The FEP account offers a Preferred Provider Organization (PPO) program that offers two benefit options to its members. The Plan offers both a Standard and Basic Option product.

Standard Option
Under Standard Option members can use both Preferred and Non-participating providers. However, the out-of-pocket expenses are lower when you use Preferred providers. They will submit claims to us on the member's behalf. Standard Option has a calendar year deductible for some services and a $15 copayment for office visits. Standard Option also features both Preferred retail and a Preferred mail service prescription drug program.

Basic Option
Unlike Standard Option, Basic Option members do not have a calendar year deductible. Most services are subject to copayments ($20 for primary care providers and $30 for specialists). Members do not need to have referrals to see specialists. They must use Preferred providers for their care to be eligible for benefits, except in certain circumstances, such as emergency care. Preferred providers will submit claims to us on your behalf. Basic Option also offers a Preferred retail pharmacy program.