Medical

Benefits

The Regions Medical Plan is administered by Blue Cross Blue Shield of Alabama (BCBS) and offers two options: Core and Advantage.

Core High-deductible Health Plan (HDHP)

  • Lower payroll deduction
  • Generally higher out-of-pocket costs (deductible and coinsurance)
  • Optional tax-free Health Savings Account (HSA) option to help defray the cost of qualified medical expenses and/or save for retirement
  • Healthcare Bluebook — online and mobile resource provided to help you find cost and quality information on local providers and services

Summary of Benefits
Core HDHP Summary Plan Description
Summary of Benefits Coverage
Health Savings Account (HSA) Details
Healthcare Bluebook Details

Advantage PPO Health Plan

  • Higher payroll deduction
  • Generally lower copays and out-of-pocket costs (deductibles and coinsurance)
  • Optional tax-free flexible spending account (FSA) option to help defray the cost of qualified medical expenses

Summary of Benefits
Advantage PPO Summary Plan Description
Summary of Benefits Coverage
Flexible Spending Account (FSA) Details

Plan Comparison Tool

Comparing the two medical plan options carefully can help you determine the plan that best fits your needs.

Start My Comparison

Blue Cross Blue Shield (BCBS)

There is an extensive national network of providers through the Blue Cross Blue Shield (BCBS) Association. Using in-network providers means lower out-of-pocket costs for you. You can check to see if your doctor or pharmacy is in network, order replacement ID cards and access your claims statements on the BCBS website.

How to Access Your BCBS Account
Access your BCBS account from work via single sign on. (No password required from within the Regions network.)

Access your account away from work at bcbsal.com. (You will need to create an account to log in.)

Medical Premiums

Your medical premiums are withheld from your payroll on a pre-tax basis. This means your taxable income will be lowered, because premiums are deducted before federal, state and local incomes taxes are withheld.

Coordination of Benefits with Spouse (Double Coverage)

Enrolling in more than one plan may cost you money without providing any greater benefit. We encourage you to study the Coordination of Benefits sections of each Summary Plan Description before paying for two plans.

Healthcare Reform
Regions medical plans meet the Affordable Care Act’s affordability requirement for single coverage. Regions provides affordable single coverage on the Medical Plan. The Regions Medical Plans also exceed the “Minimum Essential Health Benefits” requirement.
 
Because the Regions Medical Plans (both Core and Advantage) meet these requirements, you will not receive a tax credit if you decline coverage through Regions and obtain coverage through the Healthcare Exchange/Marketplace. You may also be subject to penalties if you choose to do so. See the Healthcare Exchange Notice for more information.

Need Help?

Contact the HR Connect Team at 1-877-562-8383.