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ladies and gentlemen federal employees welcome back to this episode my name is dallin haas its great to have you here and this is the place where we learn how to maximize your benefits how to get the most out of your money and to retire comfortable and confident today were going to be talking about blue cross blue shield which i know a huge chunk of you as federal employees have a health insurance plan through blue cross now if you dont have a blue cross plan dont worry because the exact things were going to be talking about today will apply to you now were going to go into depth into the blue cross and how it works for them but you certainly have to know how this works for your plan as well so definitely stick around and then you can go you know do research on your planet to see how it makes sense for you so long story short most people dont realize the ramifications of keeping certain plans into retirement and theres some big differences even within the blue cross plans that