Medical

benefits-chapter

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

Core High Deductible Health Plan

  • Lower payroll deduction
  • Generally, your out-of-pocket costs are higher (expenses paid for by the insured - deductible and co-insurance)
  • Optional tax-free Health Savings Account (HSA) option to help defray the cost of qualified medical expenses

Core High Deductible Health Plan Details

Health Savings Account (HSA) Details

Advantage PPO Health Plan

  • Higher payroll deduction
  • Generally, your co-pay and out-of-pocket costs are lower
  • Optional tax-free Flexible Spending Account (FSA) option to help defray the cost of qualified medical expenses

Advantage PPO Health Plan Details

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 learn more about these benefits, check to see if your doctor 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 within Regions network). Access your account away from work at www.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.

Healthcare Bluebook

Healthcare Bluebook is an online and mobile resource available to Core High Deductible Health Plan members that quickly helps you find local cost and quality information on providers and services.

HealthCare Bluebook Details

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.

Health Care Reform

Regions medical plans meet the Affordable Care Act’s affordability requirement for single coverage. Regions provides affordable single coverage on the Medical Plan coverage. The Regions Medical Plans also exceed the “Minimum Essential Health Benefits” requirement.

Since 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

Related Information

Benefits Enrollment

Benefits Eligibility

Benefits Library

Benefits Sitemap

Documents and Forms

Summary Plan Descriptions

Where to Find Information

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