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.

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

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

Branch Banking and Trust Company is now Truist Bank. Learn more(opens in a new tab)