The Select Option is designed to offer medical services at an affordable cost. Co-payments are available when you see an in-network provider for most office visits. For some services, co-payments are available without having to meet your deductible.
Through the Prescription Drug Program offered in conjunction with the Select Option, co-payments are also available for most prescription drugs prior to meeting the deductible. Read more about the Select Option Prescription Drug Program.
$1,150 individual (in-network)
$2,875 family (in-network)
Most services are covered at 90% once you meet your deductible. The family deductible is met when any combination of covered persons has expenses totaling the family deductible amount. However, if one family member meets the $1,000 individual deductible, that person's deductible is satisfied and insurance will begin paying on that individual's claims. If the family deductible has been satisfied during a calendar year, no further deductible applies to any member of your family during that calendar year.
Co-payments for doctors' office visits when you are sick and for most prescription medications
Ability to visit a specialist without a referral
In-network and out-of-network coverage
Preventive care is generally covered at:
- 90% in-network with no deductible
- 80% out-of-network with no deductible
Medical options, BlueCard network, pre-existing conditions and the Health Insurance Portability and Accountability Act (HIPAA)
2019 Flexible Benefit Premiums
Who you can cover and how much it costs
Doctor On Demand
This service allows you to connect with a board-certified doctor through 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.