Medical program options

Lower deductible

Select Option

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.

  • $1,150 individual deductible (in-network)
  • $2,875 family deductible (in-network)

Higher deductible with HSA

Consumer Option

The Consumer Option is designed to encourage participants to be better consumers of health care. This option is combined with a Health Savings Account (HSA) which offers attractive tax advantages. Participants in the Consumer Option also have the option of participating in the Limited Use Health Care FSA.

  • $2,500 individual deductible (in-network)
  • $5,000 family deductible (in-network)

Not sure which program option is best for you? Compare the two medical program options (PDF)

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)

In-network vs. out-of-network providers

BB&T offers medical coverage through BlueCross BlueShield of North Carolina(opens in a new tab) 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).

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Information contained within 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

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