JRoon, True. However, from link below “BCBS also participates in a nationwide health insurance program for employees of the United States federal government”. It’s my understanding and belief that BCBS FEP is consistent across the United States and managed separately from the 34 independent BCBS associations. Copied from Wikipedia “The FEHB program allows insurance companies, employee organizations, and labor unions to market health insurance plans to government employees. The plan is administered by the United States Office of Personnel Management (OPM).” BCBS FEP is one them. From my research, BCBS FEP plans are operated and managed separately from the 34 independent locally operated BCBS association https://en.wikipedia.org/wiki/Blue_Cross_Blue_Shield_Association