multiples, it'sa lot of money.
It's a lot of money, a. Lot of money.Yeah.
If if you've got a plan that'sgoing to cover it, you're making money.
If you use that plan because you're notpaying the cost of that dental.
I have a crown.
I have a crown this afternoon.So I know exactly.
What I have to do tomorrow. So we'll see.
(16:58):
All right.
We got about two minutes left real quick.
What are we doing here on the Visionplan? Let's talk about the vision plan.
So the vision plan?
A visionplan is definitely a great plan, right?
If you're wearing glasses, you knowhow expensive, how expensive they are.
So everybody, every year you get a zerocopay, zero cost comprehensive eye exam.
So you always want to get your eyeschecked every year.
(17:20):
We also have if you pickwhat we have a fully covered
Blue Cross and Blue ShieldFEP Vision Collection, frames.
You're going to paynothing for the frames.
If you pick those framesout of our collection,
you pay nothing for the frames.
But if you would like to havesome Oakley's or something fancy
with the name on it, we do have a.
We give you a $140 that goes towardsthe cost of those frames.
(17:44):
Yeah, I use Costco pal.
Yeah, or Costco. Yeah.
And so and so.
And then a lot of people say, well, Ron,I don't wear glasses, but I do wear,
contact lenses.
So we do have a contactlens allowance of $140 as well.
So you can either do glasses for the yearor you can do in lieu of the glasses.
You can do the contacts.
(18:05):
That's, that's a pretty decent benefit,I'll tell you right now.
And you're very you're very fortunateif you're on one of these plans because,
all of this is included.
If you want more information,go to the website FEPblue.org.
FEPblue.orgor the phone number 1-800 411 BLUE.
Stay tuned.We'll be right back after the break.
Now we're going to go through the plansand talk about the plans and the upcoming
(18:28):
virtual health fairsthat they're offering on all this stuff.
So we'll talk about all thatin the next segment. Stay tuned.
You're listening to America's
Healthcare Advocate broadcasting coastto coast across USA.
You're on the HIA radio network.
(18:53):
Welcome back.
You're listening to America's HealthcareAdvocate show broadcasting coast
to coast across USA here on the HIARadio Network.
You can learn more about usby going up at our website.
AmericasHealthcareAdvocate.com.
All you federal employees out there,go to our YouTube channel.
America'sHealthcare Advocate. On that channel.
This show is posted up there.
(19:14):
You can watch the show with Ron in studio
with me,or of the 16 podcast channels we've got.
And I think that's all of them out therepretty close.
We're up on all those podcast
channels, from SoundCloud to Audacy to youname it, we're on it.
Okay, so you can also go up on the podcastchannel and listen to everything
we're talking about.
So if it's your spousethat's a federal employee,
(19:37):
you want to tell her, hey, I heard this.
Or if you're the federal employeeand your spouse
needs to know what the plans are offering,this is a great way to do that.
And we're going to talk aboutwhat's coming up here
with some virtual health fairsthey're going to do.
That will also give you an opportunityto learn more.
So let's switch gears now and justget back to the actual plans themselves.
The Standard, Basic and
(19:59):
then the Blue
Focus again and some of the cash benefits.
I think this is the only health insuranceplan in the country that offers
people money, for doing thingsthey should do anyway.
Yeah.
I mean, you know,definitely on all the plans that we have,
we definitely want to promote healthylifestyles, healthy, healthy living.
And one of those ways for usis to incentivize our members
(20:20):
to do some of the stuff.
And so for the Standardin the Basic option, you have a $50,
you can earn up to $50 for completingjust your Blue Health Assessment.
That's it.
So your Blue Health Assessment,you go out there, you put in, your blood
pressure, you put in your height,your weight, you put in any information.
And it's a really a good spot to just keeptrack of your stuff from year over year.
(20:44):
Right?
So if you go out there,you log that stuff in.
We do not share that informationwith anybody.
Okay. So that's great.
So your your your bossisn't going to see your information.
Yeah. We don't share that information.
We don'twe don't give it to any of our vendors.
Nobody. That is just informationthat is in there.
So you get $50 for doingthe Blue Health Assessment.
(21:04):
We also have online coachingfor your pregnancy,
tobacco care, as well as hypertensionand weight management.
So all of these things that peoplestruggle with, especially if you're new,
if you're a new mother,we have a great new mother package
that we mailed out to our new pregnantmoms. That's cool.
So yeah.
So if you if you get into the program,we send you vitamins,
(21:27):
we send you a nice little welcome,Blue Cross.
Welcome Kit, for the for the boyor the girl that you're having.
And it's and we're going to give you $50for doing so.
You get prenatal and postnatal care.
Yes. As part of the plan.As part of the plan.
That's part of the deal. Yeah.
And then like I said, you know, a lot ofpeople have are trying to stop smoking.
Tobacco cessation.
We have a great program for that as well.
(21:49):
Hypertension, hypertension management.
If you sign up, we can send you outa blood pressure monitor as well.
So we have all of these great benefits,all of this stuff for our people
that we really want themto incentivize them.
We want to give them money for doing it,
and we want to give them something to helpkeep track of it as well.
You're also keeping them healthy.Yeah, yeah.
(22:10):
One, it's a pretty good idea.Yeah, it's a great idea.
I mean, yeah.
And $150for completing their annual physical.
Yeah.So yeah, That is on the Blue Focus. Yeah.
So if you, if you're on the Blue Focusas we said for our healthier
younger members.
Well I don't do anythingbut we want to at least incentivize them
to go in oncea year to get their physical.
You get your physical, you have $150.
(22:31):
And what we what we've done,we've partnered with our blue 365
partners, Reebok, Skechers, TRX products,Blue Apron.
So we have all these different productsthat they can use that $150 for.
So it's not anymore that I just can use iton health care expenses.
You can also use it on Reebok TRX,
(22:51):
if you’ve got a workout roomand you want to put some new TRX.
If you want to eat healthy BlueApron, that’s a mail order.
That's great. Yeah, yeah.
So we have a lot of
we have a lot of great partners in Blue365 that you can use that $150 for.
And you know thatBlue 365, and I have the Blue 365
because of my Medicare supplement,I have access to Blue 365
and these hearing aids that youthat I talk about on the show,
(23:14):
I got those from Focus Hearing, butI was able to take advantage of Blue 365
and got a significantly strong discounton the cost of these things.
So that Blue 365 is available ona lot of different plans that they offer.
But I'm telling you, it's a great timeto take advantage of it
because there's all kindsof benefits out there.
And they're there across the board onall the Blue Cross and Blue Shield plans.
(23:37):
So, let's talk about the basic option.
You know, on the Medicare side,enrolled in A and B, and then, you know,
getting to this thingabout getting $800 a year,
again, you're paying people moneythat are on a health insurance plan.
Yeah.
And and so, you know, we have a lotof annuitants or retirees, on our plan.
(23:58):
So they've had a great careerwith federal employee program.
They're still onthey're still on the plan.
And so we want to incentivize them oftaking, hey, if you have Medicare Part A
and B, if you take B,we realize there's a cost to that.
Okay.
And to kind of offset that cost,we want to give you $800 reimbursed
for you and your spouse.
So not only just for youbut your spouse as well.
(24:19):
So it's basically $1,600 in the household
toward your part B premiumsthat you could have, every year.
That's,
I don'tget that, by the way, just so you know,
that's a that's for federal employees.
That's a really nice benefit.
Seriously, to offsetthe cost of your of your, part B.
And the thing about partB is, is so critical is that 20%
(24:42):
that’s not covered by part A, part B.
Signing up for part B is criticalbecause if you're only on part A,
you don't have any of that,the hospital or,
you know, physician benefits, outpatient,all that's not covered.
Party part A, part B togetheralong with the Blue Cross plan.
Now, you've got total coverageall the way around.
(25:03):
And it's a pretty remarkableplan. Really, really, really.
I mean, you'll have a little.
But really, most of your out-of-pocket
expense will only be your prescriptiondrugs. Yeah.
And then we waive the deductibles. Yeah.
So, you know, your out-of-pocket expensesfor having A and B
and getting reimbursedfor reimburse for B?
Yeah. I mean, it's really.
That's not a bad option.
Yeah. It's not a bad option at allbecause then so yeah.
(25:26):
So let's talk.
This is important.
So let's talk a little bit
about these Benefit Virtual Health fairsthat are coming up.
And, and again, the USPS.
So there's oneset for the federal employees
and a second set for postal workers.So let's kind of go through this.
And by the way, Dave is going to postall these up, on the video.
So you have them and it's going to be upon our website when we post the show.
(25:48):
So you'll have these as well.
But I want to run through them today
so you can hear this because obviouslywe're explaining a lot here.
But these these are actual
seminars, virtual health fairs,whatever you want to call them.
They go into the plans a great detail.
And are they allowed to ask questionsduring these things, like get a chat bot?
Yes, they are we.
So we do have active chat botsand all of those.
(26:09):
So as you see here.
So as you see you cannot see this.
But so we have.
Yes they can watch watching on YouTube.
So they can okay. So there'll be benefits.
So benefits is going to be doing bothnot only the medical
but they'll also be doing the dentaland the vision okay.
So during those virtual health fairsthey'll be talking about medical.
(26:30):
They'll also be talking about dentaland vision okay.
So a very so you get to cover everything.
And then we will have Blue Crossand Blue Shield representatives there
that will be able to answer questionsin the chat box that you alluded to.
And then for the USPS,as they are separated out,
they have their own virtual healthfairs as well.
And so those are all they start.
(26:51):
So benefits starts in November.
The last one is on December 8th.
And then on the version for the USPS,
it's November4th, the 20th, the 3rd and the 8th.
So they have one about every weekgoing through the open season.
That allows you to try to fix it.
And they're not allat the same time as well,
(27:12):
because everybody'sschedules are a little bit different.
Some of them are 10 to 5.
There's one from 3 to 7 p.m., one’sfrom noon to 5 p.m.
There's a lot of different as wellas for the, USPS, everybody.
There's a lot of different schedules,especially for the post offices.
The morning schedule is afternoon shift.
But yeah, because you're out deliveringmail. They’re out delivering mail.
(27:33):
If they’re not delivering, they’regetting sorted for the next day.
So there are those eveningand there are those morning times
for those post office, employees.
And how long do these last typically.
They, they could
they they last for about three hours.
That's a lot.
But that covers.
(27:54):
When you first
start it,
they kind of give you an outline of what,what it will look like.
So if you're looking just there
for the Blue Cross and Blue Shield,you can come back in oh 2:00.
Okay, I get it. Okay.
So this is for all okay. Yeah.
So so then there's a specifictime to come back in.
(28:14):
Yes okay. All right.
Well that's important to know.
So once againhere's what we're going to do.
We're going to post all of these up onon the on the YouTube platform.
And we're also going
to post them up on our websitewhen we, when we set the show up.
So that'll be up there.And it's an opportunity.
As I said, you don't haveto sit there for five hours.
They'll give you the breakdown.
(28:34):
You can go out and come back in
when they're going to talk about the BlueCross plan,
or maybe just talk about Dental and Visionor if you're a postal worker or whatever
the case may be,all of that will be in there.
Also, it's really important to understandthere's a very tight
window here,November 10th to December 8th.
You don't want to miss the open enrollmentperiod.
It's critical.
You can go to the website FEPblue.org
(28:57):
if you need help,or you can call 1-800 411 BLUE.
That's 1-800 411 BLUE.
When I come back from the break,
we're going to talk about Blue Crossand Blue Shield of Kansas City.
Main Street, not Wall Street.
Stay tuned.We'll be right back after the break.
(29:18):
Welcome back.
You're listening to America's
Healthcare Advocate show,broadcasting coast to coast across USA.
Here on the HIA Radio Network.
You know, today, Dave Thiessen,my producer here behind the cameras.
And Garner Cowdery, once againdoing a great job.
They're the ones that putall these shows together.
They get them up on our YouTube platform,our podcast platform 605,000 views.
(29:39):
It's because of all of you out therein the audience that listen to this show,
follow the show, etc.
we really appreciate you.
When you're following us and you'repaying attention to these shows,
we know a lot of you dobecause I get a lot of comments.
So this show today is with Ron Miller fromBlue Cross Blue Shield of Kansas City.
It is for the federal employees,both postal workers
and federal employeesfor the open enrollment period,
(30:01):
which starts November10th and ends December 8th.
It's really important to know thatif you're one of the federal employees,
maybe you've got a family member.
Whatever the case may be,
might want to remind somebody,we got a limited amount of time.
There's a whole series of webinarsthey're offering.
We're going to post all of those.
You heard Ron
go through them, on the website, andwe're going to post them on the YouTube.
(30:21):
So you'll be able to see those as wellif you want help.
1-800 411 BLUE.
1-800 411 BLUE.
And November 10th through December8th is open enrollment.
And, the phone number 1-800 411
BLUE, as I said,and the website FEPblue.org.
All right. So this is interesting.
So that line that I just didcomes from Ron Rowe.
Yes. We're Main Street not Wall Street.
(30:43):
And what I mean by that when I saythat is primarily focused on customer
service, the 87 yearsyou've been here in Kansas City,
some of the other things you're doing,
you're very unique, like you'rethe only plan on ACA, Obamacare this year.
It is rolling out a single digitincrease, 4% versus everything else.
That’s 11, 12, 13, 23, 29% higher.
(31:04):
It means somethingto be the hometown carrier.
And that's really what you are.
You're not doing an earningsreport every quarter to Wall Street.
That's why I say that. Okay, I'mtrying to put in play.
You're not UnitedHealthCare.
You're not Aetna.
You're not Centene.
You know Ambetter.
You're BlueCross and Blue Shield of Kansas City.
But what makes this most interesting to meis the customer service award.
(31:26):
So I want you to go through thesebecause I think
this is actually quite remarkable.
Yeah. In your line.Your line is fantastic.
And the reason why,
the line that Ron said and that, you know,Ron comes up with most of those things.
Yes. Okay.
But like you said,it really talks about that we.
Customer service is here.
We live amongst our members.
(31:47):
Okay.
And so it is important to usbecause we have family members,
we have friends, we have neighborsthat have Blue Cross and Blue Shield.
So we're not just working for peoplewe don't know.
We're working for peoplethat we live amongst.
So we're in the community.
We are the community. And so
we have over
(32:07):
39,000 members, federal employeemembers here.
And so this SQM WorldClass Certification is amazing.
So we have, 100% of our eligible staff
met in 2024,met the world class certification.
Right.
So explain SQM So it's a customeradvocates that called survey.
(32:29):
So member.
Oh so they get surveyedcustomers get surveyed and 85%
they have to meet 85% of their callsare at a very satisfied level.
So they go back out.
They survey the members who have called inand they say, well,
how was your experience?
Your experience?
(32:49):
And they said, fantastic.
So they say very satisfied.
And 85% is very satisfied and 100%
of our eligible, because those aren'tour new people that were in there.
There are new customers.
100% of our reps made that in 2024.
That's remarkable.
That is remarkable.
In today's world,where the line: “customer service”.
(33:11):
The word “service” is gone, I'm just goingto tell you, you don't believe me.
Call up AT&T, call up an airline, pick.
Pick anything you want out there.
Okay, and see what you get.
How many voice prompts do you go through?
How many people do you have to talk tobefore you to get something done?
This is why this matters, okay?
And here's why it matters to you.
Because when you have an issue,maybe you have a claim issue.
(33:33):
Maybe you have a provider issue.You're going to call.
And I can tell youfrom personal experience,
because I've been on Blue Crossand Blue Shield for 24 years.
Okay. At least,
it's one call resolution.
And if that person can't fix it,they take you right to the one that can.
Take you right to the one that can.
And because health insurance,you don't know how good it is
until you have to use it. Okay.
(33:55):
And so when you use itand you have a problem,
you want to be able to call somebodyto fix it.
And as you said, the first call resolutionis what we strive for and what we do.
Okay.
And so not only are the repsbut also the supervisors.
So it’s the training.
It's the strong focus on coaching
from both the supervisorand both the supervisors are world class.
(34:17):
So all of the customer service.
So there's a standardthat's being set in that
in that call center therethat's just over and over.
FEP, World Class Call Center, fourthconsecutive year.
Four years.
So this is not justsomething has happened.
This has happenedover the last four years.
They also have won the J.D.
Power Awardat least three times that I know.
So the point I'm making here, why use thatline Main Street, not Wall Street?
(34:42):
It's because these people really do care.
They are your neighbor.They are in church with you.
They're at the PTA with you.
They're at the soccer field with you.
They know who you areand you know who they are.
And to me,
I would always tell my clients,
obviously not federal employees,but I would always tell my clients that,
look, here's all the choices, hereare the prices, etc..
(35:04):
I'm going to tell you right now thatif you have a problem with this carrier
or this carrier,I'm warning you, you're buying price here.
You're not buying benefit.
And when you have an issue,please don't call me and be upset,
because this isn't working,because I'm telling you right now
their customer service is not good.
And if you have a claims issue, it'sgoing to be a nightmare.
Lo and behold,you know that happened multiple times.
(35:25):
The other thingI would say is, on the other hand,
you come over here to Blue Cross. Blueshield.
Might not be the cheapest plan available,but I can tell you this
when there's an issue, there'ssomebody there's going to take care of it.
Here's the other thing.
When there's an issue like thisand it can't get resolved,
there's somebody like Ron Miller there.
I had a guy who was our rep.
Every time I had an issue.
(35:47):
Tom Moppin, remember, Tom. Tom Moppin.
He was my man, my man in Baghdad.
When Ihad a problem, that couldn't get fixed.
I'd call Tom.
Tom would fix it.
Or if it got completely out of hand,I'd call Jenny Housley.
Who's the chief revenue officer?
So the difference here isyou have access to these people
and they really do give a damn.So I think that's a big issue. Yeah.
(36:08):
And and I'm in the agencies like I've,I've had, the federal employee program
for 23 years.
So when I go into agencies,I go in the health fairs.
They've seen me year over yearover year over year.
So they know that when I tell them
I'm not, I'm not telling themsomething that I don't believe in
because I'm coming back next year.
And and if they didn'twrite the name right.
(36:31):
Then I will be back.
So yeah, itabsolutely makes all the difference.
I remember during the AFL CIO carshow with him, I'm the radio guy, right?
I was supposed to be like the towncelebrity guy.
Everybody talks to Ron.Nobody wanted to see me.
So they all know who he is, okay?
And that's part of what this is all aboutvisibility,
accountabilityand giving you the service you need.
(36:52):
Critical to know.
The FEP startsNovember 10th ends December 8th.
Short window.
The website FEPblue.org,the phone number 1-800 411 BLUE.
They do a great job.
I urge you,
to take the time to see what your benefitsare going to look like this year.
And I think you'll findthat they're going to make a lot of sense.
And now, ladies and gentlemen,
I leave you with this thought from DoctorMartin Luther King.
(37:14):
Americans must learn to live togetheras brothers and sisters,
or we will surely perish togetheras fools.
Truer words were never spoken,especially in this time in our country.
Have a great day.
Thank you for listening to America'sHealthcare Advocate.
Goodbye, America.
And now America's Healthcare Advocate,Cary Hall.
Hello, America.
Welcome to America's Healthcare Advocates.
Show Broadcasting Coastto coast across the USA.
Here on the HIA Radio Network,you can find out more about us
by going to the websiteAmericasHealthcareAdvocate.com.
Also, all these shows are posted onour podcast platform and YouTube platform.
(00:22):
New numbers.
We are at 605,000 views.
That's because. And listens on podcast.
That's because of all of youin this audience.
I want to thank you too.The show continues to grow.
We continue to pick up affiliatesand what's going on on our podcast.
And YouTube is beyond anythingI thought we'd ever accomplish.
(00:43):
Hats off to Garner and to Dave Thiessenfor putting all this together.
And Dave, particularly for all the showshe videotapes and puts up there.
If you're looking for ACA, Obamacare,
maybe you're goingto get one of those letters
and you got one of those 17% increases.
Of course you wouldn't if you were on BlueCross and Blue Shield of Kansas City.
But let's just say you're not.
You might want to give Carolee Steeleover at RPS Benefits by Design a call.
(01:06):
And see if they can help you.
That would be (913) 385 2224.
That's (913) 385 2224.
And if you're looking for employersponsored coverage,
call Maria Ahlers she'll show youeverything in the marketplace and help
you make the right decision.
All right.
In studio with me for what is this,like the 12th, the 13th year we've done?
It's been a lot of years.
(01:27):
Well, you've been there30 years. 30 years.
Okay, I don't have that number,but I've been doing this
since Ron Rowe brought us in. Yes.
And that was seven, 18 years ago. Yes.
As Blue Crossbecame our first sponsor. Yes.
And so today we're going to do whatwe call the FEP Show.
That's the Federal Employee Show.We do this every year.
The purpose of itis to inform the federal employees
(01:48):
about this open enrollment periodthey have, which is very narrow.
It's November 10th to December 8th.
It's not a large open enrollment period.
So the idea hereis to get this information out there.
We'll put it up on our YouTube channel.
Our podcast channel,and then we'll tell the federal employees,
you know,where they can go to get more information.
But the whole idea aboutthis is to educate folks.
(02:09):
So let's just start with how many federal
and postal employees estimatedo we have in the Kansas City metro?
Kansas City Metro,we have over 39,000 members.
That and their families have chosen us.
And, you know, we appreciate thatfederal employees in the Kansas City
area, over and over have shownwe have a 99% retention, which is.
(02:31):
Insane.
Which is insanethat, you know, members join us
and they stay because we haveand we'll touch on this later.
Our customer service is oh, we'll.Talk about. That.
And so we just have, we just really it'sreally a priority for us.
Blue Cross and Blue Shield.
Yeah.
I the fact that you retain99% of your members, that's,
That's really hard to believe. It'shard. Yeah.
(02:53):
But it's remarkable tribute to the folksat Blue Cross of Kansas City and all that
you guys do.
So let's talk a little bit about,doctors, hospitals and access,
because this is another piece of thisthat makes it so different
than anything elsethat's out there in the marketplace.
Yeah.
For all of our plans that we have therenationwide plan, some of them.
May you have to stay in the networkfor both our basic and our blue focus.
(03:15):
But as far as access,we have 99% of all doctors.
That are in
nationwide that are in the network. Okay.
So if you go in for Thanksgiving, you'regoing to go see somebody out of town.
You're going to have coveragewherever you are.
Hundred percent, wherever you are.
You’re going to have coverage.
So that's one of the good thingsabout Blue Cross Blue Shield.
(03:37):
You're not going to go anywhere.Show your Blue Cross card.
And they're going to say,what is it that you have.
No they will not.
So yeah they won't you know.
And so the doctors, hospitalsthat we have,
we also have a Teladoc program,you know, which during Covid
really kind of picked upwhere people are able to do it,
(03:58):
on their phone, for doctors
and so we still havethat Teladoc, available.
Which is interesting because, you know,
that that also has mentalhealth support on it as well.
That is, that isand that's really been a priority for us,
as well as a lot of other people out therewith just, you know, things.
As things are going
mental health is definitely, mental healthparity that we have in the state.
(04:19):
And so it's a very important thing.
And we have that with our Teladoc as well.
Yeah.
And I know Erin Stucky, your CEO, hasreally kind of pioneered this along with,
you know, you've got Ryan Lefebvrewho's going to be in this radio studio
in a couple of weeksto talk about mental health and all that.
You know,
there is an issue with this, especially,you know, amongst younger people.
I've got, you know, six grandchildren.
(04:40):
And thank God none of them had this issue.
But there are a lot of young people
out there on social mediaand these other places.
You see these kids committing suicide.
You see these kids harming themselves.
And the fact that you've got thisavailable in Teladoc,
where the kid can go in a room,
close the door and get on a computerand talk to a clinician.
That's a big deal, Ron. Right. Yeah,it is a big deal.
(05:01):
It gives people some privacy.
It gives people some comfort, especiallyto be able to do it in their home.
You know, I think that allows some people
to have some comfortto do it in their own home.
And so it's just one of the thingsthat we try to do, you know,
and we've been in Blue Cross is 60 yearsin the federal employee program.
That's amazing.
I didn't know it was that long. Yeah.
60 years of continuous serviceto the federal employees of their family.
(05:25):
Of the members and the families.
And, that includes postal workers as well.
Includes postal workers as well.
So pretty remarkable.
Let's talk a little bit about the FEPMedicare prescription drug program.
And how that works and what that's like.
For, Medicare prescription drug programs.
So for postal employees,we'll talk about that real quick.
Postal employees, it's an automatic add.
(05:47):
You don't have an option for it. Okay.
So when you retire,
and turn 65 as a postal employee, you're
automatically going to be enrolled in thatMedicare prescription drug program.
And you get to keep your benefits.
And you get to keep your.
Those are your those are your,prescription drug benefits,
a medical drug.
But as well that goes alongwith your medical benefits.
(06:09):
Right.
So but you have to enroll in that becauseif you do not as a postal employee,
you will not have any, prescriptiondrug program or prescription drug.
Covered. Benefits. Yes.
So that's really kind of important thingto know. Very important.
So if they have questions about that,the phone number is (888) 338-7737.
That's (888) 338-7737.
(06:32):
If they want to call
and try to have somebody say,well what is it and how does it work.
Yeah, what is it?
How does it work. They can call thatnumber. They can also call,
you know, your blue cross.
If you turn around on your Blue Cross
card, the back of it, on the back ofthere is your customer service number.
We're always availableto answer those questions.
So talk a little bit about,you know, the approved prescription drugs
(06:53):
and some of the tiersand how all that's going to work
for these folks that are on these planswith the out-of-pocket costs,
because that's always a big issue.
Right?
So, some of the out-of-pocket coston those.
The prescription drugs,so on the on the new Medicare
MPDP, is what they like to call it.
There are some savings.
(07:13):
So there is a, deductible
that is on there
for the Medicare prescriptiondrug program of $2,500.
Okay. That's the typical onethat's on the Medicare programs.
The same thing that I have.
So that is your stop loss.
So that's the most that you're goingto be out of pocket in the calendar year.
That wasn't available before.
(07:33):
There was no stop loss on the Medicareprescription drug program.
Right. On your regular prescriptiondrug plan.
So that is a really big thing,because a lot of people as you age,
as we all age,we take more prescription drugs.
He’s looking at me.
You're seeing this, right?
The guy with the white hairfeature, right?
Yeah.
You're right pal.
(07:53):
So you know, we take more stuff.It's more expensive.
And so it really kind ofgives you an idea of,
hey, this is the most in a calendar yearthat I'll be out.
So it kind of helpsyou prepare and kind of train for what, or
just prepare for what you're going to havefor the year.
And here's the thing, okay.
This is confusing to people, okay.
And we don't expect you to understand thisjust by listening to the broadcast
(08:15):
today or the podcast or whatever.
But I urge you,you know, if you do have questions
(888) 338-7737.
The customer service.
And we'll talk about this laterin the show at Blue Cross.
And BlueShield of Kansas City is above and beyond,
any competitor in the marketplace.
And they getthey've won award after award after award.
(08:35):
J.D. power multiple years.
There's other ones. We'll talkmore about that later in the show.
But the point I'm makingis don't be concerned or confused.
Get the facts, call that number.
They'll be happy to help you. Right?
That is correct because there's alwayssomebody there to do whatever is needed.
There's always somebody there toto help you out.
And so and definitely
use the resources.
(08:56):
FEPBlue.org
on our website,you can always go to FEPBlue.org.
We have a lot of great informationthere as well. Yeah.
We're gonna come back to the break.
When we do, we'll start talking aboutthe other benefits that are available,
including the FEP dentaland the FEP vision.
These are some pretty robust benefits.
So if you're a federal employeeor one of the
(09:17):
federal employees in your family,you definitely want to listen to this.
Then we'll talk about the actual plandesigns for this year.
What changes there areand what they look like. So stay tuned.
We'll be right back after the break.
You're listening to America's HealthcareAdvocate broadcasting coast to coast
across the USA here on the HIARadio Network.
We'll be right backafter the break. Stay tuned.
(09:48):
Welcome back.
You're listening to America's Healthcare
Advocate show broadcasting coastto coast across USA.
Here on the HIARadio Network, you can find out
more about us by going to the websiteAmericasHealthcareAdvocate.com.
I want to give a shout outto one of our oldest affiliates, KGOZ,
101.7, in Trenton and Gallatin Missouri.
(10:09):
I remember going up to that studioto do live radio up there.
How long I've been on the air, Dave?
20 years.
So I was up there,I think about 18 years ago
when we first started,they were opening a LifeFlight base,
and we also had a Saint Luke's had takenover the regional hospital there.
So shout out to them, because we've beenaround a long time on KGOZ 101.7.
(10:30):
We're on their Saturday mornings.
I think it's about 8:00.
So thank you all.
And we're so happyto still be on the air there.
All right.
In studio with me, Ron Miller from BlueCross and Blue Shield of Kansas City.
This is our FEP show.
This is the show we do to tellfederal employees how they can enroll.
And what that timeline is.
And this is kind of importantfor you to know.
I'm going to repeat this.Probably every segment.
(10:51):
Open enrollment here starts on November10th and it ends December 8th.
What is that, 18 days?
Yeah, it's about 18 days.
That's the shortest open enrollmentperiod.
Of anybody out there,that the federal employees have.
So it's really important that,you know what your options are.
And if you don't understand this stuff,did you call 1-800 411 BLUE.
(11:11):
1-800 411 BLUE.
That is dedicated to the federal employeesto help you.
FEPblue.org isthe website, FEPblue.org is the website.
So the options for the health plans
for the postal workers,just go through those briefly.
If you can, Ron.
Yeah.
So last year the postal workers,all the federal employees were in one
big group.
(11:32):
All right.
We had postal workers,we had federal employees.
And last year, the, postal employeesseparated from the federal employees.
And now you have two buckets.
You have the postal employees,and you have the federal employees.
They're all they're all federal employees.
But postal. Is separate.Yeah, they're separate from.
So they all threestill have the same options.
(11:53):
So on the postal side,they still have the Standard Option,
the Basic Option and the Blue Focus okay.
So they have the exact same optionsfor postal as they as
they've always had before.So there's no change.
So they don't have to go out there
and look and sayoh are these benefits different.
They're just separate.
They're just separated outas two different buckets.
(12:14):
So for postal employees,you still have your standard option,
which is for us, which is our
it's our traditional,
deductible plan.
You can go in or out of network.
All right.
You have total flexibility.
It also has on the prescription drug.
You have a 90 daysupply mail order on there.
So if you're taking a lot of maintenancemedicine, it's always a good plan to have
(12:37):
because it'sgoing to save you money over time. Yeah.
So that's the standard option.
The basic option that's been reallybeen our growth engine over the years.
The basic option is kind of a in-networkcopay based plan.
So you kind of know what your co-paysare going to be.
You know what your out of pocketexpenses are going to be.
And so the basic option has really beenthe driver.
People really like the copays.
(12:58):
They like to know what their out-of-pocketexpenses are going to be.
And the good thing about it
is still, Cary, on both of these plans,they're nationwide plans.
That's amazing.
Yeah. Wherever they are.
You don't have to think about it.
And we use for all of our FEP,we use our Preferred Care Blue Network.
That is the largest network that we have.
And that's that's the best network, the.
(13:18):
Best network period of period.
And that is across the board.
So in any state that you goto you're using the largest network
that's available to the BlueCross Blue Shield plan in that state.
You don't have a little limited network.
You're not limited.
You know, if you go live in a rural area,we have hospitals and doctors
(13:40):
that are in those areas, and.That's pretty amazing.
Let's switch gears a little bitand talk about the Blue Cross Blue
Shield FEP Dental features,and what those look like this year.
Yeah. And before we get I'msorry I skipped that.
We're going to go back real quick.
And so the Blue Focus.
Blue Focus has been was new.
So we brought up Blue Focusas kind of a low cost option.
There's a lot of young federal employeesthat are coming into the federal
(14:04):
employee, plans now or, government.
And so we really, BlueFocus is really kind of helps people.
It's a lower costif you're not using your health insurance.
You say, but I need it,
but I don't spend a lot of money on it,so I'm not going to use it.
Blue Focus has really beena really good plan
for those young federal employeesjust getting their career started.
And we really kind ofjust kind of nailed that down.
(14:26):
And it's really good plan.
It has all of yourit has ten free Teladoc's.
It has your first five visits to your PCP
or your Primary CarePhysician are no co-pays.
So they really
kind of encourage you to use itwithout having any out of pocket expenses.
You ask most 25 to 35 year old guys.
That was last time I went to the doctor,
(14:47):
when I broke my arm in softball.
Yeah, that's exactly right.
And the ladies will go to their OBGYN,but that's basically it.
I mean, these folksdo not go to doctors, period.
They don't go to doctors.
So it doesn't make sense for themto have a big,
bloated benefits planif they're not going to use it.
So that's really great
because it gives him an optionto come in at a much lower cost.
And it has that Teladoc feature.
You know, with all the young kids.
(15:08):
I have a 20 year old daughter.
She doesn't know how to do anythingthat's not attached to her phone.
Right.
I mean, and so that is so greatabout that whole Teledoc thing.
I don't know how to do anything that isattached to the phone, which is why
my grandson at 17 fixeseverything I need fixed.
So so let's let's now let's switch gearsand talk about the dental.
Yeah. So the dental.
(15:28):
So the dental plan is really good.
So we started out initially whenthe dental came out for federal employees.
We did not we did not have a plan.
So we've been in the dentalfor the last ten years.
We are now the number one dental optionof federal employees nationwide.
Are you serious? Yes.
So we have the largestnationwide dental network.
(15:52):
Again, we have preventive coverage.
No waiting period.
And I'm going to say this
no waiting period on crowns,bridges, implants and dentures.
That's insane. Insane. Day one coverage.
That's that.
I let me just tell you,there is no other dental plan out there.
And I have the best dental planyou can buy.
All right.
And no other dental plan has no waitingperiod.
(16:14):
I'm sorry. They just don't.
So this is, pretty remarkablethat you get this plan.
You can immediately go in and get a crownor bridge, whatever you need.
That's pretty strong. Yeah.
And one thing I always remindpeople is that, you know,
you have your medical benefitsthat you pay for,
and then you have your two optionson your supplemental dental
and supplemental vision.
So those are separate costs for you,
(16:35):
but the costs are very minimalfor the benefits that you get.
If you have to get a crown or a bridge.
And you know, I've had multiples, it'sa lot of money.
It's a lot of money, a. Lot of money.Yeah.
If if you've got a plan that'sgoing to cover it, you're making money.
If you use that plan because you're notpaying the cost of that dental.
I have a crown.
I have a crown this afternoon.So I know exactly.
What I have to do tomorrow. So we'll see.
(16:58):
All right.
We got about two minutes left real quick.
What are we doing here on the Visionplan? Let's talk about the vision plan.
So the vision plan?
A visionplan is definitely a great plan, right?
If you're wearing glasses, you knowhow expensive, how expensive they are.
So everybody, every year you get a zerocopay, zero cost comprehensive eye exam.
So you always want to get your eyeschecked every year.
(17:20):
We also have if you pickwhat we have a fully covered
Blue Cross and Blue ShieldFEP Vision Collection, frames.
You're going to paynothing for the frames.
If you pick those framesout of our collection,
you pay nothing for the frames.
But if you would like to havesome Oakley's or something fancy
with the name on it, we do have a.
We give you a $140 that goes towardsthe cost of those frames.
(17:44):
Yeah, I use Costco pal.
Yeah, or Costco. Yeah.
And so and so.
And then a lot of people say, well, Ron,I don't wear glasses, but I do wear,
contact lenses.
So we do have a contactlens allowance of $140 as well.
So you can either do glasses for the yearor you can do in lieu of the glasses.
You can do the contacts.
(18:05):
That's, that's a pretty decent benefit,I'll tell you right now.
And you're very you're very fortunateif you're on one of these plans because,
all of this is included.
If you want more information,go to the website FEPblue.org.
FEPblue.orgor the phone number 1-800 411 BLUE.
Stay tuned.We'll be right back after the break.
Now we're going to go through the plansand talk about the plans and the upcoming
(18:28):
virtual health fairsthat they're offering on all this stuff.
So we'll talk about all thatin the next segment. Stay tuned.
You're listening to America's
Healthcare Advocate broadcasting coastto coast across USA.
You're on the HIA radio network.
(18:53):
Welcome back.
You're listening to America's HealthcareAdvocate show broadcasting coast
to coast across USA here on the HIARadio Network.
You can learn more about usby going up at our website.
AmericasHealthcareAdvocate.com.
All you federal employees out there,go to our YouTube channel.
America'sHealthcare Advocate. On that channel.
This show is posted up there.
(19:14):
You can watch the show with Ron in studio
with me,or of the 16 podcast channels we've got.
And I think that's all of them out therepretty close.
We're up on all those podcast
channels, from SoundCloud to Audacy to youname it, we're on it.
Okay, so you can also go up on the podcastchannel and listen to everything
we're talking about.
So if it's your spousethat's a federal employee,
(19:37):
you want to tell her, hey, I heard this.
Or if you're the federal employeeand your spouse
needs to know what the plans are offering,this is a great way to do that.
And we're going to talk aboutwhat's coming up here
with some virtual health fairsthey're going to do.
That will also give you an opportunityto learn more.
So let's switch gears now and justget back to the actual plans themselves.
The Standard, Basic and
(19:59):
then the Blue
Focus again and some of the cash benefits.
I think this is the only health insuranceplan in the country that offers
people money, for doing thingsthey should do anyway.
Yeah.
I mean, you know,definitely on all the plans that we have,
we definitely want to promote healthylifestyles, healthy, healthy living.
And one of those ways for usis to incentivize our members
(20:20):
to do some of the stuff.
And so for the Standardin the Basic option, you have a $50,
you can earn up to $50 for completingjust your Blue Health Assessment.
That's it.
So your Blue Health Assessment,you go out there, you put in, your blood
pressure, you put in your height,your weight, you put in any information.
And it's a really a good spot to just keeptrack of your stuff from year over year.
(20:44):
Right?
So if you go out there,you log that stuff in.
We do not share that informationwith anybody.
Okay. So that's great.
So your your your bossisn't going to see your information.
Yeah. We don't share that information.
We don'twe don't give it to any of our vendors.
Nobody. That is just informationthat is in there.
So you get $50 for doingthe Blue Health Assessment.
(21:04):
We also have online coachingfor your pregnancy,
tobacco care, as well as hypertensionand weight management.
So all of these things that peoplestruggle with, especially if you're new,
if you're a new mother,we have a great new mother package
that we mailed out to our new pregnantmoms. That's cool.
So yeah.
So if you if you get into the program,we send you vitamins,
(21:27):
we send you a nice little welcome,Blue Cross.
Welcome Kit, for the for the boyor the girl that you're having.
And it's and we're going to give you $50for doing so.
You get prenatal and postnatal care.
Yes. As part of the plan.As part of the plan.
That's part of the deal. Yeah.
And then like I said, you know, a lot ofpeople have are trying to stop smoking.
Tobacco cessation.
We have a great program for that as well.
(21:49):
Hypertension, hypertension management.
If you sign up, we can send you outa blood pressure monitor as well.
So we have all of these great benefits,all of this stuff for our people
that we really want themto incentivize them.
We want to give them money for doing it,
and we want to give them something to helpkeep track of it as well.
You're also keeping them healthy.Yeah, yeah.
(22:10):
One, it's a pretty good idea.Yeah, it's a great idea.
I mean, yeah.
And $150for completing their annual physical.
Yeah.So yeah, That is on the Blue Focus. Yeah.
So if you, if you're on the Blue Focusas we said for our healthier
younger members.
Well I don't do anythingbut we want to at least incentivize them
to go in oncea year to get their physical.
You get your physical, you have $150.
(22:31):
And what we what we've done,we've partnered with our blue 365
partners, Reebok, Skechers, TRX products,Blue Apron.
So we have all these different productsthat they can use that $150 for.
So it's not anymore that I just can use iton health care expenses.
You can also use it on Reebok TRX,
(22:51):
if you’ve got a workout roomand you want to put some new TRX.
If you want to eat healthy BlueApron, that’s a mail order.
That's great. Yeah, yeah.
So we have a lot of
we have a lot of great partners in Blue365 that you can use that $150 for.
And you know thatBlue 365, and I have the Blue 365
because of my Medicare supplement,I have access to Blue 365
and these hearing aids that youthat I talk about on the show,
(23:14):
I got those from Focus Hearing, butI was able to take advantage of Blue 365
and got a significantly strong discounton the cost of these things.
So that Blue 365 is available ona lot of different plans that they offer.
But I'm telling you, it's a great timeto take advantage of it
because there's all kindsof benefits out there.
And they're there across the board onall the Blue Cross and Blue Shield plans.
(23:37):
So, let's talk about the basic option.
You know, on the Medicare side,enrolled in A and B, and then, you know,
getting to this thingabout getting $800 a year,
again, you're paying people moneythat are on a health insurance plan.
Yeah.
And and so, you know, we have a lotof annuitants or retirees, on our plan.
(23:58):
So they've had a great careerwith federal employee program.
They're still onthey're still on the plan.
And so we want to incentivize them oftaking, hey, if you have Medicare Part A
and B, if you take B,we realize there's a cost to that.
Okay.
And to kind of offset that cost,we want to give you $800 reimbursed
for you and your spouse.
So not only just for youbut your spouse as well.
(24:19):
So it's basically $1,600 in the household
toward your part B premiumsthat you could have, every year.
That's,
I don'tget that, by the way, just so you know,
that's a that's for federal employees.
That's a really nice benefit.
Seriously, to offsetthe cost of your of your, part B.
And the thing about partB is, is so critical is that 20%
(24:42):
that’s not covered by part A, part B.
Signing up for part B is criticalbecause if you're only on part A,
you don't have any of that,the hospital or,
you know, physician benefits, outpatient,all that's not covered.
Party part A, part B togetheralong with the Blue Cross plan.
Now, you've got total coverageall the way around.
(25:03):
And it's a pretty remarkableplan. Really, really, really.
I mean, you'll have a little.
But really, most of your out-of-pocket
expense will only be your prescriptiondrugs. Yeah.
And then we waive the deductibles. Yeah.
So, you know, your out-of-pocket expensesfor having A and B
and getting reimbursedfor reimburse for B?
Yeah. I mean, it's really.
That's not a bad option.
Yeah. It's not a bad option at allbecause then so yeah.
(25:26):
So let's talk.
This is important.
So let's talk a little bit
about these Benefit Virtual Health fairsthat are coming up.
And, and again, the USPS.
So there's oneset for the federal employees
and a second set for postal workers.So let's kind of go through this.
And by the way, Dave is going to postall these up, on the video.
So you have them and it's going to be upon our website when we post the show.
(25:48):
So you'll have these as well.
But I want to run through them today
so you can hear this because obviouslywe're explaining a lot here.
But these these are actual
seminars, virtual health fairs,whatever you want to call them.
They go into the plans a great detail.
And are they allowed to ask questionsduring these things, like get a chat bot?
Yes, they are we.
So we do have active chat botsand all of those.
(26:09):
So as you see here.
So as you see you cannot see this.
But so we have.
Yes they can watch watching on YouTube.
So they can okay. So there'll be benefits.
So benefits is going to be doing bothnot only the medical
but they'll also be doing the dentaland the vision okay.
So during those virtual health fairsthey'll be talking about medical.
(26:30):
They'll also be talking about dentaland vision okay.
So a very so you get to cover everything.
And then we will have Blue Crossand Blue Shield representatives there
that will be able to answer questionsin the chat box that you alluded to.
And then for the USPS,as they are separated out,
they have their own virtual healthfairs as well.
And so those are all they start.
(26:51):
So benefits starts in November.
The last one is on December 8th.
And then on the version for the USPS,
it's November4th, the 20th, the 3rd and the 8th.
So they have one about every weekgoing through the open season.
That allows you to try to fix it.
And they're not allat the same time as well,
(27:12):
because everybody'sschedules are a little bit different.
Some of them are 10 to 5.
There's one from 3 to 7 p.m., one’sfrom noon to 5 p.m.
There's a lot of different as wellas for the, USPS, everybody.
There's a lot of different schedules,especially for the post offices.
The morning schedule is afternoon shift.
But yeah, because you're out deliveringmail. They’re out delivering mail.
(27:33):
If they’re not delivering, they’regetting sorted for the next day.
So there are those eveningand there are those morning times
for those post office, employees.
And how long do these last typically.
They, they could
they they last for about three hours.
That's a lot.
But that covers.
(27:54):
When you first
start it,
they kind of give you an outline of what,what it will look like.
So if you're looking just there
for the Blue Cross and Blue Shield,you can come back in oh 2:00.
Okay, I get it. Okay.
So this is for all okay. Yeah.
So so then there's a specifictime to come back in.
(28:14):
Yes okay. All right.
Well that's important to know.
So once againhere's what we're going to do.
We're going to post all of these up onon the on the YouTube platform.
And we're also going
to post them up on our websitewhen we, when we set the show up.
So that'll be up there.And it's an opportunity.
As I said, you don't haveto sit there for five hours.
They'll give you the breakdown.
(28:34):
You can go out and come back in
when they're going to talk about the BlueCross plan,
or maybe just talk about Dental and Visionor if you're a postal worker or whatever
the case may be,all of that will be in there.
Also, it's really important to understandthere's a very tight
window here,November 10th to December 8th.
You don't want to miss the open enrollmentperiod.
It's critical.
You can go to the website FEPblue.org
(28:57):
if you need help,or you can call 1-800 411 BLUE.
That's 1-800 411 BLUE.
When I come back from the break,
we're going to talk about Blue Crossand Blue Shield of Kansas City.
Main Street, not Wall Street.
Stay tuned.We'll be right back after the break.
(29:18):
Welcome back.
You're listening to America's
Healthcare Advocate show,broadcasting coast to coast across USA.
Here on the HIA Radio Network.
You know, today, Dave Thiessen,my producer here behind the cameras.
And Garner Cowdery, once againdoing a great job.
They're the ones that putall these shows together.
They get them up on our YouTube platform,our podcast platform 605,000 views.
(29:39):
It's because of all of you out therein the audience that listen to this show,
follow the show, etc.
we really appreciate you.
When you're following us and you'repaying attention to these shows,
we know a lot of you dobecause I get a lot of comments.
So this show today is with Ron Miller fromBlue Cross Blue Shield of Kansas City.
It is for the federal employees,both postal workers
and federal employeesfor the open enrollment period,
(30:01):
which starts November10th and ends December 8th.
It's really important to know thatif you're one of the federal employees,
maybe you've got a family member.
Whatever the case may be,
might want to remind somebody,we got a limited amount of time.
There's a whole series of webinarsthey're offering.
We're going to post all of those.
You heard Ron
go through them, on the website, andwe're going to post them on the YouTube.
(30:21):
So you'll be able to see those as wellif you want help.
1-800 411 BLUE.
1-800 411 BLUE.
And November 10th through December8th is open enrollment.
And, the phone number 1-800 411
BLUE, as I said,and the website FEPblue.org.
All right. So this is interesting.
So that line that I just didcomes from Ron Rowe.
Yes. We're Main Street not Wall Street.
(30:43):
And what I mean by that when I saythat is primarily focused on customer
service, the 87 yearsyou've been here in Kansas City,
some of the other things you're doing,
you're very unique, like you'rethe only plan on ACA, Obamacare this year.
It is rolling out a single digitincrease, 4% versus everything else.
That’s 11, 12, 13, 23, 29% higher.
(31:04):
It means somethingto be the hometown carrier.
And that's really what you are.
You're not doing an earningsreport every quarter to Wall Street.
That's why I say that. Okay, I'mtrying to put in play.
You're not UnitedHealthCare.
You're not Aetna.
You're not Centene.
You know Ambetter.
You're BlueCross and Blue Shield of Kansas City.
But what makes this most interesting to meis the customer service award.
(31:26):
So I want you to go through thesebecause I think
this is actually quite remarkable.
Yeah. In your line.Your line is fantastic.
And the reason why,
the line that Ron said and that, you know,Ron comes up with most of those things.
Yes. Okay.
But like you said,it really talks about that we.
Customer service is here.
We live amongst our members.
(31:47):
Okay.
And so it is important to usbecause we have family members,
we have friends, we have neighborsthat have Blue Cross and Blue Shield.
So we're not just working for peoplewe don't know.
We're working for peoplethat we live amongst.
So we're in the community.
We are the community. And so
we have over
(32:07):
39,000 members, federal employeemembers here.
And so this SQM WorldClass Certification is amazing.
So we have, 100% of our eligible staff
met in 2024,met the world class certification.
Right.
So explain SQM So it's a customeradvocates that called survey.
(32:29):
So member.
Oh so they get surveyedcustomers get surveyed and 85%
they have to meet 85% of their callsare at a very satisfied level.
So they go back out.
They survey the members who have called inand they say, well,
how was your experience?
Your experience?
(32:49):
And they said, fantastic.
So they say very satisfied.
And 85% is very satisfied and 100%
of our eligible, because those aren'tour new people that were in there.
There are new customers.
100% of our reps made that in 2024.
That's remarkable.
That is remarkable.
In today's world,where the line: “customer service”.
(33:11):
The word “service” is gone, I'm just goingto tell you, you don't believe me.
Call up AT&T, call up an airline, pick.
Pick anything you want out there.
Okay, and see what you get.
How many voice prompts do you go through?
How many people do you have to talk tobefore you to get something done?
This is why this matters, okay?
And here's why it matters to you.
Because when you have an issue,maybe you have a claim issue.
(33:33):
Maybe you have a provider issue.You're going to call.
And I can tell youfrom personal experience,
because I've been on Blue Crossand Blue Shield for 24 years.
Okay. At least,
it's one call resolution.
And if that person can't fix it,they take you right to the one that can.
Take you right to the one that can.
And because health insurance,you don't know how good it is
until you have to use it. Okay.
(33:55):
And so when you use itand you have a problem,
you want to be able to call somebodyto fix it.
And as you said, the first call resolutionis what we strive for and what we do.
Okay.
And so not only are the repsbut also the supervisors.
So it’s the training.
It's the strong focus on coaching
from both the supervisorand both the supervisors are world class.
(34:17):
So all of the customer service.
So there's a standardthat's being set in that
in that call center therethat's just over and over.
FEP, World Class Call Center, fourthconsecutive year.
Four years.
So this is not justsomething has happened.
This has happenedover the last four years.
They also have won the J.D.
Power Awardat least three times that I know.
So the point I'm making here, why use thatline Main Street, not Wall Street?
(34:42):
It's because these people really do care.
They are your neighbor.They are in church with you.
They're at the PTA with you.
They're at the soccer field with you.
They know who you areand you know who they are.
And to me,
I would always tell my clients,
obviously not federal employees,but I would always tell my clients that,
look, here's all the choices, hereare the prices, etc..
(35:04):
I'm going to tell you right now thatif you have a problem with this carrier
or this carrier,I'm warning you, you're buying price here.
You're not buying benefit.
And when you have an issue,please don't call me and be upset,
because this isn't working,because I'm telling you right now
their customer service is not good.
And if you have a claims issue, it'sgoing to be a nightmare.
Lo and behold,you know that happened multiple times.
(35:25):
The other thingI would say is, on the other hand,
you come over here to Blue Cross. Blueshield.
Might not be the cheapest plan available,but I can tell you this
when there's an issue, there'ssomebody there's going to take care of it.
Here's the other thing.
When there's an issue like thisand it can't get resolved,
there's somebody like Ron Miller there.
I had a guy who was our rep.
Every time I had an issue.
(35:47):
Tom Moppin, remember, Tom. Tom Moppin.
He was my man, my man in Baghdad.
When Ihad a problem, that couldn't get fixed.
I'd call Tom.
Tom would fix it.
Or if it got completely out of hand,I'd call Jenny Housley.
Who's the chief revenue officer?
So the difference here isyou have access to these people
and they really do give a damn.So I think that's a big issue. Yeah.
(36:08):
And and I'm in the agencies like I've,I've had, the federal employee program
for 23 years.
So when I go into agencies,I go in the health fairs.
They've seen me year over yearover year over year.
So they know that when I tell them
I'm not, I'm not telling themsomething that I don't believe in
because I'm coming back next year.
And and if they didn'twrite the name right.
(36:31):
Then I will be back.
So yeah, itabsolutely makes all the difference.
I remember during the AFL CIO carshow with him, I'm the radio guy, right?
I was supposed to be like the towncelebrity guy.
Everybody talks to Ron.Nobody wanted to see me.
So they all know who he is, okay?
And that's part of what this is all aboutvisibility,
accountabilityand giving you the service you need.
(36:52):
Critical to know.
The FEP startsNovember 10th ends December 8th.
Short window.
The website FEPblue.org,the phone number 1-800 411 BLUE.
They do a great job.
I urge you,
to take the time to see what your benefitsare going to look like this year.
And I think you'll findthat they're going to make a lot of sense.
And now, ladies and gentlemen,
I leave you with this thought from DoctorMartin Luther King.
(37:14):
Americans must learn to live togetheras brothers and sisters,
or we will surely perish togetheras fools.
Truer words were never spoken,especially in this time in our country.
Have a great day.
Thank you for listening to America'sHealthcare Advocate.
Goodbye, America.
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