Both Blue Cross Blue Shield Basic vs. Standard plans offer catastrophic protection, ensuring members do not face unlimited medical costs. Each plan has an annual out-of-pocket maximum, after which 100% of covered expenses are paid. The Basic option has lower copayments but does not cover out-of-network services, which may be limiting in emergencies. The Standard option includes out-of... https://www.federalpensionadvisors.com/post/blue-cross-blue-shield-basic-vs-standard