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Medical Program

BB&T offers medical coverage through BlueCross BlueShield of North Carolina under the BlueCard program. This gives you access to one nationwide network, providing coverage no matter where you are when you need medical care. The BlueCard program also includes some physicians and facilities outside the United States. Physicians who participate in the BlueCard program are considered in-network and generally provide discounted rates. While there can be a financial advantage to seeing these physicians, you also have the flexibility to see physicians who do not participate in the BlueCard program (referred to as out-of-network providers).

The BB&T Medical Program Options

BB&T offers two medical program options:

Not sure which program option is best for you? Compare the two

Associates living in California have a third medical program option—the Kaiser HMO.

Medical Eligibility Requirements

If you elect medical coverage, you must meet the Medical Eligibility Requirements to continue that coverage. The Medical Eligibility Requirements are as follows:

  • Associate must be scheduled to work at least 20 hours per week
  • Associate must be classified as a "regular" associate (not temporary or contract)

Related Information

BlueCross BlueShield (BCBS) website
Find a doctor, request a new ID card or reward your wellness goals

Health Benefits Claim Form
Form for medical expense reimbursement

Doctor On Demand
This service allows you to connect with a board-certified doctor with a smartphone or tablet through live video. Participants in the Select or Consumer Option of the BB&T Medical Program and their covered dependents are eligible to take advantage of this program through BlueCross BlueShield.

AllClear ID Identity Protection
Brochure detailing AllClear ID's Identity Protection services, available to participants in the Select and Consumer Options.

2019 Flexible Benefit Premiums
Who you can cover and how much it costs

EXCELLENCE Associate Handbook
Summary Plan Descriptions

No personal or confidential associate information is contained within BBTBenefits.com.
Information contained within BBTBenefits.com applies to eligible associates residing in the United States, unless otherwise specified.


Not all subsidiaries and affiliates of BB&T Corporation participate in the benefit programs and policies presented within BBTBenefits.com

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