Both Blue Cross Blue Shield Basic and Standard plans require members to pay certain out-of-pocket costs, but they differ significantly. The Basic Option has no deductible but higher copayments for some services. The Standard Option includes an annual deductible but provides lower copayments and coinsurance rates once that deductible is met. This means the Basic plan may result in more... https://www.federalpensionadvisors.com/post/blue-cross-blue-shield-basic-vs-standard