» Medical plans

	ADVANTAGE PLAN	STANDARD PLAN
Tax-favored HSA
HSA Start-up Contribution*	$600
100% Preventive Care with no deductible
Coinsurance after deductible	Same percentage – both plans	Same percentage – both plans
Deductible	In-Network $1,500 if individual coverage; $3,000 if family coverage	In-Network $700 per individual; $2,100 per family
Out-of-Pocket Maximum	In-Network $5,600 per individual; $11,200 per family	In-Network $4,200 per individual; $12,600 per family
Deductibles and Coinsurance (included in the out-of-pocket maximum)
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
Health Care FSA
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.

ADVANTAGE PLAN

STANDARD PLAN

Tax-favored HSA

HSA Start-up Contribution*

$600

100% Preventive Care with no deductible

Coinsurance after deductible

Same percentage – both plans

Deductible

In-Network
$1,500 if individual coverage;
$3,000 if family coverage

In-Network
$700 per individual;
$2,100 per family

Out-of-Pocket Maximum

In-Network
$5,600 per individual;
$11,200 per family

In-Network
$4,200 per individual;
$12,600 per family

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

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

Health Care FSA

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.

Program features	Advantage Plan (In-Network)	Standard Plan (In-Network)
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

Program features

Advantage Plan
(In-Network)

Standard Plan
(In-Network)

Preventive Care

Plan pays 100% with no deductible

Primary Care physician office visit

Plan pays 90% after deductible

Walk-in clinic

Plan pays 90% after deductible

Specialist office visit

Plan pays 80% after deductible

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

Plan pays 80% after deductible

	ADVANTAGE PLAN	STANDARD PLAN	ANNUAL DIFFERENCE
Employee Only	$55	$86	$372
Employee + Spouse/Domestic Partner	$207	$271	$768
Employee + Child(ren)	$207	$271	$768
Employee + Family	$360	$456	$1,152

ADVANTAGE PLAN

STANDARD PLAN

ANNUAL DIFFERENCE

Employee Only

$55

$86

$372

Employee + Spouse/Domestic Partner

$207

$271

$768

Employee + Child(ren)

$207

$271

$768

Employee + Family

$360

$456

$1,152


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.	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.
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.
Coinsurance – 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.
Co-pay – a fixed amount you pay for a covered health care 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.
Deductible – 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.	Premium – the amount of money you pay for your elected coverage. Premiums listed in this guide show what will come out of your paycheck.
	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.

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.

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.

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.

Coinsurance

– 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.

Co-pay

– a fixed amount you pay for a covered health care 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.

Deductible

– 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.

Premium

– the amount of money you pay for your elected coverage. Premiums listed in this guide show what will come out of your paycheck.

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.

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 2022 medical and prescription drug expenses is a good place to start. You can find your 2022 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 $372 less during 2023 if you enroll in the Advantage Plan. A family enrolled in the Advantage Plan will pay $1,152 less in premiums in 2023.

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.

On this page you will find:

Medical plans

Coverage for your health journey

What the plan pays

Monthly premiums

Making your health dollars go further

Teladoc

Teladoc Behavioral Health

Preventive care

Put HealthJoy’s Concierge to work for you

Nurse Management

SmartShopper

My Pregnancy Blue Cross NC

Health Insurance Made Simple

Allowed amount

Explanation of Benefit (EOB)

Change in Family Status

In-Network Provider

Coinsurance

Out-of-pocket maximum

Co-pay

Post-tax payroll deduction

Deductible

Premium

Pre-tax payroll deduction

FAQs

Tools

Blue Cross Blue Shield

Express Scripts (ESI)

Express Scripts Price Comparison

Health Equity

Ayco Financial Coaching

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