Medical plans

Coverage for your health journey

Reynolds offers two medical plan options so you can choose the one that best meets you and your family’s needs. The Advantage and the Standard Plan options use the same Blue Cross Blue Shield (BCBS) network and cover identical medical services. Both plans also provide prescription drug coverage through Express Scripts’ national network of pharmacies.

However, there are some important differences you should consider – like monthly premiums, deductibles and the ability to contribute to a Health Savings Account (HSA). This section will help you compare the two options.


100% Preventive Care with no deductible

Deductibles and Coinsurance
(included in the out-of-pocket maximum)

Coinsurance after deductible

Same percentage – both plans

Same percentage – both plans


$1,600 if individual coverage;
$3,200 if family coverage

$800 per individual;
$2,400 per family

Out-of-Pocket Maximum

$5,600 per individual;
$11,200 per family

$4,200 per individual;
$12,600 per family

Tax-favored HSA

Not eligible

HSA Start-up Contribution*


Not eligible

Health Care FSA

Prescription Drugs

You pay coinsurance once you have met any deductible

You pay coinsurance

Teladoc Medical and Behavioral Health

You pay 10% coinsurance once you have met your deductible

You pay 10% coinsurance

Onsite Health Centers

You pay a co-pay ($3-30) for your
appointments until your deductible is
met. Once met, there’s no cost to you

No cost

*The Start-up Contribution amount will be prorated to reflect the first month of enrollment during the calendar year.

At our onsite health centers, Health Coaching and Preventative Care is always free under both plans for all eligible employees.

What the plan pays

Program features Advantage Plan
Standard Plan

Preventive Care

Plan pays 100% with no deductible

Plan pays 100% with no deductible

Primary Care physician office visit

Plan pays 90% after deductible

Plan pays 90% after deductible

Walk-in clinic

Plan pays 90% after deductible

Plan pays 90% after deductible

Specialist office visit

Plan pays 80% after deductible

Plan pays 80% after deductible

Other covered medical services – hospital emergency room, ambulance outpatient services, labs and tests

Plan pays 80% after deductible

Plan pays 80% after deductible

Regardless of which plan you choose, preventive care services are covered 100%, at no cost to you.

Monthly premiums


Employee Only




Employee + Spouse/Domestic Partner




Employee + Child(ren)




Employee + Family




Making your health dollars go further


If you’re enrolled in the Advantage or Standard Plan, Teladoc provides you with 24/7 access to licensed physicians from your computer, tablet or phone, helping you save valuable time and money by avoiding crowded waiting rooms in the doctor’s office, urgent care clinic or ER.

Doctors can provide a diagnosis, treatment plan and prescriptions for common medical issues such as colds, bronchitis, allergies, and more.

Teladoc also offers confidential mental health care consultations with a family therapist or psychologist seven days a week between 7a.m. and 9p.m.

Teladoc Behavioral Health

Confidential mental health care will be available via Teladoc, where you’ll have access via phone or video to a licensed social worker, psychologist or family therapist, seven days a week from 7a.m. to 9p.m., from wherever you are. You work with the same provider each time unless you decide to change.

Teladoc behavioral health can help you with concerns such as:

  • Anxiety and/or depression
  • Not feeling like yourself
  • Marital issues
  • Stress


Simply download the app or visit: to set up an account or log in, complete a brief mental health questionnaire, then schedule an appointment with the provider of your choosing. Please note that the average wait time for an initial appointment is 5 days.

Get Teladoc now – register online, by calling 800-835-2362, or downloading the app.

Preventive care

Preventive care is an important part of maintaining your physical and emotional well-being. Tests, check-ups and counseling can help to prevent illnesses, disease and other serious health problems. Covered services include:

  • Blood pressure and cholesterol screenings
  • Cancer screenings
  • Mammograms and Pap smears
  • Contraception
  • Well-baby/Well-child care
  • Immunizations
  • Mental Health screenings
  • COVID-19 vaccination


To find out more about the range of services available, check out the downloads below or contact BCBS at 888-868-5527.

Put HealthJoy’s Healthcare Concierge to work for you

HealthJoy’s healthcare concierge service is available to help you find the right providers, schedule appointments, research treatments and uncover billing errors.

Connect with a HealthJoy Concierge for help with:

  • Understanding an Explanation of Benefits
  • Searching for the most cost-effective medical facility
  • Confirming a doctor is in the BCBS network
  • Questions about your benefits and coverage
  • Comparison shopping for health care services
  • Estimating out-of-pocket costs for medical procedures
  • Scheduling appointments


You don’t have to be enrolled in a Reynolds medical plan to use HealthJoy and the services are available at no cost to you or your dependents. To get started, download the HealthJoy app on your mobile device and click “Sign Up” within the HealthJoy app. Type in your work email address to receive a new activation email. Open the email and click the “Get Started” button.

If you have any issues with activation or logging into HealthJoy, please call (877) 500-3212 or email:

Nurse Management

Available through BlueCross BlueShield at no additional cost to you, the Nurse Management Program offers one-on-one assistance to help you better manage complex health conditions. Your assigned nurse advocate, who is a registered nurse, will help you navigate through the sometimes complicated healthcare system, create an individual plan of care for you, and help you understand the benefits of receiving quality and cost-effective care.

Whether you are recovering from an operation or managing a health condition, they can help. You can find out more at The Nurse Management program does not replace your current care or interfere with your normal schedule; you will continue to work with your health care provider. This program is a benefit of your health plan, so comes at no extra cost!


With SmartShopper, you can earn a cash reward by choosing the best in-network provider for your medical care. Compare prices and rewards by shopping online at or by calling the Personal Assistant Team at 1-877-702-6661. A SmartShopper Personal Assistant Team can also schedule your procedure. You’ll save on out-of-pocket costs and earn a share of the overall savings as a cash reward.

My Pregnancy Blue Cross NC

Whether you’re expecting your first child or your fourth, you’re going to need help. That’s why BlueCross BlueShield of North Carolina (Blue Cross NC) created the My Pregnancy program. My Pregnancy offers tools, resources and support to make sure you stay informed every step of the way. It’s a great way to help you find answers to questions, and learn fun facts about your pregnancy. The My Pregnancy Blue Cross NC app is free, confidential and you can use it wherever or whenever you want.

Health Insurance Made Simple

We know health insurance terms can be a little confusing. So, to get you started, here’s what we mean when we say…

Acute Care

– Acute care is the short-term treatment of severe injuries, illness, an urgent medical
condition or recovery from surgery.

Generic Prescription (Drug)

– A generic prescription is an FDA-approved medication that delivers the same
dose, strength, administration and purpose as its branded counterpart. The active
ingredients remain the same, but the generic drug is typically cheaper than the
branded versions.

Allowed amount

– the maximum amount BCBS will pay for a covered health care service. If you use a provider who is not in the BCBS network, you may have to pay the difference.

Health Savings Account (HSA)

– An HSA allows you to save and pay for eligible out-of-pocket healthcare costs
using pre-tax dollars. The money in your HSA is yours to keep. If you don’t use all
of your savings in one plan year, the remaining balance will roll over to the next plan
year. You’ll need to sign up the Advantage Plan (a high-deductible health plan) to
open an HSA.


– A beneficiary is the person(s) or entity you select to receive the payout benefit
from an insurance plan in the event of your death. It is important to ensure your
beneficiary designations are up-to-date for insurances and retirement plans such as
your Reynolds 401k.

High-deductible health plan

– An HDHP offers lower premiums and higher out-of-pocket costs. These costs are
capped by the plan’s in-network deductible. When you reach the deductible, your
plan will split the cost of services with you. This is known as coinsurance and is also
capped at a maximum. When you reach the coinsurance limit, the plan covers the
remaining in-network costs. Our Advantage Plan is an HDHP.

Change in Family Status

– certain benefit elections can only be made during the Open Enrollment or New Hire period unless you experience a Qualifying Life Event. A change in your family or employment status may allow you to make changes. If you have a change in your family status you have 61 days after the event to revise your elections.
Examples include birth, adoption, marriage, divorce, a spouse changing jobs and losing coverage.
See the “Making your elections” section for details on when elections can be made.

In-Network Provider

– a health care practitioner or service that contracts with BCBS. You may pay more when you use an Out-of-Network provider.

Chronic care

– Care provided that helps you to learn more about a chronic condition and how to
manage them through a treatment plan. It includes education and oversight for
health conditions such as diabetes, high blood pressure and coronary heart disease.

Insurance Claim

– An insurance claim is a request for payment from your provider to the health insurance
company. It details the services you received and the requested payment. Information
about the claim will be a part of the EOB you receive from BCBS.


– the percentage of the cost you pay for covered medical, prescription drug or dental service after you’ve met your deductible. If you reach your out-of-pocket maximum, the medical and prescription plans pay 100% of the allowed amount of all covered services for the remainder of the calendar year.

Out-of-pocket maximum

– the most you’ll spend on eligible medical and prescription drug expenses in a single calendar year. Your plan will cover all eligible expenses after this limit is reached.


– a fixed amount you pay for a covered healthcare service.

Post-tax payroll deduction

– You pay for certain benefits through post-tax deductions. Your premiums come from wages you’ve earned and already paid taxes on. See the “Making your elections” section for details on which premiums are deducted post-tax.


– the annual amount you pay before the plan begins paying for covered medical or dental services. When a service is covered 100% by the plan, you won’t pay a deductible.

Preferred Prescription

– A preferred prescription is drugs that is commonly prescribed and covered by your
prescription benefit plan. The list is created to maximize overall value by encouraging use
of generic rather than branded drugs. It does not include all formulary medications covered
your plan.


– A dependent for health benefits is any person (aside from the policyholder) eligible
for coverage under a policyholder’s plan. Typically, covered dependents are your
spouse and biological, adopted, or stepchildren. By law, dependents are allowed to
remain on their parents or guardians’ family plan until they are 26 years old.


– A premium is the amount you pay per month for your elected coverage.

Explanation of Benefit (EOB)

– you will receive an EOB from BCBS after a claim has been submitted. The EOB shows the price of the service, what the plan pays and how much you owe. You’ll also see how much of your deductible has been met, as well as any coinsurance or other amounts you may owe.
The EOB will show the discount received by choosing an In-Network Provider. If your treatment involved multiple providers, you may receive more than one EOB.

Pre-tax payroll deduction

– you pay for certain benefits through pre-tax deductions. This means your premiums come from wages you’ve earned, but didn’t pay taxes on. Pre-tax deductions also reduce your taxable wages, so you will likely owe less federal and state income tax and FICA (Social Security and Medicare). See the “Making your elections” section for details on which premiums are deducted pre-tax.


– A formulary is a list of all prescription drugs covered by your health insurance
plan. The list includes both branded and generic medications identified as offering
the maximum overall value. Any drugs not included on the list will require prior
authorization before they can be dispensed.

Preventive (or Preventative) Care

– Preventive care does not treat a medical illness or injury. Instead it helps to prevent or
identify health issues ahead of time. Preventive care includes regular visits and tests
with your doctor, as well as annual health checks that help you make informed choices to
support your overall wellbeing. Preventive care services are 100% covered under both our medical plans.


How do I know which plan is right for me?

The plan you chose this year might not be right for next year – but looking at your 2023 medical and prescription drug expenses is a good place to start. You can find your 2023 costs on the BCBS and the Express Scripts websites.

Once you know what you’ve spent in the past, think about how this year may be different. Are there expenses that you already know you’ll incur? Check the Express Scripts site to see the cost of your medications under the Advantage and the Standard Plans.

Once you’ve thought about the year ahead, consider your longer-term health care needs. Could you benefit by saving in an HSA so you can use tax-free dollars to pay for health care costs now and in the future? Remember that an HSA helps you build up savings through a triple-tax advantage – you benefit from pre-tax contributions and investments that grow tax-free, and won’t pay tax when you use your account to pay for health expenses.

Want another opinion? Talk to Ayco. They’re available to help you compare the two medical plan options so you can make the best choice for you.

How are the Advantage Plan and the Standard Plan similar?
  • Both use the BCBS network of providers throughout the United States.
  • Both cover the same medical services and prescription drugs.
  • Both have the same coinsurance for covered services.
  • Both cover preventive services at 100% – no cost to you.
  • Both plans include the deductibles and coinsurance in the out-of-pocket totals.
What are the differences between the Advantage Plan and the Standard Plan?

The Advantage Plan has a lower monthly premium than the Standard Plan, meaning that less comes out of your paycheck each month. For single coverage you would pay $384 less during 2024 if you enroll in the Advantage Plan. A family enrolled in the Advantage Plan will pay $1,200 less in premiums in 2024.

In addition, when you enroll in the Advantage Plan, you’ll receive a $600 Start-up Contribution towards your HSA to spend on eligible health care costs. This is prorated based on the month you enroll in the Advantage Plan. The money’s yours – so, even if you don’t spend it or you choose to leave Reynolds – it will stay in your HSA.

In order to let you contribute to an HSA, the Advantage Plan must meet certain IRS requirements. As a result, the Advantage Plan has a higher deductible than the Standard Plan. That means you’ll pay more before the plan starts paying. In addition, if you have family coverage, the entire family deductible must be met before the Advantage Plan starts to pay for any members of your family.

Also because of IRS requirements, the deductible under the Advantage Plan applies to Teladoc, on-site health centers and non-preventive drugs. You’ll have to pay the full cost of these services until you meet your deductible. After you meet the deductible, the Advantage Plan pays the same as the Standard Plan.

The out-of-pocket maximum is higher under the Advantage Plan for single enrollees, but lower for the family.


Blue Cross Blue Shield
Visit the BCBS website to review your health care expenditure over the last couple of years.
Express Scripts (ESI)
Visit the ESI website to review your prescription drug expenditure over the last couple of years.
Express Scripts Price Comparison
Compare the cost of your prescription drugs under the Advantage and Standard plans. Remember, once the Advantage Plan deductible is met your cost is the same under each medical plan.
Health Equity
Find out more about HSAs and tax-favored savings.
Ayco Financial Coaching
Access your financial coach for advice on your health care choices.


Summary of coverage (2024)

Advantage Plan preventive medications list (2024)

BCBSNC preventive care services

HSA basics (2024)

Deciding which plan is right for you (2024)

What is changing for Alight 2024

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