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

We encourage you to read more about prescription drug coverage under the Consumer Option.


  • $2,500 (in-network) for employee only coverage
  • $5,000 (in-network) for family and other coverage levels

The Consumer Option begins to pay benefits once the deductible is met. This option does not include co-payments for doctors' office visits or prescription drugs—it covers these services at 80% (in-network) after the deductible is met. Therefore, you pay 100% of incurred charges until meeting the deductible. 

The Consumer Option works differently from the Select Option in that it has no individual deductible for Employee and Spouse, Employee and Child(ren), and Family coverage. The $5,000 deductible for these levels of coverage must be met by the members combined before the plan begins to pay benefits.


  • Preventive care is generally covered at:
    • 80% in-network with no deductible
    • 60% out-of-network with no deductible
  • In-network and out-of-network coverage
  • $500 annual company contribution (prorated monthly) to the HSA
  • Low premiums

Summary Plan Descriptions (SPD)

Get all of the details for your benefits.

Additional resources

Related medical resources to help you use and access your medical program.

BlueCross BlueShield (BCBS) website

Find a doctor, request a new ID card or reward your wellness goals.

Additional BCBS Programs

Discover the benefits of BlueCross BlueShield (BCBS) Program resources like the BlueCard Program, Health Line Blue and more.

Health Benefits Claim Form

Form for medical expense reimbursement.


This service allows you to connect with a board-certified doctor through a smartphone or tablet through live video.

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

View the entire handbook or individual sections.

2019 COBRA Participants Program Guide

Information to help you prepare for benefits enrollment.

No personal or confidential associate information is contained within

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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