Choosing Your SunTrust Retiree Health Care Benefits

Transcription

2012 Retiree Enrollment Guide
2012
Choosing Your SunTrust
Retiree Health Care Benefits
Retiree Enrollment Guide

You r 2 0 1 2 Re t i re e Be n e fi t s
Contact Information
Finding Network Providers
This enrollment guide provides highlights of your 2012 SunTrust Benefit Plans for retirees. If you have
questions that are not answered in this guide, use these online resources and telephone numbers to
get answers.
To find a provider for…
Go online to…
For questions about…
Go online to…
Or call…
Any medical, dental, or
vision plan
BENE — Enrolling for benefits
https://www.benefitsweb.com/suntrust.html
800.818.2363
TDD: 800.811.8565
BENE Online at https://www.benefitsweb.com/suntrust.html
Choose the “Index” tab at the top right of the home page and choose
“Find a Provider” in the appropriate section.
Aetna medical plans
www.aetna.com/docfind
Search for provider by zip code, city, or county, and then choose the applicable state.
1. Complete the appropriate geographic information, and select the type of provider.
2. Select one of the two combinations:
• For HMO: Choose Aetna Standard Plans and Open Access Aetna SelectSM
• For PPO: Choose Aetna Open Access Plans and Aetna Choice® POS II as the plan
Anthem BlueCross BlueShield
medical plans
www.anthem.com
If you are a member, log in, select “Find a Doctor” and follow the instructions.
If you are not a member, select “Find a Doctor,” then “More Search Options.”
Select “Search Location” at the bottom and enter your location.
Then select “Your Insurance” at the bottom. From the drop-down lists, select
“Preferred Provider Organization” under “Select the type of Health/Medical plan
you have” and “National PPO’ under “Based on that plan type, select your plan.”
Then select “Search” at the bottom.
www.mycignaplans.com
• Open Enrollment ID: SunTrust 2012
• Open Enrollment Password: cigna
• Complete the geographic information
• Enter your search criteria in the Provider Directory
For all plans (HMO, PPO, and HDHP): Select the Open Access Plus network
www.kp.org/medicalstaff
Select your region and click “Continue”
For Georgia (Atlanta), click “medical staff directories” link, in the “Signature HMO
Plans” section. Click “Signature HMO” for plan type. Click “ Kaiser Permanente
medical center practitioners (The Southeast Permanente Medical Group, Inc.)” as
your provider.
For Maryland/Virginia/Washington DC (DC/Baltimore), select “Search for a specialist,
hospital, or affiliated provider.” Then scroll down and click the “Kaiser Permanente
Signature HMO” link.
Aetna — Medical
www.aetna.com
800.835.6167
www.aetnanavigator.com (member information)
Anthem BlueCross BlueShield — www.anthem.com
Medical
877.331.4654
CIGNA — Medical
Open Enrollment ID: SunTrust2012
Open Enrollment Password: cigna
www.mycigna.com (member information)
800.769.2116
For both locations:
http://my.kp.org/SunTrust
404.365.4110 (Atlanta)
877.218.7739 (DC/Baltimore)
UnitedHealthcare — Medical
Pre-enrollment website:
www.myuhc.com/groups/suntrustbank
877.885.8454
Health Savings Account
www.connectyourcare.com/suntrustpf/
866.442.1313
SunTrust’s Medicare
supplement plans
https://member-fhs.umr.com
800.430.4308
Express Scripts prescription
drug benefits (all plans except
Kaiser Permanente HMO)
www.express-scripts.com or
https://member.express-scripts.com/preview/
suntrust2012 (Express Preview)
877.242.1128 (general information)
800.824.0898 (pharmacy help desk)
866.848.9870 (CuraScript)
CIGNA — Dental
www.mycigna.com
800.769.2116
UnitedHealthcare Vision plan
www.myuhcspecialtybenefits.com
800.638.3120 (member services)
800.839.3242 (for network providers)
Employee Assistance Program
(EAP)
www.guidanceresources.com
(use ID “SunTrustCares”)
877.369.1785
UnitedHealthcare medical plans www.myuhc.com/groups/suntrustbank
Select “Find a Physician and Facilities”
Sparkfly, the teammate/retiree Available from BENE Online
discount program
800.687.2359
CIGNA dental plans
Marsh — Group Universal Life
866.578.6768
www.cigna.com
Select “Provider Directory” at the top
Click “Dentist,” enter search criteria (city or zip code), then “Next”
For the Dental HMO, choose “CIGNA Dental Care (HMO)”
For the Basic or Plus plans, choose “CIGNA Dental PPO” and the Radius Network
For the Dental Network Savings Program:
Select “Out-of-network savings program” (secondary network that can be used if you
are unable to locate a provider in the Radius Network)
https://www.myuhcvision.com/members/index.jsp
Select “Provider Locator”
Select current or future member and enter the requested information
Kaiser Permanente HMO:
Atlanta
DC/Baltimore
www.personal-plans.com/suntrust
See the inside back cover
for information on finding
a network provider.
CIGNA medical plans
Kaiser Permanente HMO
medical plans
This brochure is only an overview of SunTrust retiree health care benefits as of January 1, 2012. The
information provided in this brochure is subject to the official plan documents, which will control
in the event of any conflict, difference, or error. The Company reserves the right to amend or terminate
any of its retiree benefit plans in the future.
October 2011
Welcome to Your Guide for Choosing Your
SunTrust Health Care Benefits
As a SunTrust retiree, you are eligible for benefits that continue to give you flexibility,
tools, and resources to make good choices for your health:
• As you move into retirement — by selecting coverage that offers you the right fit
and the best overall value
• Throughout the year — through tools and programs designed to help you understand
your health risks, make healthy changes, and manage chronic conditions
This booklet provides the information you need to make decisions about coverage
under the SunTrust Retiree Health Plan. As you read through this material, consider
how your needs may have changed as you enter retirement. And take time to review
how the SunTrust benefit options help you manage your health — and manage your
overall cost for coverage and care. Then, make decisions about your retiree coverage.
In this Guide
2012 Health Benefits At-a-Glance . . . . . . . .2
Medicare Supplement Plans . . . . . . . . . . . .26
Enrolling for Retiree Health Benefits . . . . . .2
Dental Coverage . . . . . . . . . . . . . . . . . . .28
Taking Part in SunTrust Benefits . . . . . . . . . .6
Vision Coverage . . . . . . . . . . . . . . . . . . .30
Tools and Resources . . . . . . . . . . . . . . . . .11
Employee Assistance Program (EAP) . . . . . .31
Medical Coverage If You Are
Not Yet Medicare Eligible . . . . . . . . . . . . .13
Legal Notices . . . . . . . . . . . . . . . . . . . . .32
Medical Plan Comparison
(for those not eligible for Medicare) . . . . . .24
If you (and/or your dependents) have Medicare or will become eligible for
Medicare in the next 12 months, a Federal law gives you more choices about
your prescription drug coverage. Please see pages 32-33 for the notice that
verifies that prescription drug coverage under all of the SunTrust medical
options is considered “creditable coverage” for your eligibility for Medicare
Part D coverage.
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Yo u r 2 0 1 2 Re t i r e e B e n e f i t s
2012 Health Benefits At-a-Glance
The chart below summarizes the benefit options available to you through SunTrust. SunTrust also provides
personal counseling and assistance at no cost to you through the Employee Assistance Program (EAP).
Retirees/Dependents Under Age 65
(and not Medicare-eligible)
Medical
(All options include
prescription drug
coverage)
Options are available based on zip code and may
include:
• Open Access HMO
• Kaiser Permanente HMO (Atlanta and
DC/Baltimore areas only)
• Build-Your-Own PPO
• High Deductible Health Plan (HDHP) with
optional HSA
Retirees/Dependents Age 65
or Older (or Medicare-eligible)
Medicare Plus Plan
Medicare Basic Plan
Dental
CIGNA Basic Dental Plan
CIGNA Plus Dental Plan
CIGNA Dental HMO (available based on zip code)
Vision
UnitedHealthcare Vision Plan
Enrolling for Retiree Health Benefits
Some Expenses Carry Over
If you are currently
enrolled in a SunTrust
medical plan, any expenses
that have already been
applied to your deductibles
and coinsurance amounts
will also apply to whatever
retiree medical plan you
choose. For instance, if you
are enrolled in the PPO and
have applied $500 to your
family deductible, that
$500 will also apply to your
family deductible under
any retiree medical plan
you choose.
You must actively enroll for the retiree benefits you want as a new retiree in
2012 — even if you choose to continue the benefits you currently have for
yourself and your covered dependents. The personalized Retiree Health Election
Form included in your retirement package shows the options for which you are
eligible in retirement, based on your zip code and Medicare eligibility, as well as
the 2012 monthly premiums for your current coverage tier. If you need rate
information for other coverage tiers, contact BENE.
You are not required to enroll in the same coverage you have as an active
employee. For retiree coverage, you may enroll in different medical, dental or
vision options, and you may change your coverage tier.
Please remember that the retiree benefit elections you make cannot be changed
during the year unless you experience a qualified life event that allows a change
to your coverage — with one exception. You may drop medical, dental, and/or
vision coverage at any time, effective the first day of the following month. Bear
in mind that if you drop coverage, you will not have an opportunity to re-enroll
for benefits until the next Annual Enrollment period or until you have a qualified
life event. In any case, you will need to show proof of continuous,
comprehensive coverage when you re-enroll for SunTrust coverage.
If you are eligible for Medicare, you must enroll in Medicare Parts A and B to
receive the full benefit of the SunTrust Medicare supplement plans. The
Medicare supplement plans pay benefits as though you are enrolled in Medicare
Parts A and B — regardless of your actual enrollment. See page 26 for more
information.
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What Happens if You Don’t Enroll in Coverage Now?
If you do not enroll for retiree benefits when first eligible, you and any
dependents will not have retiree medical, dental, and/or vision coverage through
SunTrust. The health care coverage you currently have as an active employee will
not carry over to retiree coverage.
If you choose not to continue your coverage at this time, you will be able to elect
coverage at a later date as long as you can show continuous, comprehensive
coverage under another group or individual plan. This also applies to your eligible
dependents.
If You Drop Coverage and Later Re-enroll
If you drop coverage at any time and later wish to re-enroll for SunTrust
benefits, you may pay different premiums than you would if you had
continuous coverage with SunTrust. For current premiums, see the
personalized Retiree Health Election Form in your package.
How to Enroll
To enroll, just follow these steps:
1. Decide which benefits you want for the rest of 2012 (remember that all options
available to you are shown on your personalized Retiree Health Election Form;
if you need information on premiums not listed on your form, including
premiums for domestic partner coverage, please call BENE at 800.818.2363)
2. Indicate your choices on your Retiree Election Form
3. If you wish to pay your monthly premiums for coverage by Direct Debit, be
sure to attach a voided check to your enrollment form
4. If you do not wish to enroll for retiree health benefits at this time, be sure to
indicate that by checking the “Decline Coverage” box — you must return
your form
5. Mail your completed enrollment form to BENE:
SunTrust Benefits Service Center
P.O. Box 452
Little Falls, NJ 07424
Deadline for Enrolling
BENE must receive your completed enrollment form by the 10th of the month
prior to your retirement date. Your retirement date is the first day of the month
following your last day of work. For example, if your last day of work is June 17,
you will be a July 1 retiree, and your forms will be due on June 10. Any coverage
for which you are enrolled as an active employee continues until your retirement
date.
A Note About Group
Universal Life (GUL) and
Voluntary AD&D
If you enrolled in the GUL
program administered by
Marsh @WorkSolutions and
underwritten by MetLife, you
may continue coverage once
your retire. You will be billed
directly for the applicable
premiums.
If you do not pay the billed
premiums, MetLife will
automatically cancel your GUL
coverage. If, however, you
have contributed to the Cash
Accumulation Fund, MetLife
will draw upon these funds to
pay the GUL premium due,
unless you give notification
that you want to terminate
your GUL coverage. Retirees
pay the same rates as
teammates pay.
Voluntary Accidental Death
and Dismemberment (AD&D)
will end when you retire.
If you have any questions
about your GUL coverage,
please call Marsh at
1.866.578.6878. If you are
hearing impaired and have a
TDD, you may call
1.800.855.2881.
BENE must receive your
completed enrollment
form by the 10th of the
month prior to your
retirement date.
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Paying for Retiree Benefits
As a retiree, there are two ways you can pay for any medical, dental, and/or
vision coverage you select — Direct Debit or by check. To save on administration
costs, SunTrust requests but does not require that all retirees sign up for Direct
Debit. Your 2012 premiums for any plans for which you are eligible are shown on
your personalized Retiree Health Election Form.
Paying through Direct Debit
Direct Debit is an easy and convenient way to pay for retiree coverage. With
Direct Debit, your monthly premiums for retiree health coverage are
automatically deducted from your designated bank account each month. You may
designate an account with any bank; your deductions do not have to be taken
from a SunTrust bank account. Once your Direct Debit account is established, you
don’t need to do a thing. All premium payments are automatically handled for
you.
Here is how it works:
• When you enroll for retiree benefits, you include a voided check from the bank
account you wish to designate for Direct Debit with your enrollment form. This
enables SunTrust to set up the electronic funds transfer.
• Once your Direct Debit account is established, your premium deduction for
coverage each month is taken from your designated account on the 20th of that
month. For example, your premium payment for July is automatically deducted
from your account on July 20th.
• If the 20th falls on a weekend or holiday, the debit will be made on or after
the first business day following the 20th.
• There are no fees for Direct Debit. You will, however, be charged for
overdrafts, if applicable, according to the terms of your bank account.
If you do not set up Direct Debit now, you can begin Direct Debit at any time in
the future by calling BENE. A BENE representative can help you set up or stop
Direct Debit or change your designated bank account.
If Direct Debit is set up after your retiree coverage effective date, the first debit
will include all premiums owed including those for the current month. For
example, if you retire on August 1, set up Direct Debit on August 25, and haven’t
yet made a premium payment, the September 20 debit will include August and
September amounts.
4
Paying by Check
If you elect to pay your premium by check, you will receive an invoice around the
15th of each month, and payments are due by the end of each month.
Each invoice includes a coupon, which you must include with your monthly
payment. Checks should be made payable to ACS HR Solutions for SunTrust and
must include your Social Security number. Your check, including your invoice
coupon, should be mailed to the following address:
ACS HR Solutions for SunTrust
P.O. Box 223073
Pittsburgh, PA 15251-2073
This address is for premium payments only. Do not mail other retiree coverage
materials, such as enrollment forms, to this address.
A Word about COBRA
When you retire, you can elect to continue coverage under COBRA or you may
elect coverage under the SunTrust retiree plans – or a combination of the two.
For example, you may elect COBRA for your medical coverage and you may
choose the retiree dental and vision coverage.
If you elect COBRA, you will be required to continue the same options that you
had as an active teammate (unless you retire effective January 1st). For
example, if you retire March 1st and are enrolled in the PPO with the core
components, your only option for COBRA medical will be the core PPO. However,
if you elect coverage under the retiree plan and not COBRA, you can choose a
different option than your current election. For example, if you are enrolled in
the PPO buy-up coinsurance option under the teammate plan, you can elect the
core option under the retiree medical coverage.
If you decline retiree
medical coverage on the
enrollment worksheet and
return it to BENE, you will
automatically receive a
COBRA package for the
medical option.
COBRA generally provides 18 months of coverage. You can move from COBRA to
the retiree plan at any time by contacting BENE.
If you are enrolled in the Health Care Flexible Spending Account, you are eligible
to continue this coverage under COBRA for the remainder of the year. Eligible
expenses must be incurred while you are participating in the plan. You will
automatically receive a COBRA package about three weeks after you retire if you
are enrolled in the Health Care FSA. If you decline retiree medical coverage, your
COBRA package will include information for both medical coverage and the Health
Care FSA.
Certificate of Coverage
You and your covered dependents are entitled to a Certificate of Group Health
Plan Coverage verifying your participation under the SunTrust Employee Medical
Plan. If you do not elect SunTrust retiree medical coverage, BENE will
automatically send you this notice.
5
Taking Part in SunTrust Benefits
Your Eligible Dependents
Your eligible dependents include:
Dependent Eligibility Audit
• Your spouse
In 2012, SunTrust will be
auditing records to verify
dependent eligibility, so it’s
important to take a look at
dependent eligibility
requirements during
enrollment and ensure your
dependents are eligible for
coverage in 2012. Also, see
the Dependent Eligibility
FAQs on page 7.
• Your domestic partner (To cover your domestic partner, you can now provide
certification of your domestic partner’s eligibility via BENE Online with
electronic signature. You can also find more information on the criteria and tax
implications for domestic partner coverage. If you do not certify online, you
and your domestic partner must complete an Affidavit, which BENE must then
approve.)
• Your children and stepchildren, up to the end of the year they turn 26 (must be
no older than age 25 on December 31, 2011)
• Your children age 26 or older who are permanently and totally disabled and
who were disabled prior to age 26 or who became disabled while covered under
a SunTrust plan as your eligible dependent.
For more details on dependent eligibility see “Frequently Asked Questions” on
page 7.
If you are enrolling a
dependent for the first time,
other than within
31 days of the date that
person becomes your
dependent, you must provide
proof of continuous,
comprehensive coverage
for that dependent. This
includes a domestic partner
unless enrolled within
31 days of the date
your domestic partner
was eligible.
Proof of Continuous, Comprehensive Coverage
If you and any eligible dependents are not currently enrolled in SunTrust benefits
and wish to enroll for 2012, you must be able to prove that you are currently and
have been continuously covered under another health plan that provides
comprehensive coverage (for example, prescription drugs, hospitalization, and
office visits). Only once you’ve submitted proof will your elections be approved.
To elect:
• Medical coverage, you and your eligible dependents must show proof of
continuous, comprehensive medical coverage from a group or individual plan, a
Medicare Supplement, Medicare Advantage, or TriCare for Life
• Dental coverage, you must have been covered under a comparable dental plan
• Vision coverage, you must have been covered under a plan that offered
coverage for eye examinations (note that a medical necessity to the eye,
glaucoma for example, is covered under the medical plan).
Extended Coverage for Child on Medical Leave from School
Effective January 1, 2010, the plan added a special provision to comply with
Michelle's Law. This provision applies only to a dependent child who is enrolled in
the Plan because of full-time student status. If the dependent child has a serious
illness or injury resulting in a medically necessary leave of absence or change in
enrollment (such as reduction in hours) that causes a loss of student status, the
Plan will extend coverage to the child for up to a year. As of January 2011, the
Plan does not require full-time student status as a condition of coverage for
eligible dependents.
6
Dependent Eligibility: Frequently Asked Questions
If I divorce, how long can I continue coverage for my ex-spouse?
Coverage for your dependent ends on the actual date of the divorce.
Reporting the divorce as a qualifying event is required so that COBRA
coverage can be offered to the ex-spouse who is no longer your dependent.
My divorce decree requires that I provide coverage for my ex-spouse. Can I
continue to cover that person under the SunTrust plan?
No. Since the person would no longer be considered an eligible dependent
under the terms of the plan, you would either need to provide coverage
through COBRA or find coverage through another source for your ex-spouse.
When do dependent children become ineligible?
Children are no longer considered to be eligible under the SunTrust medical,
dental, and vision coverages at the end of the year in which your child
reaches age 26.
I have a Qualified Medical Child Support Order (QMCSO) for my child.
How does this affect his/her eligibility for coverage?
In accordance with federal law, health coverage will be provided to certain
dependent children (called alternate recipients) if the plan is required to do
so by a QMCSO. The order should be submitted to the QMCSO Processing
Group at BENE for approval. Their address and number are:
P. O. Box 436
Little Falls, NJ 07424
800.722.0387, ext. 39289
How do I know if my disabled child meets the requirements for continuing
coverage?
If your dependent child becomes permanently and totally disabled while
covered as a dependent under the SunTrust Retiree Health Plan (or another
employer-sponsored group health plan) prior to age 26, you may continue
coverage for the child until he/she is no longer disabled. The insurance
carrier may require you to submit certification that the child continues to
be disabled.
What if I enroll my dependents when they are actually not eligible?
Enrolling and covering ineligible dependents is a violation of the SunTrust
Code of Business Conduct and Ethics. If you are found to have enrolled
ineligible dependents, you may be subject to disciplinary action, including
coverage cancellation or employment termination.
7
About Medicare Eligible Benefits
Request from Benefit
Advocates, Inc.
SunTrust occasionally asks
the Benefit Advocates,
Inc., an alliance partner,
to work with BENE to
confirm data affecting
eligibility. Please comply if
you are asked to verify
any personal information
such as your date of birth,
or eligibility for Medicare.
All information will be
kept confidential and only
shared with appropriate
SunTrust personnel.
Because the Medicare
supplement plans are
administered as if you are
also enrolled in Medicare
Benefits, you should enroll
in Medicare Parts A and B
to ensure that you are
receiving the maximum
benefits allowed under
your plan. See page 26 for
information about
Medicare Part D and
prescription drug
coverage.
8
The SunTrust retiree medical and prescription drug benefits available to you and
any covered dependents depend on age and/or eligibility for Medicare. Anyone
enrolling for coverage — you and/or any dependents — under age 65 and not
otherwise eligible for Medicare will choose medical and prescription drug
coverage from the available pre-65 options. Anyone enrolling for coverage who is
age 65 or older or otherwise eligible for Medicare will be eligible for the
Medicare supplement plans, which automatically include the Buy-Up prescription
drug coverage.
If you or your spouse is under the age of 65 and Medicare eligible because of
disability, please send a copy of your Medicare identification to BENE to be
enrolled in a SunTrust Medicare supplement plan.
The same options for dental and vision coverage are available to all eligible
retirees and covered dependents regardless of age or Medicare eligibility.
When You or Your Spouse Turn 65
About three months before you or your spouse will turn age 65, you will receive
information about enrolling in one of the two SunTrust Medicare supplement
plans: the Medicare Plus Plan or the Medicare Basic Plan. You will receive
information on your premiums and an explanation of how the plans coordinate
with Medicare. See page 26 for details on how the plans work.
If you do not enroll during the enrollment period, you or your spouse will
automatically move to the Medicare Plus Plan the first day of the month in which
you or your spouse celebrate your 65th birthday. If you or your spouse turn 65 on
the first day of the month, Medicare and Medicare supplement plan coverage take
effect the first day of the previous month. For example, if you turn 65 on March
1, you will be eligible for Medicare — and be enrolled in the Medicare Plus Plan
unless you elect the Medicare Basic Plan — on February 1. If, on the other hand,
you turn 65 on March 2, you become eligible for Medicare and the Medicare
Supplement plans on March 1.
Split Family Provision
If you are eligible for Medicare and cover your dependents who are not or vice
versa, you will be covered under the “split family provision.” In this case, the
Medicare-eligible individuals are enrolled in a Medicare supplement plan and other
family members may choose an option based on your home zip code.
Protect Your Privacy
SunTrust protects the privacy of your protected health information. SunTrust
Human Resources complies with all HIPAA privacy rules.
The SunTrust and ComPsych (EAP) Privacy Policies are available at BENE Online.
Take a moment to read how these privacy rules restrict how and when protected
health information can be used and disclosed. These policies are posted in the
Reading Room of BENE Online under the “Documents, Forms, Notices, Reports”
subheading. You can also call BENE and request that a copy be sent to you.
Making Changes to Your Benefit Choices
In general, the benefits you choose will stay in effect through December 31. You
are not allowed to make changes to your medical, dental, or vision coverage
selections — other than dropping coverage — during the year.
If you have a qualified life event (such as those listed below), you can make
benefit changes provided that the change is consistent with the event. For
example, if you divorce and your ex-spouse is therefore no longer eligible for
coverage, you can change your coverage tier from retiree and spouse to retiree
only. Any changes to your benefits choices must be made within 31 days of the
date of the event. Qualified life events include:
Retirees and dependents
who are eligible for but
not enrolled in the
SunTrust plan may enroll
if they lose Medicaid or
CHIP coverage because
they are no longer
eligible, or they become
eligible for a state’s
premium assistance
program. You have 60
days from the date of the
Medicaid/CHIP event to
request enrollment under
the plan. If you request
this change, coverage will
be effective the first of
the month following your
request for enrollment.
Specific restrictions may
apply, depending on
federal and state law. See
page 34 for more aobut
Medicaid and CHIP
coverage.
• An addition to your family — through marriage, birth, or adoption
• A change in dependent status — through divorce, death, or loss of eligibility for
benefits
• A change in your spouse’s or dependent’s benefits — because of a new job, job
loss, significant change in cost or coverage, or discontinuation of benefits
To notify SunTrust of any qualifying events and to make changes during the year,
contact BENE at 800.818.2363, select option 2, enter your Social Security number
and PIN, and speak with a Benefits Representative between 8:30 a.m. and
5:30 p.m. (ET) Monday through Friday.
If you drop coverage for yourself and/or your dependents at any time during the
year, you cannot re-enroll for coverage unless you can demonstrate continuous,
comprehensive coverage under another health care plan. In addition, your
premiums may change when you re-enter the plan.
Coordination of Medical and Dental Benefits
When you or a family member is covered under two or more plans, one
is primary and all other plans are secondary plans.
It’s important to understand that having coverage under two plans does not
necessarily mean you will receive higher benefits, because the SunTrust plans
and most other plans take into account amounts paid by other coverage when
determining benefits.
9
Tools and Resources
BENE — The SunTrust Benefits Service Center
You can use BENE Online or call toll-free to talk with a Benefits Representative
about SunTrust benefits, enrolling, changing your benefit choices within 31 days
of a qualifying life event, and providing or correcting information about your
dependents.
Tools to Help You Choose a Medical Plan
If You Are Medicare
Eligible
You can go to BENE
Online to see
information on the
Employee Assistance
Program, Sparkfly,
Other Health Care
Web sites, and News and
Information. Anyone
who is Medicare eligible
does not have access to
the other tools
described here and on
page 11.
Compare Health Plans
Health Plan Evaluator lets you compare plan features side-by-side and estimate
how much each plan would cost in 2012 based on premiums plus your out-ofpocket cost for the medical care you anticipate. To use this tool, log into BENE
Online, choose the “Index” tab at the top right, and choose “Compare Health
Plans” in the “Medical Insurance” section. You can also visit your current carrier’s
Web site to review your current health care claims and expenses.
Find a Provider
Use “Find a Provider” in the BENE Online Health & Welfare “Planning Tools”
section to search for in-network providers for the SunTrust health care plans for
which you are eligible.
Health Plan Member Services
The Customer Service Representatives at Aetna, Anthem BlueCross BlueShield,
CIGNA, Kaiser Permanente (Atlanta and DC/Baltimore areas only),
UnitedHealthcare, and Express Scripts, and the BENE representatives are
available to answer your questions as you think about which plan may be right for
you. See “Contact Information” on the inside front cover for phone numbers and
Web site addresses.
Express Preview
Express Preview helps you research drug costs and estimate your annual
prescription drug expenses if you are enrolled in a SunTrust medical plan option.
This tool is available at https://member.express-scripts.com/preview/
suntrust2012. See the inside front cover of this guide for Express Scripts phone
numbers.
HSA Cost Calculator
The HSA Cost Calculator can help you estimate your annual tax savings based
on your contribution and tax bracket, assuming you enroll in the HDHP and
set up an HSA. This tool is available at www.connectyourcare.com/suntrustpf/
pf-calculator.html.
10
Health and Wellness Tools and Resources
Owning Your Health (for participants in a SunTrust medical plan option)
SunTrust has created a tab on BENE Online called “Owning Your Health” that
makes it easy to access online tools and special programs for your health and
wellness, including:
• Personal Health Record (PHR), a confidential tool to store and organize all of
your health information. You control complete access to your record and decide
who will view it.
• The Health Assessment, which gives you a personalized report showing your risk
factors and steps you can take to improve your health.
• MyActiveHealth.com, a secure, online resource that has all the health
information that’s important to you in one convenient place. You can look up
health information, watch a video or print out materials on health topics of
interest to you; get the latest health news; check potential drug interactions;
find and print out recipes for great-tasting, healthy eating; and much more.
• Nurse Line — call to speak to a registered nurse 24 hours a day.
• The ActiveHealth Disease Management Program, offering personalized
counseling and support if you or a family member has a chronic condition.
11
Medical Coverage If You Are Not Yet
Medicare Eligible
Medical Plan Options
You have several choices for medical coverage in 2012. The options available to
you are the same ones available to active employees. They are based on your
home zip code and shown on your personalized worksheet and may include:
See “Terms to Know”
on page 13 for key
definitions.
• Open Access HMO plan
• Kaiser Permanente HMO plan (Atlanta and DC/Baltimore areas only)
• A PPO plan that allows you to customize your benefits by choosing your
deductible amount and coinsurance level
• A High Deductible Health Plan (HDHP) with an optional Health Savings Account
(HSA)
While all your medical plan options cover the same services, including
preventive care, there are differences in how the plans work — how you pay
for coverage versus how you pay for care, how you manage your benefits, and
how you manage health care costs.
Comparing Plan Features for 2012
Open Access
HMO
Kaiser
Permanente
HMO
Build-Your-Own
PPO
HDHP
Yes — Broad
Yes — Limited
Yes — Broad
Yes — Broad
Offers flexibility to use outof-network providers
No
No
Yes — paid at
out-of-network
level
Yes — paid at
out-of-network
level
Requires you to choose a PCP
No
Yes
No
No
Requires PCP referral for
specialist care
No
Yes
No
No
Has an annual deductible you
must meet before the plan
pays most benefits
Yes*
Yes*
Yes
Yes
Features copays for office
visit services
Yes
Yes
No
No
Yes**
Yes***
Yes
Yes
Covers in-network preventive
services at 100% (see Medical
Plan Comparison for more
detail)
Yes
Yes
Yes
Yes
Allows you to enroll in an
HSA to save pre-tax for
medical expenses
No
No
No
Yes
Features a network of
providers
Has an annual limit on your
out-of-pocket spending
*
12
Deductible applies to services received outside the doctor’s office. It does not apply to services provided in the doctor’s
office, which are covered by the office visit copayment, or to other services requiring copayments.
** Excludes copays.
*** Excludes copays and deductibles.
Terms to Know
Annual deductible is the amount you must pay out of your own pocket for
medical care before the plan begins to pay benefits. The deductible does not
apply to services for which you pay a set copayment, such as office visits in the
Open Access HMO option.
Annual out-of-pocket maximum is the most you will have to pay out of your
own pocket each year, including the deductible. (If you enroll in the Kaiser
Permanente HMO, the deductible does not count toward the out-of-pocket
maximum.) If you reach the out-of-pocket maximum during the year, the plan
pays 100% of your eligible expenses for the rest of the year. This does not
include copayments for Open Access HMO or Kaiser HMO options or costs for
prescription drugs unless you are in the HDHP.
Coinsurance is the percentage of eligible charges the plan pays for your care
once you have met the annual deductible.
Copayment is a set dollar amount you pay for services you receive and
applies in the Open Access HMO and Kaiser Permanente HMO medical options
and the Dental HMO option.
Health Savings Account (HSA) — If you enroll in the HDHP, you can set up an
HSA. You contribute after-tax dollars to the account to pay for out-of-pocket
health care expenses. Your after-tax contributions during the year can be
deducted on your 2012 tax return. Any interest or investment earnings you
receive in the account are tax-free as long as you use the account for eligible
health care expenses.
Reasonable and Customary (R&C) allowances refer to the prevailing rates for
medical services and supplies in your area. When you enroll in the PPO or HDHP
and use out-of-network providers, you are responsible for any additional charges
over the R&C amounts as determined by your plan administrator. Out-ofnetwork services are not covered by the Open Access HMO or Kaiser Permanente
HMO except in life-threatening medical emergencies.
Breast Reconstruction Following a Mastectomy
If you have a mastectomy, all SunTrust medical plans provide the following benefits:
• Reconstruction of the breast on which the mastectomy has been performed
• Surgery and reconstruction of the other breast to produce a symmetrical
appearance
• Prostheses and treatment of physical complications at all stages of mastectomy,
including lymphedemas
13
Health Maintenance Organizations (HMOs)
You may have the option to enroll in the Open Access HMO based on your home
ZIP code. Retirees in Atlanta and DC/Baltimore also have the option to enroll in
the Kaiser Permanente HMO option.
Refer to “Medical Plan
Comparison” on page
24 for details on
copayment and out-ofpocket maximum
amounts.
HMOs provide medical treatment and services through a network of doctors,
hospitals, and other providers. Except for medical emergencies, all care must be
received from network providers. If you use a provider who does not belong to
the network, you are responsible for the full cost.
Copayments apply to office services, emergency room, and urgent care services.
Preventive care is covered at 100% with no copayment. You must meet an annual
deductible before the plan begins to pay for most services received outside the
doctor’s office. For services that are not covered by a copayment, you pay
coinsurance after you meet the deductible. You also have the protection of an
annual out-of-pocket maximum. If you reach your out-of-pocket maximum during
the year, the plan pays 100% of the cost for all additional eligible medical
expenses you and your family would need for the rest of the year, other than
those requiring a set copayment.
For some covered services, there are differences in how the Open Access HMO,
the Kaiser HMO (Atlanta area) and the Kaiser HMO (DC/Baltimore area) pay
benefits. For more detail on covered services, go to BENE Online to the
“Documents and Forms” section and click on “Benefit Plan Overviews” to find the
2012 HMO Comparison Chart.
Open Access HMO
The Open Access HMO allows you to visit any doctor in your network. You don’t
need a referral to see a specialist.
Although you are not required to name a Primary Care Physician, we encourage
you to use a primary doctor. Your primary doctor can help coordinate all of your
care, including:
• Providing routine and preventive care
• Offering guidance on seeking care from a specialist in the network
• Helping to arrange hospital stays and other outpatient treatment within the
network
You must use providers in the Open Access network to receive benefits. If you go
to a non-network provider, the plan will not pay for care unless you are being
treated for a life-threatening emergency.
Prescription Drug Benefits
Your prescription drug benefits are provided through Express Scripts. This Express
Scripts coverage features copayments and coinsurance, and an out-of-pocket
maximum that is separate from the HMO maximum. When you enroll for medical
coverage, you choose from two different prescription drug levels to complete
your medical benefit election. See “Prescription Drug Coverage for the Open
Access HMO, PPO, and HDHP Options” on page 19 for more information on
prescription drug benefits and your coverage options.
14
Kaiser Permanente HMO (Atlanta and DC/Baltimore areas only)
In addition to the Open Access HMO option, SunTrust offers a Kaiser Permanente
HMO option for Atlanta and DC/Baltimore-based retirees.
When you enroll in the Kaiser HMO, you must choose a Primary Care Physician
(PCP) from the network for yourself and each covered family member to
coordinate care. Except for medical emergencies, all care must be received from
Kaiser network providers. If you use a provider who does not belong to the
network or see a specialist without a referral from your PCP, you are responsible
for the full cost. Because the Kaiser HMO generally has a more limited network of
providers than the other medical plan options, it’s important to check the network
before you enroll.
If you are an Atlanta or DC/Baltimore-based retiree, go to
www.my.kp.org/suntrust to see if this plan will work for you.
The Kaiser Permanente HMO offers prescription drug coverage through Kaiser, not
Express Scripts. The cost is included in your premiums. You must use a Kaiser
pharmacy or mail order.
Retail (30-day supply)
Generic
$10 copay
Preferred brand-name
$25 copay
Non-Preferred brand-name
$40 copay
Home Delivery (90-day supply)
Generic
$20 copay
$50 copay
Non-Preferred brand-name
$80 copay
Preferred Provider Organizations (PPOs)
All retirees are eligible for the Preferred Provider Organization (PPO) plan.
How the PPO Option Works
The PPO features a network of doctors, hospitals, and other health care providers
who have agreed to charge negotiated fees for their services through the carrier’s
network. Each time you need care, you decide whether to use an in-network
provider or an out-of-network provider.
When you use in-network providers, you pay less out of your own pocket for your
care. This is because the plan pays a higher percentage of the cost, and your costs
are based on the negotiated fees that in-network providers have agreed to charge.
There are no claim forms to file when you use in-network providers. You can go to
any in-network provider and receive in-network benefits. When you use out-ofnetwork providers, you pay more out of your own pocket for your care. In
addition, out-of-network charges will be subject to Reasonable and Customary
(R&C) allowances. You may also be required to file your own claims.
When you use out-ofnetwork providers, you
pay more out of your own
pocket for care. In
addition, charges will be
subject to Reasonable
and Customary (R&C)
allowances. You may also
be required to file your
own claims.
15
You must meet an annual deductible before the plan begins to pay for most
eligible benefits. Preventive care from in-network providers is covered at 100%
with no deductible. Once you meet your deductible, the plan pays a percentage of
the cost of care — also known as coinsurance — and you pay the rest. Remember
that when you use out-of-network providers you are also responsible for any costs
over R&C allowances. After meeting your out-of-pocket maximum for the year,
eligible expenses will be covered at 100%.
Building Your Own PPO Plan
The PPO is based on a Core level of benefits. You have a choice of two options
for deductibles and two options for coinsurance and out-of-pocket maximums —
Core or Buy-Up.
Your choices for annual deductible options and coinsurance/annual out-of-pocket
maximum options are shown here. The Health Plan Evaluator tool at BENE Online
can help you determine what mix may work best for you based on your
anticipated medical care needs.
Annual Deductible Options
Option
In-Network
Out-of-Network
Buy-Up
$400/individual
$800/family
$800/individual
$1,600/family
Core
$600/individual
$1,200/family
$1,200/individual
$2,400/family
Coinsurance and Annual Out-of-Pocket Maximum Options
In-Network
Out-of-Network
Option
Coinsurance
Out-of-Pocket
Maximum
Coinsurance
Buy-Up
90%
$3,000/individual
$6,000/family
70%
$6,000/individual
$12,000/family
Core
80%
$4,000/individual
$8,000/family
60%
$8,000/individual
$16,000/family
Out-of-Pocket
Maximum
Your prescription drug benefits are provided through Express Scripts. You choose
from two different prescription drug levels to complete your medical election.
See “Prescription Drug Coverage for the Open Access HMO, PPO, and HDHP
Options” on page 19 for more information on prescription drug benefits and your
coverage options.
16
High Deductible Health Plan (HDHP)
The High Deductible Health Plan (HDHP) is available to all retirees who are not
Medicare eligible and live in the HDHP network area. In combination with a
Health Savings Account (HSA), it offers a powerful way to take control of your
health care costs. With the HDHP, you reduce your premiums and pay a higher
deductible if you need care during the year. In-network preventive care is
covered at 100%, even before you meet the deductible.
The HDHP features a network of providers.
• You can use any provider or facility you want with the HDHP.
• When you use in-network providers, however, you receive a higher level of
benefits and pay less out of your pocket for services.
• When you use out-of-network providers, you are responsible for any charges
above Reasonable and Customary (R&C) allowances, and you may have to file
your own claims.
The HDHP — How It Works
1
Preventive Care
In-network
preventive care is
covered at 100%,
including the cost of
routine colonoscopies
when performed in
accordance with the
American Cancer
Society guidelines.
* Annual deductibles and
out-of-pocket maximums
shown here apply only
for in-network services.
See “Medical Plan
Comparison” for details
on out-of-network annual
deductibles and out-ofpocket maximums.
2
Annual In-Network Deductible*
You must meet this before the plan pays
benefits, including prescription benefits:
• $1,500 if one person is enrolled
• $3,000 if more than one person is enrolled
(total family deductible must be met before
benefits begin for any family member)

3

Your Optional
HSA Account
You can set up an HSA to
cover out-of-pocket
expenses such as the
deductible and coinsurance.

You can contribute
pre-tax up to:
$3,100 per individual
$6,250 per family
(plus an additional $1,000
catch-up contribution if you
are at least age 55 during
the year)
You meet your annual deductible
4
Coinsurance
The plan shares the cost by paying coinsurance:
Plan pays 90% in-network
Plan pays 70% out-of-network

You pay your share of coinsurance up to
5
Annual In-Network Out-of-Pocket Maximum*
You won’t pay more than this during the year
for eligible expenses, including prescriptions:
• $5,500 if one person is enrolled
• $11,000 if more than one person is enrolled
(total family out-of-pocket maximum
must be met before the plan pays 100% of
eligible expenses)


If you meet the annual out-of-pocket maximum
6
The Plan Pays 100%
If you reach your out-of-pocket maximum,
the plan pays 100% of any additional eligible
medical and prescription drug expenses
Funds can be used to pay
for eligible health care
expenses,
or can be saved for future
medical expenses.
Whatever you don’t use
each year rolls over from
year to year and continues
to earn interest — and
funds used for eligible
medical expenses are not
taxed. It’s a savings account
for your future medical
care. As long as you use
your account for eligible
medical expenses, the
money remains tax free.
17
About the HDHP Deductible and Out-of-Pocket Maximum
If you enroll in retiree-only HDHP coverage (or enroll your spouse only or child only because you are covered
by Medicare Supplement coverage), the covered person must meet the $1,500 deductible ($3,000 out-ofnetwork) before the plan begins to pay benefits other than in-network preventive care. If you meet the
$5,500 annual out-of-pocket maximum ($11,000 out-of-network), the plan pays 100% of you or your
dependent’s eligible expenses for the rest of the year.
If you enroll yourself and any dependents (or more than one dependent because you are covered by
Medicare Supplement coverage), you and/or your dependents must meet the $3,000 deductible amount
($6,000 out-of-network) before the plan begins to pay benefits other than in-network preventive care for
any enrolled family member. Likewise, you and/or your dependents must meet the $11,000 annual out-ofpocket maximum ($22,000 out-of-network) before the plan begins paying 100% of eligible expenses. You can
meet the deductible through any combination of covered medical expenses for enrolled family members.
Here are examples showing how this works for the in-network deductible.
Meeting the In-Network HDHP Deductible if You Enroll More than One Person
Example 1: Jim enrolls himself
and his wife, Anna. They both
have expenses for office visits,
lab work, and prescriptions for
minor illnesses. Anna takes a
monthly prescription for
osteoporosis.
Jim’s expenses: $1,200
Anna’s expenses: $1,800
Total: $3,000
Example 2: Amy enrolls herself,
her husband, Ron, and her two
children, Ben and Rebecca. All
family members have expenses for
office visits, lab work, and
prescriptions for minor illnesses.
Ben takes ongoing medication for
asthma.
Amy’s expenses: $850
Ron’s expenses: $600
Ben’s expenses: $1,050
Rebecca’s expenses: $500
Total: $3,000
Example 3: Stella enrolls herself
and her two children, Emily and
Lucy. Lucy gets sick early in the
year and is hospitalized for
pneumonia. Because her illness
happens early in the year, Stella
and Emily don’t yet have any
expenses toward the deductible.
Stella’s expenses:$0
Emily’s expenses: $0
Lucy’s expenses: $3,000
Total: $3,000
In all three examples, the HDHP begins paying in-network benefits (90% for covered services) for all
family members once the $3,000 in-network deductible is met. If any family reaches a total of
$11,000 in in-network out-of-pocket expenses during the year, the HDHP begins paying 100% for all
family members.
18
Prescription Drug Coverage for the Open Access HMO, PPO, and
HDHP Options
Prescription drug benefits for the Open Access HMO, Build-Your-Own PPO, and
HDHP are provided through Express Scripts. The Kaiser Permanente HMO has
separate prescription drug coverage through Kaiser.
The prescription drug benefits feature a preferred drug list for brand-name drugs.
Your cost for brand-name drugs will be lower when you use a drug on the
preferred drug list. The preferred drug list, which is available at BENE Online, is
compiled by an independent group of doctors and pharmacists and includes
medications for most medical conditions that are treated on an outpatient basis.
How Prescription Drug Benefits Work
Your prescription drug coverage lets you purchase medications from participating
retail pharmacies or through Express Scripts’ home delivery program. You are
required to use home delivery for regular maintenance medications after the
third retail order or contact Express Scripts to opt out of mail order. You can use
the “Find a Provider” tool in the BENE Online Health & Welfare “Planning Tools”
section to locate network pharmacies.
Your Coverage Options
Under the Open Access HMO and the PPO, you have the choice of two
prescription drug coverage options, shown below. With each option, you pay a
low, set copayment for generic medications and a coinsurance amount for brandname medications.
It is likely that
Walgreen’s will not
participate in the
Express Scripts
network in 2012.
Under the HDHP, your prescription drug coverage is included in your plan and
subject to the same deductible and out-of-pocket maximum as other eligible
medical expenses.
Open Access HMO and PPO
HDHP
Buy-Up Option
Core Option
None
None
HDHP annual deductible
applies. See page 24.
$1,500 per person
$3,000 per person
HDHP out-of-pocket
maximum applies.
See page 24.
Generic
$5 copay
$10 copay
10%, no max*
30%, max $95
40%, max $115
10%, no max*
Non-preferred brand-name
40%, max $125
50%, max $135
20%, no max*
$10 copay
$20 copay
10%, no max*
30%, max $190
40%, max $230
10%, no max*
40%, max $250
50%, max $270
20%, no max*
Annual Deductible
Annual
Out-of-Pocket Maximum
Generic
*
Subject to HDHP out-of-pocket maximum. See page 24.
19
Step Therapy Program
If you do not participate
in Step Therapy when
required, a brand name
drug will not be covered.
Under Step Therapy, you must try a first-step drug treatment — usually a
generic — before a higher cost brand-name drug is covered. If the first line
drug is not effective or there is a clinical reason that it cannot be used,
another medication would be approved.
You are required to participate in the Step Therapy program for all the classes of
medications listed below.
• Proton pump inhibitors
• ARB’s, ACE’s, Calcium Channel
Blockers and Beta Blockers to treat
high blood pressure
• Brand NSAID’s & COX2’s for pain and
inflammation
• Leukotriene inhibitors for asthma
• HMG Enhanced for cholesterol
• SSRI’s and other antidepressants
• Non-sedating antihistamines
• Hypnotics for sleep aid
• Antivirals
• Topical immunondulators (eczema)
• Bisphosphonates for osteoporosis
• Lyrica for seizures and nerve pain
• Overactive bladder medications
• Tekturna for hypertension
• Avodart for BPH
• Fenofibrate for cholesterol
• Januvia and Thiazolidinedione (TZD)
for diabetes
• Nasal Steroids for allergy
• Topical Corticosteroids for
inflammatory skin conditions
• Xopenex for asthma
Specialty Medications through CuraScript
If you take any oral or injectable specialty medications, including selfadministered drugs, you must purchase these medications through CuraScript, an
Express Scripts subsidiary. You may fill your initial prescription at a retail
pharmacy but then must use CuraScript for your subsequent refills to be covered.
CuraScript provides better discounts than retail costs. You’ll also receive delivery
of specialty medication and supplies to your home, doctor’s office, or any other
location, usually within 24 hours — and you have access to call center assistance,
so you can talk toll-free with pharmacists and nurses.
20
Take Control of Your Prescription Drug Expenses
There are lots of ways to take control of your prescription drug costs. Here are
just a few ideas:
• Choose generic medications when possible. They are required to have the
same active ingredients with the same strength and dosage amounts as their
brand-name counterparts but cost much less. Using generic drugs can reduce
your out-of-pocket expenses.
• Use Express Scripts’ Price a Drug tool to research your options. This tool lets
you research various medications to determine your out-of-pocket costs and
identify lower-cost alternatives and other cost saving opportunities. To use this
tool, you must register as a member.
• Use Express Preview to plan ahead. This tool lets you research drug costs and
helps you estimate your annual prescription drug expenses. The Web address is
available on the inside front cover in the “Contact Information” section.
Express Scripts Select Home Delivery
Home Delivery is the preferred way to fill your maintenance medications if you’re
enrolled in the SunTrust Open Access HMO, PPO, or HDHP. Here’s what this means:
• You can fill your maintenance medication two times at a participating pharmacy.
(“Maintenance” means you take a drug regularly, like high blood pressure
medication.)
• The third time you fill your prescription, you pay the full cost, unless you enroll
for Home Delivery or call Express Scripts to decline Home Delivery.
Call 888.772.5188 to opt
out of Home Delivery.
If you have questions,
call Express Scripts at
877.242.1128.
21
The Health Savings Account (HSA)
The SunTrust HSA
You can set up an HSA
with SunTrust. See page
23 for more details. If you
are interested in opening
an account please visit
connectyourcare.com/
suntrustpf/
When you enroll in the HDHP, you have the choice to establish an HSA as a way to
save money to pay for qualified expenses you pay out of your pocket.
You can set up an HSA at the financial institution of your choice, contribute aftertax dollars and use those dollars to pay for out-of-pocket health care expenses,
like your premiums*, deductible and coinsurance. You decide how to use your HSA
funds, and any funds you don’t use during the year roll over — building an
account you can use for future health care expenses.
Contributing to the HSA
When you set up an HSA, you make contributions directly to the financial
institution on an after-tax basis. You may contribute any amount to the HSA, up
to federal limits — $3,100 for retiree-only coverage and $6,250 for family
coverage in 2012. If you are at least age 55 during the year, you can also make
additional “catch-up” HSA contributions — up to an additional $1,000 in 2012.
Your after-tax contributions during the year can be deducted on your 2012
tax return.
You can set up an HSA at any time during the year.
Using Your HSA Account Funds
You can use the funds in your account to pay for all eligible health care services,
such as doctor’s office visits, hospital care, lab tests, X-rays, medical equipment
and prescription drugs. Any amounts you pay for qualified expenses count towards
meeting your annual deductible. Only charges incurred on or after your HSA is
open are eligible for reimbursement, even if you have not made your first
contribution.
Who Is a Tax-Qualified Dependent?
You can use your HSA for eligible expenses of your eligible tax-qualified
dependents. Under federal tax law, “health plan tax dependent” includes your
children (biological, adopted, step and foster) through the end of the year in
which they turn age 26. It also includes other covered individuals for whom you
can claim an exemption on your federal taxes. In addition, it includes family
members – or an unrelated person who lives with you for the entire year – if they
receive more than half of their support from you; are a U.S. citizen, resident or
national, or a citizen of Mexico or Canada; and are not claimed as a “qualifying
child” dependent on anyone else’s tax return. These rules are complex and may
require the assistance of your tax advisor. Consider this definition as you think
about how much to set aside in your HSA in 2012.
*According to IRS Publication 969, you cannot treat insurance premiums as qualified medical expenses
unless the premiums are for:
1. Long-term care insurance
2. Health care continuation coverage (such as coverage under COBRA)
3. Health care coverage while receiving unemployment compensation under federal or state law
4. Medicare and other health coverage if you were 65 or older (other than premiums for a Medicare
supplement policy, such as Medigap)
The premiums for long-term care insurance that you can treat as qualified medical expenses are
subject to limits based on age and are adjusted annually. See Limit on long-term care premiums you
can deduct in the instructions for Schedule A (Form 1040).
Items (2) and (3) can be for your spouse or a dependent meeting the requirement for that type of
coverage. For item (4), if you, the account beneficiary, are not 65 or older, Medicare premiums for
your spouse or a dependent (who is 65 or older) generally are not qualified medical expenses.
Note: You cannot claim the “health coverage tax credit” for premiums that you pay with a tax-free
distribution from your HSA. See Publication 502 for more information on this credit.
22
The SunTrust HSA
You can set up a SunTrust HSA. The SunTrust HSA offers:
• A healthcare payment card and online reimbursement options for easy account
access
• Competitive interest rates, plus a choice of mutual fund options once your
account reaches $3,000
• Online access to account balances, transaction history, and decision support
tools
• Customer service 24/7 through a toll-free number
Using Your HSA Account Funds
You can use the funds in your account to pay for all eligible health care services,
such as doctor’s office visits, hospital care, lab tests, X-rays, medical equipment
and prescription drugs as long as the account was open when the expense was
incurred. Any amounts you pay for qualified expenses count towards meeting your
annual deductible and out-of-pocket maximum.
SunTrust Healthcare Payment Card
When you open a SunTrust HSA, you automatically receive a SunTrust Healthcare
Payment Card. The card makes it easy to use funds in your HSA — and you don’t
pay any fees when you use your card.
No matter how you seek
reimbursement through
your HSA, the account will
only reimburse you up to
the amount in the account
at the time the claim is
submitted or the card is
used. If you pay for
medical expenses out of
your own pocket because
you don’t have enough
money in your account to
cover them at the time,
you can request
reimbursement later when
your account balance
allows, as long as your
account was open at the
time you received
services.
The card is linked to your HSA account and draws money — up to the balance in
your account — directly from your account when you make purchases at approved
locations. Examples of qualified health care merchants include doctor’s offices,
pharmacies and hospitals. The card should only be used to pay eligible expenses
and you should always save your receipts.
23
Medical Plan Comparison (for those not eligible for Medicare)
The following chart provides an overview of key benefits under the HDHP, HMO, and PPO plans. You can find
information on prescription drug coverage under the Open Access HMO, PPO, and HDHP plans on page 19. You
can find information on prescription drug coverage under the Kaiser Permanente HMO on page 15.
HDHP
In-Network
Open Access HMO
Out-of-Network
(based on R&C allowance)
Annual deductible
$1,500 — one person
$3,000 — more than one
person
Annual out-of-pocket maximum
$11,000 —one person
$11,000 — more than one $22,000 — more than one
person
person
Lifetime maximum benefit
$6,000 — more than one
person
In-Network Only
$150/individual
$300/family
$2,000/individual
$4,000/family
Unlimited
What the Plan Pays
24
Preventive care
100%, no deductible
70% after deductible
100%1
Office visits
• PCP/Physician
• Specialist
100% after:
• $25 copay
• $35 copay
Hospital care
• Inpatient services
• Outpatient surgery
90% after deductible1
Emergency care
100% after $125 copay
(copay waived if admitted)
Urgent care
Lab and X-ray
100%, no deductible
Mental health/substance abuse treatment
• Inpatient
• Outpatient
• 90% after deductible
• 100% after $25 copay
1
Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer Society guidelines
are covered at 100%.
2
Emergency care is covered at the in-network benefit level for a life- or limb-threatening emergency.
For example: if you enroll in the PPO for retiree-only coverage
About the PPO Options
Remember you can choose
the core or buy-up
deductible level and the
core or buy-up coinsurance/
out-of-pocket maximum
level to build your own PPO.
If you choose…
Core level for both
You’ll have…
$600 in-network deductible and
80% in-network coinsurance
Core for deductible and buy-up for
coinsurance/out-of-pocket maximum
Buy-up for deductible and core for
coinsurance/out-of-pocket maximum
Buy-up level for both
PPO
In-Network
In-Network Only
Out-of-Network
(based on R&C allowance)
$150/individual
$300/family
Buy-Up
Core
$400/individual
$600/individual
$800/family
$ 800/individual $1,600/family
$1,200/family $1,200/individual $2,400/family
$2,000/individual
$4,000/family
Buy-Up
Core
$3,000/individual $6,000/family $6,000/individual $12,000/family
$4,000/individual $8,000/family $8,000/individual $16,000/family
Unlimited
Unlimited
What the Plan Pays
100%1
Buy-Up
Core
100%, no deductible
Buy-Up
Core
Buy-Up
Core
(copay waived if admitted)
Buy-Up
Core
Buy-Up
Core
100%, no deductible
Buy-Up
Core
• 90% after deductible
• 100% after $25 copay
Buy-Up
Core
100% after:
• $25 copay
• $35 copay
1
Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer Society guidelines
are covered at 100%.
2
Emergency care is covered at the in-network benefit level for a life- or limb-threatening emergency.
About Preventive Care
Eligible tests and screenings are considered preventive care if performed as part of a routine
examination and considered appropriate based on evidence qualified protocols. Any test or
screenings to diagnose disease based on symptoms will be covered as treatment if eligible. You can
view a list of recommended immunizations and screenings based on your age at the Health &
Welfare section of BENE Online under “Learn More.”
25
Medicare Supplement Plans
If you are age 65 or older, or otherwise eligible for Medicare, you will be covered
by one of the SunTrust Medicare supplement plans — the Medicare Plus Plan or
the Medicare Basic Plan.Both Medicare supplement plans are administered by
UMR. Both plans are intended to coordinate with Medicare benefits to protect you
from the out-of-pocket costs of catastrophic illness.
Default Coverage
If you or your spouse have
SunTrust retiree medical
coverage and become
eligible for Medicare, you
automatically will be
enrolled in the Medicare
Plus Plan if you don't
make a choice between
the two options during the
enrollment period.
The participant(s) eligible for the Medicare Basic and Plus coverage options must
be enrolled in Medicare Parts A and B to receive the maximum benefit. These
plans assume the payments are made by Medicare regardless of your actual
enrollment. Therefore it is very important that you contact your local Social
Security office to enroll. If you or your spouse continued to work beyond your
normal retirement date (age 65) and have delayed enrollment in either or both
Parts A and B, your local Social Security Administration will provide a Request for
Employment Information (CMS-L564) form that will need to be completed to
certify you had continuous coverage since you became eligible for Medicare.
Please submit this form to the SunTrust Benefits Service Center, P.O. Box 452,
Little Falls, NJ 07424 for completion.
The Medicare supplement plans generally pay the difference between the maximum
amount that Medicare authorizes for a medical procedure and what it actually
pays. You are responsible for amounts that exceed the Medicare allowable charge if
you see a physician who does not accept Medicare’s assignment.
For the Medicare Plus Plan, you are also responsible for an inpatient
hospitalization copay of $200 per Part A deductible applied by Medicare and the
annual Medicare Part B deductible for physician services.
For the Medicare Basic Plan, you are responsible for the first $2,000 of covered
expenses per person, which can include the Part A deductible and hospital copay,
the Part B deductible, and 20% of Medicare-approved charges after the Part B
deductible. After one person pay $2,000, the plan pays Medicare-approved
charges not covered by Medicare for that person.
The following chart shows what the Medicare supplement plans pay, based on
what Medicare pays, for certain expenses. There is no lifetime maximum under
the Medicare supplement plans.
Medicare Pays
Medicare Plus Plan Pays
Medicare Basic Plan pays
Medicare Part A Services
Inpatient hospital
services
All but Part A
deductible for up to
150 days
Part A deductible after your After you have paid the first $2,000
$200 copay, plus charge for of covered expenses per person in a
days beyond 150 if
year, plus charge for days beyond
medically necessary
150 if medically necessary
Medicare Part B Services
26
Physician services
80% of Medicareapproved charges
after Part B
deductible
20% of Medicare-approved
charges after you pay Part
B deductible
20% of Medicare-approved charges
after you pay $2,000 in covered
expenses per person in a year and
any remaining Part B deductible
Emergency
treatment/Foreign
travel
Nothing
100%
100% after you pay $2,000 in
covered expenses per person
All health benefits shown here are subject to all provisions of the Medicare
supplement plans. The plans generally will not cover any charges that Medicare
does not cover.
Prescription Drug Coverage for Both Medicare Supplement Plans
Medicare Part D (Prescription Drug Coverage)
Prescription drug coverage under the Medicare supplement plans is considered to
be at least as good as coverage under Medicare Part D. Unless you are eligible for
a special subsidy under Medicare Part D, the SunTrust coverage is more
comprehensive. More information about the comparison of SunTrust’s and
Medicare’s prescription drug coverage is in the Creditable Coverage Notice on
pages 32-33.
As long as you are not enrolled in Medicare Part D, prescription drug benefits for
either Medicare supplement plan are provided through Express Scripts. If you are
enrolled in Medicare Part D, you are not eligible for prescription drug coverage
through SunTrust even though your premium will not be reduced.
Your prescription drug coverage lets you purchase medications from retail
pharmacies or through Express Scripts’ mail order program. You pay a low, set
copayment for generic medications and a coinsurance amount for brand-name
medications. There is also a limit on the amount of money you will have to spend
out of your pocket during the year for prescription drugs.
Remember that if you are
covered under either
Medicare Supplement plan
and enroll in Medicare
Part D, your coverage will
not provide prescription
drug benefits through
Express Scripts even
though your premium will
not be reduced.
What You Pay for Prescription Drugs
Annual Out-of-Pocket Maximum
$1,500 per person
Generic
$5 copay
30%, max $95
40%, max $125
Generic
$10 copay
30%, max $190
40%, max $250
Prescription drug coverage for the Medicare supplement plans works just like the
Buy-Up coverage for the Open Access HMO and PPO and features all the same
programs. For information on the preferred drug list, the Step Therapy program
and purchasing specialty medications through CuraScript, as well as tips for
managing prescription drug costs, see “Prescription Drug Coverage for the Open
Access HMO, PPO, and HDHP Options” beginning on page 19.
27
Dental Coverage
CIGNA Dental’s Radius
Network
The CIGNA Basic and Plus
dental plans feature a
broad dental network —
the Radius dental network
— that gives you access to
many dentists and
specialists in your area.
Plus, you'll save money
through negotiated rates!
Go to BENE Online under
the Health & Welfare tab,
choose Planning Tools
from the left and click
"Find a Provider" to search
for a dentist near you. You
can also call 800.769.2116
to use the Dental Office
Locator or speak to a
customer service
representative.
An Alternative Network
If you cannot locate a
provider in the Radius
network, you will have
access to a secondary
network through the
Dental Network Savings
Program (DNSP). The DNSP
will offer a discount on
dental services, although
generally not as large a
discount as the Radius
network.
28
Depending on your zip code, you have a choice of either two or three dental
plans:
• The CIGNA Basic option
• The CIGNA Plus option
• The CIGNA Dental HMO (if you live in a CIGNA Dental HMO network area)
The CIGNA Basic and Plus options are available to all retirees. Both plans have the
same annual deductible and cover preventive care at 100%. The deductible does
not apply to preventive care. Both options pay 80% of the cost for basic care,
such as fillings and root canals, once you meet the deductible.
The CIGNA Plus option also covers major care (such as crowns and bridges) as well
as orthodontia. The annual maximum benefit under this option ($1,500 per
person) is higher than under the CIGNA Basic option ($500 per person), and there
is a separate lifetime maximum for orthodontia benefits ($1,500 per person).
The CIGNA Dental HMO is available only if you live in a CIGNA Dental HMO
network area. When you enroll in the Dental HMO, you select a network general
dentist who provides routine, basic care and refers you to specialty dentists when
necessary. The plan pays benefits only when your network general dentist
provides or coordinates your care. If you seek care on your own, you pay the
entire cost. Payment for services is based on a predetermined patient charge
schedule, available on BENE Online. Procedures not listed on the patient charge
schedule are not covered. If your dentist leaves the network during the year, you
must select a new network general dentist to have care covered by the plan.
Using In-Network Providers
You may use any dentist you choose under the Basic and Plus options.
However, you may pay less if you visit a dentist who participates in CIGNA’s
dental network.
Claims from non-participating providers are subject to the Reasonable and
Customary (R&C) allowances. If you visit a dentist who doesn’t participate in
the network, you will be required to pay any amount over the R&C.
Dental Benefits At-a-Glance
Here is an overview of all three dental plan options. See your personalized
worksheet for details on premiums for dental coverage. For the CIGNA Basic and
Plus options, pre-treatment estimates are recommended for procedures expected
to exceed $200 to ensure that services are covered.
Annual deductible
CIGNA Basic*
$50 per person
$150 per family
CIGNA Plus*
$50 per person
$150 per family
CIGNA Dental HMO
None
Annual maximum benefit
$500 per person
$1,500 per person
Unlimited
Preventive care
(cleanings, diagnostic
X-rays)
100%
100%
Costs based on patient charge
schedule**
Basic care (fillings,
periodontal care, root
canals)
schedule**
Major care
(crowns, bridges)
Not covered
schedule**
Orthodontia
Not covered
50%, no deductible
$1,500 lifetime
maximum
schedule**
What the Plan Pays
* All claims are subject to R&C allowances unless you visit a dentist who participates in CIGNA’s network. Using a preferred
provider could result in lower out-of-pocket expenses.
** The current schedule is available at BENE Online.
29
Vision Coverage
The vision care benefit, offered through UnitedHealthcare Vision, helps you and your family save money on
exams, eyeglasses, contacts, and laser eye surgery. UnitedHealthcare Vision has a national network of
participating independent doctors and retail chain providers. Whenever you need vision care, you can use any
doctor you want. However, you receive a higher level of benefits when you choose a UnitedHealthcare Vision
in-network provider.
The following is a summary of what the plan pays. See your personalized worksheet for details on premiums
for vision coverage.
In-Network
Service
Out-of-Network
How Often Covered
Routine eye exam
Up to $40 allowance
Once every calendar year
Lenses
Allowance:
• Single vision: Up to $40
• Bifocal: Up to $60
• Trifocal: Up to $80
• Lenticular: Up to $80
Frames*
Allowance:
• Up to $50 wholesale
from private practice
• Up to $130 from retail
chain
Up to $45 allowance
Once every two calendar
years
Contact lenses**
Allowance:
• Elective: Up to $105
• Medically necessary:
Up to $210
* When you use UnitedHealthcare Vision network providers, UnitedHealthcare Vision covers a wide selection of frames, but not
all frames are covered in full.
** Contact lenses are covered in lieu of eyeglass lenses and frames. Up to four boxes of disposable contact lenses may be
covered, depending on the prescription.
Laser eye surgery is also available through the Laser Vision Network of America (LVNA). Call 888.563.4497 or
visit uhclasik.com.
Optional Items Not Covered
Optional items, such as scratch-guard coating and progressive lenses, are not covered under the plan and
are your responsibility to pay.
30
Employee Assistance Program (EAP)
The Employee Assistance Program (EAP) is provided free of charge to all SunTrust
retirees and their immediate families. The EAP offers free, confidential, shortterm counseling, as well as resource information on a variety of life issues such as
elder care, child care, and general living support.
ComPsych® GuidanceResources® provides professional and personal assistance for
you and your family members for any type of problem. Counseling is given by
experienced, licensed counselors and is available 24 hours a day, seven days a
week. You can receive five visits per issue in any 12-month period at no cost to
you. If you need additional care, services may be covered by your medical plan.
It’s important to check your medical plan coverage, including provider networks,
before you continue care.
You can also use ComPsych® to find resources for elder care. This resource and
referral service helps you explore options, find background information, and
identify resources.
The EAP also offers a resource for getting expert information on a variety of life
tasks. Provided through FamilySource®, this service can save you time and help
minimize the headaches related to:
• Buying homes, cars, or computers
• Planning a vacation or obtaining a passport
• Relocating to a new city
• Having repairs or construction done on your home
• Entertaining family and friends
The EAP also provides financial and legal resources:
• Legal support for issues ranging from divorce and family law to criminal and
civil actions
• Financial help with anything from resolving debt issues to retirement planning
Go to www.guidanceresources.com (ID “SunTrustCares”) or call 877.369.1785.
31
Legal Notices
Notice About Prescription Drugs and Medicare
SunTrust Banks, Inc. Retiree Health Plan and SunTrust Banks, Inc. Employee Benefit Plan — All
Medical Options Revised September 2011 for 2012 Plan Year
Your Prescription Drug Coverage and Medicare
Important Notice from SunTrust Banks, Inc.
If you or one of your covered dependents is eligible for Medicare benefits, please read this notice
carefully and keep it where you can find it. At the end of this notice is information about where you
can get help to make decisions about your prescription drug coverage.
1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare through
Medicare prescription drug plans and Medicare Advantage Plans that offer prescription drug
coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by
Medicare. Some plans may also offer more coverage for a higher monthly premium.
2. SunTrust has determined that the prescription drug coverage included as part of medical
coverage under either the Retiree Health Plan or the Employee Benefit Plan is, on average for
each plan’s participants, expected to pay out at least as much as the standard Medicare
prescription drug coverage will pay. Therefore, the SunTrust prescription drug benefits under
all medical options are considered Creditable Coverage.
Because the prescription drug coverage through all SunTrust medical plans in 2011 and in 2012
is on average at least as good as standard Medicare prescription drug coverage, you can keep
this coverage and not pay extra if you later decide to enroll in Medicare prescription drug
coverage.
Individuals can enroll in a Medicare prescription drug plan when they first become eligible for
Medicare and each year from October 15 through December 7. Beneficiaries leaving employer/union
coverage may be eligible for a Special Enrollment Period to sign up for a Medicare prescription drug
plan.
You should compare your current coverage, including which drugs are covered, with the coverage
and cost of the plans offering Medicare prescription drug coverage in your area.
A description of SunTrust’s prescription drug coverage is included in the SunTrust Retiree Summary
Plan Descriptions and the SunTrust Benefits Summary Plan Descriptions. It is also described in this
SunTrust Retiree Enrollment Guide and the New Hire Orientation Guide. The SunTrust Benefits
Service Center (BENE) can tell you how to get a copy.
SunTrust’s coverage pays for other health expenses, in addition to prescription drugs. Unless you are
in active SunTrust employment, if you choose to enroll in a Medicare prescription drug plan,
prescription drug benefits generally will not be paid under the SunTrust coverage, but other covered
health expenses will be paid according to the plan document. Even if the SunTrust coverage does not
pay for prescription drug benefits because you have Medicare prescription coverage, your SunTrust
premium will not be reduced.
32
You should also know that, once Medicare-eligible, if you drop or lose your SunTrust medical
coverage (because of failure to pay premiums) and don’t enroll in Medicare prescription drug
coverage soon after your SunTrust coverage ends, you may pay more (a penalty) to enroll in
Medicare prescription drug coverage later.
Specifically, if you go 63 days or longer without prescription drug coverage that’s at least as good
as Medicare’s prescription drug coverage, your Medicare Part D monthly premium will go up at least
1% per month for every month that you were eligible but did not have that coverage. For example,
if you go 19 months without coverage, your premium will always be at least 19% higher than what
most other people pay. You’ll have to pay this higher premium as long as you have Medicare
prescription drug coverage. In addition, you may have to wait until the next November to enroll.
For more information about your options under Medicare prescription drug coverage…
More detailed information about Medicare plans that offer prescription drug coverage is in the
Medicare & You handbook. A new version of this handbook is mailed every year to Medicare
beneficiaries directly from Medicare. You may also be contacted directly by Medicare prescription
drug plans. For more information about Medicare prescription drug plans:
• Visit www.medicare.gov
• Call your State Health Insurance Assistance Program (see your copy of the Medicare & You
handbook for their telephone number) for personalized help
• Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.
For people with limited income and resources, extra help paying for Medicare prescription drug
coverage is available. Information about this extra help is available from the Social Security
Administration (SSA) online at www.socialsecurity.gov, or you may call them at 1-800-772-1213
(TTY 1-800-325-0778).
Remember: Keep this notice if you are eligible for Medicare or will become eligible within the
next 12 months. If you enroll in one of the plans approved by Medicare which offer
prescription drug coverage, you may be required to provide a copy of this notice when you
join to show that you are not required to pay a higher premium amount.
For more information about this notice or your current prescription drug coverage…
Contact BENE Online (https://www.benefitsweb.com/suntrust.html) or at 800.818.2363,
option 1.
NOTE: You may receive this notice at other times in the future such as before the next period you
can enroll in Medicare prescription drug coverage, and if this coverage changes. You also may
request a copy of this notice at any time.
33
Medicaid and the Children’s Health Insurance Program (CHIP)
Offer Free or Low-Cost Health Coverage to Children and Families
If you are eligible for health coverage from your employer, but are unable to afford the premiums,
some states have premium assistance programs that can help pay for coverage. These states use
funds from their Medicaid or CHIP programs to help people who are eligible for employer-sponsored
health coverage, but need assistance in paying their health premiums.
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a state listed
below, you can contact your state Medicaid or CHIP office to find out if premium assistance is
available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any
of your dependents might be eligible for either of these programs, you can contact your state
Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply.
If you qualify, you can ask the state if it has a program that might help you pay the premiums for an
employer-sponsored plan.
Once it is determined that you or your dependents are eligible for premium assistance under
Medicaid or CHIP, your employer’s health plan is required to permit you and your dependents to
enroll in the plan – as long as you and your dependents are eligible, but not already enrolled in the
employer’s plan. This is called a “special enrollment” opportunity, and you must request coverage
within 60 days of being determined eligible for premium assistance.
If you live in one of the following States, you may be eligible for assistance paying your employer
health plan premiums. The following list of States is current as of January 1, 2011. You should
contact your State for further information on eligibility.
ALABAMA – Medicaid
Website: http://www.medicaid.alabama.gov
Phone: 1-800-362-1504
ALASKA – Medicaid
Website:
http://health.hss.state.ak.us/dpa/programs/medicaid/
Phone (Outside of Anchorage): 1-888-318-8890
Phone (Anchorage): 1-907-269-6529
ARIZONA – CHIP
Website:
http://www.azahcccs.gov/applicants/default.aspx
Phone: 1-877-764-5437
ARKANSAS – CHIP
Website: http://www.arkidsfirst.com/
Phone: 1-888-474-8275
34
CALIFORNIA – Medicaid
Website: http://www.dhcs.ca.gov/services/Pages/
TPLRD_CAU_cont.aspx
Phone: 1-866-298-8443
COLORADO – Medicaid and CHIP
Medicaid Website: http://www.colorado.gov/
Medicaid Phone: 1-800-866-3513
CHIP Website: http://www.CHPplus.org
CHIP Phone: 1-303-866-3243
FLORIDA – Medicaid
Website:
http://www.fdhc.state.fl.us/Medicaid/index.shtml
Phone: 1-877-357-3268
GEORGIA – Medicaid
Website: http://dch.georgia.gov/
Click on “Programs,” then “Medicaid”
Phone: 1-800-869-1150
IDAHO – Medicaid and CHIP
Medicaid Website: www.accesstohealthinsurance.idaho.gov
CHIP Website: www.medicaid.idaho.gov
CHIP Phone: 1-800-926-2588
INDIANA – Medicaid
Website: http://www.in.gov/fssa/2408.htm
Phone: 1-877-438-4479
IOWA – Medicaid
Website: www.dhs.state.ia.us/hipp/
Phone: 1-888-346-9562
KANSAS – Medicaid
Website: https://www.khpa.ks.gov
Phone: 1-800-792-4884
KENTUCKY – Medicaid
Website: http://chfs.ky.gov/dms/default.htm
Phone: 1-800-635-2570
LOUISIANA – Medicaid
Website: http://www.lahipp.dhh.louisiana.gov
Phone: 1-888-342-6207
MAINE – Medicaid
Website: http://www.maine.gov/dhhs/oms/
Phone: 1-800-321-5557
MASSACHUSETTS – Medicaid and CHIP
Medicaid and CHIP Website:
http://www.mass.gov/MassHealth
Medicaid and CHIP Phone: 1-800-462-1120
MINNESOTA – Medicaid
Website: http://www.dhs.state.mn.us/
Click on “Health Care,” then “Medical Assistance”
Phone: 1-800-657-3739
MISSOURI – Medicaid
Website: http://www.dss.mo.gov/mhd/index.htm
Phone: 1-573-751-2005
MONTANA – Medicaid
Website: http://medicaidprovider.hhs.mt.gov/clientpages/
clientindex.shtml
Telephone: 1-800-694-3084
NEBRASKA – Medicaid
Website: http://www.dhhs.ne.gov/med/medindex.htm
Phone: 1-877-255-3092
NEVADA – Medicaid and CHIP
Medicaid Website: http://dwss.nv.gov/
CHIP Website: http://www.nevadacheckup.state.nv.org/
CHIP Phone: 1-877-543-7669
NEW HAMPSHIRE – Medicaid
Website: http://www.dhhs.nh.gov/ombp/index.htm
Phone: 1-603-271-4238
NEW JERSEY – Medicaid and CHIP
Medicaid Website: http://www.state.nj.us/
humanservices/dmahs/clients/medicaid/
CHIP Website: http://www.njfamilycare.org/index.html
CHIP Phone: 1-800-701-0710
NEW MEXICO – Medicaid and CHIP
Medicaid Website:
http://www.hsd.state.nm.us/mad/index.html
CHIP Website:
http://www.hsd.state.nm.us/mad/index.html
Click on “Insure New Mexico”
CHIP Phone: 1-888-997-2583
NEW YORK – Medicaid
Website: http://www.nyhealth.gov/health_care/medicaid/
Phone: 1-800-541-2831
NORTH CAROLINA – Medicaid
Website: http://www.nc.gov
Phone: 1-919-855-4100
NORTH DAKOTA – Medicaid
Website:
http://www.nd.gov/dhs/services/medicalserv/medicaid/
Phone: 1-800-755-2604
OKLAHOMA – Medicaid
Website: http://www.insureoklahoma.org
Phone: 1-888-365-3742
OREGON – Medicaid and CHIP
Medicaid & CHIP Website:
http://www.oregonhealthykids.gov
Medicaid & CHIP Phone: 1-877-314-5678
PENNSYLVANIA – Medicaid
Website: http://www.dpw.state.pa.us/partnersproviders/
medicalassistance/doingbusiness/003670053.htm
Phone: 1-800-644-7730
35
RHODE ISLAND – Medicaid
Website: www.dhs.ri.gov
Phone: 1-401-462-5300
SOUTH CAROLINA – Medicaid
Website: http://www.scdhhs.gov
Phone: 1-888-549-0820
TEXAS – Medicaid
Website: https://www.gethipptexas.com/
Phone: 1-800-440-0493
UTAH – Medicaid
Website: http://health.utah.gov/upp/
Phone: 1-866-435-7414
VERMONT– Medicaid
Website: http://ovha.vermont.gov/
Telephone: 1-800-250-8427
VIRGINIA – Medicaid and CHIP
Medicaid Website: http://www.dmas.virginia.gov/rcpHIPP.htm
CHIP Website: http://www.famis.org/
CHIP Phone: 1-866-873-2647
WASHINGTON – Medicaid
Website:
http://hrsa.dshs.wa.gov/premiumpymt/Apply.shtm
Phone: 1-800-562-3022 ext. 15473
WEST VIRGINIA – Medicaid
Website: http://www.wvrecovery.com/hipp.asp
Phone: 1-304-342-1604
WISCONSIN – Medicaid
Website: http://badgercareplus.org/pubs/p-10095.htm
Phone: 1-800-362-3002
WYOMING – Medicaid
Website:
http://www.health.wyo.gov/healthcarefin/index.html
Telephone: 1-307-777-7531
To see if any more states have added a premium assistance program since January 1, 2011, or for more
information on special enrollment rights, you can contact either:
U.S. Department of Labor
Employee Benefits Security Administration
www.dol.gov/ebsa
1-866-444-EBSA (3272)
36
U.S. Department of Health and Human Services
Centers for Medicare & Medicaid Services
www.cms.hhs.gov
1-877-267-2323, Ext. 61565
Your 2012 Retiree Benefits
Contact Information
Finding Network Providers
This enrollment guide provides highlights of your 2012 SunTrust Benefit Plans for retirees. If you have
questions that are not answered in this guide, use these online resources and telephone numbers to
get answers.
To find a provider for…
Go online to…
For questions about…
Go online to…
Or call…
Any medical, dental, or
vision plan
BENE — Enrolling for benefits
https://www.benefitsweb.com/suntrust.html
800.818.2363
TDD: 800.811.8565
BENE Online at https://www.benefitsweb.com/suntrust.html
Choose the “Index” tab at the top right of the home page and choose
“Find a Provider” in the appropriate section.
Aetna medical plans
www.aetna.com/docfind
Search for provider by zip code, city, or county, and then choose the applicable state.
1. Complete the appropriate geographic information, and select the type of provider.
2. Select one of the two combinations:
• For HMO: Choose Aetna Standard Plans and Open Access Aetna SelectSM
• For PPO: Choose Aetna Open Access Plans and Aetna Choice® POS II as the plan
Anthem BlueCross BlueShield
medical plans
www.anthem.com
If you are a member, log in, select “Find a Doctor” and follow the instructions.
If you are not a member, select “Find a Doctor,” then “More Search Options.”
Select “Search Location” at the bottom and enter your location.
Then select “Your Insurance” at the bottom. From the drop-down lists, select
“Preferred Provider Organization” under “Select the type of Health/Medical plan
you have” and “National PPO’ under “Based on that plan type, select your plan.”
Then select “Search” at the bottom.
• Open Enrollment ID: SunTrust 2012
• Open Enrollment Password: cigna
• Complete the geographic information
• Enter your search criteria in the Provider Directory
For all plans (HMO, PPO, and HDHP): Select the Open Access Plus network
www.kp.org/medicalstaff
Select your region and click “Continue”
For Georgia (Atlanta), click “medical staff directories” link, in the “Signature HMO
Plans” section. Click “Signature HMO” for plan type. Click “ Kaiser Permanente
medical center practitioners (The Southeast Permanente Medical Group, Inc.)” as
your provider.
For Maryland/Virginia/Washington DC (DC/Baltimore), select “Search for a specialist,
hospital, or affiliated provider.” Then scroll down and click the “Kaiser Permanente
Signature HMO” link.
Aetna — Medical
www.aetna.com
800.835.6167
www.aetnanavigator.com (member information)
Anthem BlueCross BlueShield — www.anthem.com
Medical
877.331.4654
CIGNA — Medical
Open Enrollment ID: SunTrust2012
Open Enrollment Password: cigna
www.mycigna.com (member information)
800.769.2116
For both locations:
http://my.kp.org/SunTrust
404.365.4110 (Atlanta)
877.218.7739 (DC/Baltimore)
UnitedHealthcare — Medical
Pre-enrollment website:
www.myuhc.com/groups/suntrustbank
877.885.8454
Health Savings Account
www.connectyourcare.com/suntrustpf/
866.442.1313
SunTrust’s Medicare
supplement plans
https://member-fhs.umr.com
800.430.4308
Express Scripts prescription
drug benefits (all plans except
Kaiser Permanente HMO)
www.express-scripts.com or
https://member.express-scripts.com/preview/
suntrust2012 (Express Preview)
877.242.1128 (general information)
800.824.0898 (pharmacy help desk)
866.848.9870 (CuraScript)
CIGNA — Dental
www.mycigna.com
800.769.2116
www.myuhcspecialtybenefits.com
800.638.3120 (member services)
800.839.3242 (for network providers)
Employee Assistance Program
(EAP)
www.guidanceresources.com
(use ID “SunTrustCares”)
877.369.1785
UnitedHealthcare medical plans www.myuhc.com/groups/suntrustbank
Select “Find a Physician and Facilities”
Sparkfly, the teammate/retiree Available from BENE Online
discount program
800.687.2359
CIGNA dental plans
Marsh — Group Universal Life
866.578.6768
www.cigna.com
Select “Provider Directory” at the top
Click “Dentist,” enter search criteria (city or zip code), then “Next”
For the Dental HMO, choose “CIGNA Dental Care (HMO)”
For the Basic or Plus plans, choose “CIGNA Dental PPO” and the Radius Network
For the Dental Network Savings Program:
Select “Out-of-network savings program” (secondary network that can be used if you
are unable to locate a provider in the Radius Network)
https://www.myuhcvision.com/members/index.jsp
Select “Provider Locator”
Select current or future member and enter the requested information
Kaiser Permanente HMO:
Atlanta
DC/Baltimore
www.personal-plans.com/suntrust
See the inside back cover
for information on finding
a network provider.
CIGNA medical plans
medical plans
This brochure is only an overview of SunTrust retiree health care benefits as of January 1, 2012. The
information provided in this brochure is subject to the official plan documents, which will control
in the event of any conflict, difference, or error. The Company reserves the right to amend or terminate
any of its retiree benefit plans in the future.
January 2012
2012 Retiree Enrollment Guide
Retiree Enrollment Guide


Choosing Your SunTrust Retiree Health Care Benefits

Transcription

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