Making Good Choices for Your 2012 Benefits

Transcription

What’s New
for 2012
Home Page
How to Use This Guide
Enrolling
Paying for Your Benefits
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Income Protection Benefits
Employee Assistance Program
Legal Notices
Summary Plan Descriptions
Your 2012
Benefit Choices
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Welcome to Your 2012 Annual Enrollment Guide
Annual Enrollment is your opportunity to review your health and long-term disability coverage
and make choices that work best for you and your family. This guide is designed to help you
learn about your choices for 2012 and how to enroll.
TIP Check out How to Use This Guide.
Important Changes for 2012
For 2012, you’ll see:
• Updated medical premiums based on your salary level (or benefits base)
• Expanded domestic partner coverage to include opposite sex domestic partners who meet
eligibility requirements
• Eligibility for dependent children up to age 26 even if they have coverage through their own
employer
• An updated patient charge schedule for the CIGNA Dental HMO
See What’s New for 2012. For more about all the changes for 2012, see the 2012 Annual
Enrollment Overview on the BENE home page.
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. Click here
for more information.
2012 Annual
Enrollment is
October 11th to
October 26th
Annual Enrollment for 2012
benefits begins Tuesday,
October 11th, and ends Wed.,
October 26th. You can enroll
through BENE Online 24/7.
If you enroll by phone,
Benefits Representatives are
available from 8:30 a.m. to
6:30 p.m. (ET). For step-bystep instructions, see How to
Enroll.
Avoid the Rush —
Enroll Early
There’s typically a rush to
enroll toward the end of
the enrollment period. If
possible, enroll earlier in
the period to avoid longer
waiting times.
October 2011
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1
What’s New
for 2012
Your 2012
Benefit Choices
Home Page
Enrolling
Medical Coverage
Dental Coverage
Tools and
Resources
During the Year
Contact
Information
There are two ways to view this guide:
1. Use the links above and to the left to navigate the guide like a Web site.
2. Read the pages sequentially like a printed document using the
“Next Page” link at the bottom right.
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
This guide is only an overview of
SunTrust benefits as of January 1,
2012. The information provided in
this guide 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
benefit plans in the future.
There are two sets of links that
appear on every page. You can
click on these links to jump to
another section at any time.
Use the underlined links
within the text to get more
information on the topic.
Click on the Home Page link
at any time to return to the
home page.
Use the links at the bottom
right to advance pages or go
back to previous pages.
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2
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Your 2012
Benefit Choices
As health care costs continue to rise, SunTrust remains committed to offering teammates access to
quality care that’s as affordable as possible. Beginning January 1, 2012, your premium for SunTrust
medical coverage depends not only on the plan option and coverage level you choose, but also on
your salary level.
• Up to $30,000
• $90,000 and above
To determine premiums, SunTrust will use your salary or benefits base in the payroll system on
August 31, 2011. Premiums will not change during the year even if your salary or employment
code (full-time to regular part-time) changes. This approach to medical premiums, which is used
by many employers, helps us keep coverage as affordable as possible for all teammates. It is also
a step SunTrust is taking to prepare for future changes based on Health Care Reform legislation.
There is no increase in dental premiums and vision premiums are being reduced as a result of rate
renegotiation.
Dependent Eligibility
Opposite-Sex Domestic Partner Coverage
For 2012, you can enroll your opposite-sex domestic partner in SunTrust benefit coverage. You can
now provide certification of your domestic partner’s eligibility via BENE Online with an electronic
signature. Otherwise, you and your domestic partner must complete an Affidavit, which BENE must
approve. You can find out more information on the criteria and tax implications here.
Dependent Children Eligibility Change
Your dependent children up to age 26 will be eligible for SunTrust medical coverage in 2012
whether or not they are eligible for medical coverage elsewhere. Currently, children who have
coverage through their own employer are not eligible.
You can see your
premiums for 2012
at BENE Online.
All medical premiums
are increasing somewhat
to reflect overall
increases in health care
costs. The amount of
your increase depends
on the plan you choose
and your salary level (or
benefits base).
Medical coverage premiums for 2012 will be based on the following salary level (or benefits base):
Contact
Information
Medical Premiums Based on Your Salary Level (or Benefits Base)
• $30,000 to $90,000
Legal Notices
During the Year
What’s New for 2012
Flexible Spending
Accounts (FSAs)
Tools and
Resources
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. Review
Dependent Eligibility FAQs.
See Who You Can Enroll for a complete list of eligible dependents.
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What’s New
for 2012
Home Page
Enrolling
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Your 2012 Benefit Choices At-a-Glance
The chart below summarizes the SunTrust benefit options available to you for 2012.
Medical Coverage
(All options include prescription
drug coverage)
Options are available based on home 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
Dental Coverage
CIGNA Basic Dental Plan
CIGNA Plus Dental Plan
CIGNA Dental HMO (available based on home zip code)
Vision Coverage
UnitedHealthcare Vision Plan
Flexible Spending Accounts (FSAs)
Health Care FSA
Dependent Care FSA (day care for your dependents while you work)
Health Savings Account
If you enroll in the HDHP option, you can establish an HSA and
contribute pre-tax pay to build savings for future health care costs
— including retiree health care costs
Long-Term Disability (LTD)
Supplemental LTD — 60% or 70% (available if you are a full-time
teammate and have completed six months of employment)
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
In general, the benefits you choose during enrollment stay in effect through December 31, 2012. See Making
Benefit Changes During the Year for more information.
You and SunTrust share the cost of any medical or dental coverage you choose. If you enroll in vision
coverage, flexible spending accounts, or supplemental LTD, you pay the full cost of that coverage.
Benefits automatically provided by SunTrust at no cost to you include basic life insurance and AD&D,
basic 50% LTD (full-time only), the Employee Assistance Program (EAP), a wellness program through Virgin
HealthMiles, a WeightWatchers subsidy (50%), and Sparkfly discounts.
The Pre-tax Advantage
Your contributions for medical, dental, and vision coverage, as well as your FSA contributions are taken from
your paycheck before Social Security, federal, and most state and local income taxes are deducted. If you
enroll in the HDHP and sign up for a SunTrust HSA, your HSA contributions are pre-tax as well. While you
generally cannot change your benefit choices during the year unless you have a qualified life event, you can
change your HSA contribution amount at any time.
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What’s New
for 2012
Home Page
Enrolling
• Who Must Enroll
• How to Enroll
• PIN Information
• Who You Can Enroll
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Who Must Enroll
You must actively enroll during Annual Enrollment if:
It’s important
to review your
options and make
a choice for 2012.
• You wish to enroll in, change, or drop medical, dental, and/or vision coverage
• You want to add or drop covered dependents and change your coverage level
• You wish to enroll in one or both Flexible Spending Accounts (FSAs) for 2012 — even if you
participate this year
• You are enrolled or enrolling in the HDHP and need to set up a SunTrust Health Savings Account
(HSA) for payroll deductions and/or wellness rewards
• You are currently enrolled in an HSA and want to change your deduction amount for 2012.
Any wellness reward dollars you receive from SunTrust count toward your maximum allowable
contribution. You can adjust your HSA contributions during the year if needed to reflect
wellness rewards.
What Happens if You Don’t Enroll?
It’s important to review your options and make a choice. If you don’t actively enroll for benefits
during this Annual Enrollment, you will not be able to participate in either FSA for 2012.
Otherwise, you will continue to be enrolled in the same benefits, at the same coverage levels,
next year as you are today.
Please remember that elections you make during Annual Enrollment cannot be changed during
the year unless you experience a qualified life event that allows a change to your current
coverage.
There is one exception: If you enroll in the HDHP and set up an HSA, you can change your HSA
contribution at any time during the year, subject to the annual maximum contribution. You can
also open an HSA at any time during the year. Expenses eligible for reimbursement have to be
incurred on or after the date the HSA was opened.
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5
What’s New
for 2012
Home Page
Enrolling
• Who Must Enroll
• How to Enroll
• PIN Information
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
How to Enroll
You can enroll online or by phone from October 11 through October 26, 2011.
To enroll via BENE Online
To enroll by phone
BENE Online is available 24/7.
Benefits Representatives are available
weekdays from 8:30 a.m. to 6:30 p.m. (ET)
during Annual Enrollment.
1. Go to BENE Online.
2. Enter your Social Security number and PIN.
3. Click the special enrollment link on the
home page.
4. Select “Make your elections now” and
follow the instructions. (Remember — if
you are idle for more than 10 minutes, you
will be automatically disconnected from
the site for security reasons.)
5. Making your election is a twostep process: First, select “Submit
Changes,” then “OK” to be taken to the
Confirmation Statement page.
6. If you choose not to print the confirmation
statement, you should note the
confirmation number in the top right
corner for future reference.
7. If you have a work email address, you
should receive an email confirmation
of your transaction within 24 hours. A
confirmation statement will also be mailed
to your home.
8. It is your responsibility to review the
confirmation statement to verify that your
selections have been accurately recorded.
1. Dial 800.818.2363.
2. Touch 2 for Benefits, then the pound
key (#) for Annual Enrollment.
3. Enter your Social Security number and
PIN.
4. You will be connected to a Benefits
Representative who will walk you
through the enrollment process.
5. If you have a work email address, you
should receive an email confirmation
within 24 hours. A confirmation
statement will also be mailed to your
home.
6. It is your responsibility to review the
confirmation statement to verify that
your selections have been accurately
recorded.
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6
What’s New
for 2012
Home Page
Enrolling
• Who Must Enroll
• How to Enroll
• PIN Information
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
PIN Information
Register for “Forgot Your PIN?”
If you haven’t already, you can register through BENE Online’s “Forgot your PIN?” and you’ll be
able to access your personalized benefits information and enroll in benefits even if you are unable
to remember your four-digit PIN.
To register for “Forgot your PIN?”
1. Sign on to BENE Online with your Social Security number and PIN.
Medical Coverage
2. From the home page, click on “Personal Information,” then on “Login and Site Preferences,”
and then on “Register for ‘Forgot your PIN?’”
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
3. Choose two challenge questions from the list and provide answers.
Once you’re registered, you’ll be able to sign on to BENE Online if you ever forget your PIN by
entering your Social Security number and answering the two questions you selected.
Request a PIN Reminder
If you have forgotten your PIN and you haven’t registered with “Forgot Your PIN?” you can request
a PIN reminder online or by phone:
• Online — From the BENE Online sign-on page, enter your Social Security number and then click
“Request your PIN”
• By phone — Call BENE and press 2. Then, enter your Social Security number and wait to be
prompted to press 1 for a PIN reminder.
In either case, your PIN reminder will be mailed to your home address within two business days of
your request.
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7
What’s New
for 2012
Home Page
Enrolling
• Who Must Enroll
• How to Enroll
• PIN Information
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Who You Can Enroll
As a full-time or regular part-time teammate, you can enroll yourself and your eligible
dependents. Your eligible dependents include:
• Your spouse
• Your domestic partner*
• 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
* 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.
For more information, go to the BENE Online Reading Room and review the “Benefits
Summary” section of the SunTrust Benefits Summary Plan Descriptions. Also, review
Dependent Eligibility FAQs.
Legal Notices
Extended Coverage for a 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. Beginning January 1, 2011, the Plan does not require full-time student status
as a condition of coverage for eligible dependents.
Enrolling Ineligible
Dependents
Enrolling ineligible
dependents is a violation
of the SunTrust Code of
Business Conduct and
Ethics. Any teammate
found to have enrolled
ineligible dependents may
be dropped from coverage
and permanently ineligible
from enrolling in the
SunTrust benefits plans.
The teammate may also
be subject to disciplinary
action, up to and
including termination.
SunTrust will be auditing
records to verify
dependent eligibility in
2012, so it’s important to
take a look at dependent
eligibility requirements
during enrollment and
ensure your dependents
are eligible for coverage in
2012. Review Dependent
Eligibility FAQs.
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What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Medical coverage premiums will be based on the plan features you choose, dependents you
choose to cover and your pay (base salary or benefits base) as of August 31, 2011.
Dental premiums are not changing and vision premiums are being reduced as a result of rate
renegotiation.
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
To view your premiums for 2012, visit BENE Online, click the Enroll Today button, then select
“View your Benefit Options” in the toolbox. You will see a list of your eligible coverage options
along with applicable premiums.
This approach to medical
premiums, which is used
by many employers,
helps us keep coverage as
affordable as possible for
all teammates. It is also a
step SunTrust is taking to
prepare for future changes
based on Health Care
Reform legislation.
Legal Notices
More
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9
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Tools and Resources
Tools to Help You Choose a Medical Plan
Provider Web Sites
Health and Wellness Tools and Resources
Tools to Help You Plan Your FSAs
Tools to Help You Choose a Medical Plan
Compare Health Plans
Go to BENE Online under the “Health & Welfare” tab, choose “Planning Tools” from the left and
click “Compare Health Plans” to reach the Health Plan Evaluator. The 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-of-pocket cost for the medical care you anticipate. You can visit
your current carrier’s Web site to review your current health care claims and expenses.
Here’s how to review your claims data for your current carrier:
• For Aetna, go to www.aetnanavigator.com
• For Anthem BlueCross BlueShield, go to www.anthem.com and click the “Plans & Benefits” tab
• For CIGNA, go to www.mycigna.com
•F
or the Kaiser Permanente HMO (Atlanta and DC/Baltimore areas only), go to
http://my.kp.org/SunTrust
• For UnitedHealthcare, go to www.myuhc.com
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 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. It also can help you estimate outof-pocket expenses that may be reimbursed through the Health Care FSA.
Find a Provider
Go to BENE Online under
the “Health & Welfare”
tab, choose “Planning
Tools” from the left and
click “Find a Provider”
to search for in-network
providers for the SunTrust
health care plans for
which you are eligible.
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 during Annual
Enrollment, changing
your benefit choices
within 31 days of a
qualifying life event, and
providing or correcting
information about your
dependents.
HSA Cost Calculator
HSA Cost Calculator can help you estimate your annual tax savings if you enroll in the HDHP
and set up an HSA based on your contribution and tax bracket. Remember, any wellness reward
dollars you receive from SunTrust count toward your maximum allowable contribution.
More
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What’s New
for 2012
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Home Page
Health and Wellness Tools and Resources
Owning Your Health
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:
Enrolling
Provider Web Sites
• Virgin HealthMiles, a fun, rewarding way to help you get more active. It’s kind of like a
frequent flyer program, only you earn points — called “HealthMiles” — for getting in shape or
maintaining a healthy lifestyle. The more active you are, the more HealthMiles you earn. You
can earn up to $500 per year in HealthCash. Your rewards accumulate and are distributed into
your HRA or HSA. Click here to learn more.
Find information on
coverage, claims, healthrelated topics, and
discounts available from the
carriers.
Flexible Spending
Accounts (FSAs)
• 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.
Aetna Navigator
• The Health Assessment, which gives you a personalized report showing your risk factors and
steps you can take to improve your health.
Medical Coverage
Dental Coverage
Vision Coverage
Legal Notices
• 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.
Anthem BlueCross
BlueShield
CIGNA
Express Scripts
Kaiser Permanente (Atlanta
and DC/Baltimore areas only)
UnitedHealthcare
• 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 covered family member has a chronic condition.
• There is also an Employee Assistance Program and the company pays 50% toward the cost of
various WeightWatchers options.
Tools to Help You Plan Your FSAs
Aetna FSA Calculator
Aetna’s FSA Calculator can help you determine an annual contribution amount based on your
anticipated health care and dependent care (day care) needs and see how using an FSA can help
save you money in taxes. If you enroll in the HDHP and set up an HSA, consider how the two
accounts work together when you decide whether to contribute to an FSA. See How the HSA Works
with the Health Care FSA.
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What’s New
for 2012
Home Page
Enrolling
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Medical Coverage
The options available to you are based on your home zip code and shown on BENE Online and may
include:
• Open Access HMO plan
Medical Coverage
• Comparing Plan Features
• Health Maintenance
Organizations (HMOs)
• Preferred Provider
Organizations (PPOs)
• High Deductible Health Plan
• Prescription Drug Coverage for
the Open Access HMO, PPO, and
HDHP Options
• The SunTrust Health Savings
Account (HSA)
• Terms to Know
• 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.
The following sections provide an overview of each option. To see a chart comparing features of all
the plans, click here.
Dental Coverage
Breast Reconstruction Following a Mastectomy
Vision Coverage
If you have a mastectomy, all SunTrust medical plans provide the following benefits:
Flexible Spending
Accounts (FSAs)
Details for all medical
plans are available
in the SunTrust
Benefits Summary Plan
Descriptions, which are
available in the BENE
Online Reading Room.
• Reconstruction of the breast on which the mastectomy has been performed
• Surgery and reconstruction of the other breast to produce a symmetrical appearance
There are no pre-existing
condition limitations
under any of the SunTrust
medical plans, so you
do not need to provide
a notice of creditable
coverage from your
previous plan if newly
electing medical.
• Prostheses and treatment of physical complications at all stages of mastectomy, including
lymphedemas
Legal Notices
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What’s New
for 2012
Home Page
Your 2012
Benefit Choices
Tools and
Resources
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Contact
Information
Comparing Plan Features
Open Access
HMO
Kaiser
Permanente HMO
Build-Your-Own
PPO
HDHP
YesBroad
YesLimited
YesBroad
YesBroad
Offers flexibility to use
out-of-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
Yes1
Yes1
Yes
Yes
Features copays for office visit
services
Yes
Yes
No
No
Has an annual limit on your
out-of-pocket spending
Yes2
Yes3
Yes
Yes
Covers in-network preventive
services at 100% (see
Comparing How the Plans Pay
Benefits 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
Enrolling
During the Year
Features a network of
providers
See Terms to
Know for key
definitions.
1. 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.
2. Excludes copays
3. Excludes copays and deductibles
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What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Health Maintenance Organizations (HMOs)
You have the option to enroll in the Open Access HMO. You are not required to go to a PCP first.
Teammates in Atlanta and DC/Baltimore also have the option to enroll in the Kaiser Permanente
HMO option.
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 and 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 medical services you and your family would need for
the rest of the year, other than those requiring a set copayment.
Refer to the HMO
Coverage Overview for
details on copayment,
coinsurance and outof-pocket maximum
amounts.
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. See the comparison chart on
BENE Online for more detail.
More
Legal Notices
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14
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
(continued)
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
• Guidance in 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” for more information on prescription drug benefits and your coverage options.
More
Legal Notices
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15
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
(continued)
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 teammates.
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 teammate, check out their approach to see if their
model works for you.
The Kaiser 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.
Vision Coverage
Kaiser Permanente HMO
Flexible Spending
Accounts (FSAs)
Retail (30-day supply)
Generic
$10 copay
Preferred brand-name
$25 copay
Legal Notices
Non-Preferred brand-name
$40 copay
Home Delivery (90-day supply)
Generic
$20 copay
$50 copay
$80 copay
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16
What’s New
for 2012
Home Page
Your 2012
Benefit Choices
Tools and
Resources
During the Year
HMO Coverage Overview
Contact
Information
Open Access HMO
In-Network Only
In-Network Only
Enrolling
Size of network
Broad
Limited
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Annual deductible
$150/individual
$300/family
$150/individual
$300/family
Annual out-of-pocket maximum
$2,000/individual
$4,000/family
$2,000/individual
$4,000/family
Lifetime maximum benefit
None
None
Preventive care
100%
100%
Office visits
• PCP/Physician
• Specialist
100% after:
• $25 copay
• $35 copay
100% after:
• $25 copay
• $35 copay
Hospital care
• Inpatient services
• Outpatient surgery
90% after deductible*
Emergency care
100% after $125 copay
(copay waived if admitted)** (copay waived if admitted)**
Urgent care
Lab and X-ray
100%, no deductible
100%, no deductible
Mental health/substance abuse
treatment
• Inpatient
• Outpatient
• 90% after deductible
• 100% after $25 copay
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
What the Plan Pays
* Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer
Society guidelines are covered at 100%.
** Emergency care is covered at the in-network benefit level for a life- or limb-threatening emergency.
For some covered services,
there are differences in
how the Open Access HMO,
the Kaiser Permanente
HMO Atlanta, and the
DC/Baltimore pay benefits.
See the comparison chart
on BENE Online for more
detail.
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. For a list of
recommended immunizations
and screenings based on your
age, click here.
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17
What’s New
for 2012
Home Page
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Preferred Provider Organizations (PPOs)
Enrolling
All teammates are eligible for the Preferred Provider Organization (PPO) plan.
How the PPO pays for covered services will not change for 2012.
How the PPO Option Works
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
The PPOs feature 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.
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
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-of-network 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.
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 Reasonable and Customary (R&C) allowances. After meeting your out-of-pocket
maximum for the year, eligible charges 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 on the next page. 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.
More
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18
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Your 2012
Benefit Choices
PPOs
Tools and
Resources
Flexible Spending
Accounts (FSAs)
Legal Notices
Contact
Information
(continued)
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-Pocket
Maximum
Out-of-Network
Coinsurance
Out-of-Pocket
Maximum
Option
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
Dental Coverage
Vision Coverage
During the Year
See the PPO Coverage Overview for more information.
Your prescription drug benefits are provided through Express Scripts. This coverage features
copayments and coinsurance, and an out-of-pocket maximum that is separate from the PPO
maximum. You choose from two different prescription drug levels to complete your medical
election. There are no changes to prescription drug coverage for 2012. See Prescription Drug
Coverage for the Open Access HMO, PPO and HDHP Options for more information on prescription
drug benefits and your coverage options.
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19
What’s New
for 2012
Home Page
Your 2012
Benefit Choices
Tools and
Resources
PPO Coverage Overview
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Contact
Information
PPO
In-Network
Enrolling
During the Year
Out-of-Network
(based on R&C allowance)
Annual deductible
Buy-Up:
$400/individual $800/family
Core:
$600/individual $1,200/family
Annual out-of-pocket
maximum
Buy-Up:
Buy-Up:
$3,000/individual $6,000/family $6,000/individual $12,000/family
Core:
Core:
Buy-Up:
Core:
$1,200/individual $2,400/family
Unlimited
What the Plan Pays
Preventive care
Buy-Up: 100%, no deductible
Core: 100%, no deductible
70% after deductible
Office visits
• PCP/Physician
• Specialist
Buy-Up: 90%, after deductible
Core: 80%, after deductible
Buy-Up: 90%, after deductible*
Core: 80%, after deductible*
Hospital care
Emergency care
Buy-Up: 90%, after deductible**
Core: 80%, after deductible**
70% after deductible**
Urgent care
Lab and X-ray
Mental health/substance
abuse treatment
• Inpatient
• Outpatient
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
* Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer Society guidelines are
covered at 100%.
See “About the PPO Options”
for an example of how the
build-your-own PPO works
protocols. Any eligible test
or screening to diagnose
will be covered as treatment.
For a list of recommended
immunizations and screenings
based on your age, click
here.
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20
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
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. For example, if you enroll in the PPO for teammate-only coverage:
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
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
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21
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
High Deductible Health Plan (HDHP)
The High Deductible Health Plan (HDHP) is available to eligible teammates who live in a 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.
For more about the
Health Savings Account,
click here.
About the HDHP Network
The HDHP features a network of providers.
• You can use any provider or facility you want with the HDHP.
Learn more about 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.
The HDHP — How it
Works
• 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.
About the HDHP
Deductible and Out-ofPocket Maximum
Dental Coverage
How the HDHP and PPO plans are alike
How the HDHP and PPO plans are different
HDHP Coverage
Overview
Vision Coverage
They all feature:
In the HDHP:
• Preventive care at 100%
• Coverage for a wide range of services including
hospital care, prescription drugs, mental
health, and emergency room
• The option to receive medical coverage innetwork or out-of-network, with less out-ofpocket cost when you use in-network providers
• Limits on your annual out-of-pocket cost for
care; once you meet your annual out-of-pocket
maximum, your plan pays 100% of covered
services for the rest of the plan year
• Coinsurance you pay for most services after the
deductible
• You can set up an HSA to help you pay for
deductibles and out-of-pocket expenses now
and in the future (unused funds will not be
forfeited)
• There are higher deductibles and out-of-pocket
maximums in exchange for lower per-paycheck
costs
• If you enroll dependents, the family deductible
must be met before the HDHP pays benefits for
any one individual
• Prescription drugs are treated like other medical
expenses with coinsurance subject to the same
deductible and out-of-pocket maximum as other
medical expenses.
HSA Cost Calculator
Flexible Spending
Accounts (FSAs)
Legal Notices
Qualified Medical
Expenses
More
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22
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
The HDHP — How It Works
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 In-Network Deductible*
You must meet this before the plan pays benefits,
including prescription benefits:
• $1,500 if enrolled in teammate-only coverage
• $3,000 if you enroll yourself and any dependents
(total family deductible must be met before benefits
begin for any family member)
After you meet your annual deductible
Coinsurance
The plan shares the cost by paying coinsurance:
Plan pays 90% in-network
Plan pays 70% out-of-network
Dental Coverage
You pay your share of coinsurance up to
Vision Coverage
Flexible Spending
Accounts (FSAs)
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 enrolled in teammate-only coverage
• $11,000 if you enroll yourself and any dependents
(total family out-of-pocket maximum must be met
before the plan pays 100% of eligible expenses)
Legal Notices
If you meet the annual out-of-pocket maximum
*Annual deductibles and out-of
pocket maximums shown here
apply only for in-network services.
See the HDHP Coverage Overview
for details on out-of-network
annual deductibles and out-ofpocket maximums.
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
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)
Any wellness reward dollars you
receive count toward this
maximum.
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. 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.
Once your balance reaches $3,000,
you can invest your HSA contributions
into various mutual funds.
You take your HSA account with you
when you leave SunTrust.
More
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23
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
About the HDHP Deductible and Out-of-Pocket Maximum
If you enroll in teammate-only HDHP coverage, you must meet the $1,500 deductible ($3,000 outof-network) 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
eligible expenses for the rest of the year.
If you enroll yourself and any dependents, you 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 must meet the $11,000 annual out-of-pocket
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 Dependents
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.
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.
Amy’s expenses: $850
Stella’s expenses:$0
Ron’s expenses: $600
Emily’s expenses: $0
Ben’s expenses: $1,050
Lucy’s expenses: $3,000
Rebecca’s expenses: $500
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-ofpocket expenses during
the year, the HDHP
begins paying 100% for
all family members.
Total: $3,000
More
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24
What’s New
for 2012
Home Page
Your 2012
Benefit Choices
Tools and
Resources
HDHP Coverage Overview
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Contact
Information
HDHP
In-Network
Enrolling
During the Year
Out-of-Network
Annual deductible
$1,500 — teammate-only
$3,000 — teammate and any
dependents
maximum
$11,000 — teammate and any $22,000 — teammate and any
dependents
dependents
$6,000 — teammate and any
dependents
Unlimited
What the Plan Pays
Preventive care
100%, no deductible
Office visits
• PCP/Physician
• Specialist
Hospital care
Emergency care
Urgent care
Lab and X-ray
abuse treatment
• Inpatient
• Outpatient
protocols. Any test or
screenings to diagnose
will be covered as treatment
if eligible. For a list of
recommended immunizations
and screenings based on your
age, click here.
* Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer Society guidelines are
covered at 100%.
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25
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
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 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 at BENE Online 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 brand-name medications. Under the HDHP, your prescription drug coverage is
included in your plan and subject to the same deductible and out-of-pocket maximum as with other
eligible expenses.
Open Access HMO and PPO
Buy-Up Option
Core Option
HDHP
The coinsurance
amount for brandname medications
depends on whether
the medication is on
the preferred drug list
(formulary).
It is likely that
Walgreen’s will not
participate in the
Express Scripts network
in 2012. Please consider
this as you review
potential alternative
coverage choices, such
as coverage from your
spouse’s employer.
Medical
Annual Deductible
None
None
HDHP deductible applies
Legal Notices
Annual Out-of-Pocket Maximum
$1,500 per person
$3,000 per person
HDHP out-of-pocket maximum applies
Generic
$5 copay
$10 copay
10%, no max*
30%, max $95
40%, max $115
10%, no max*
40%, max $125
50%, max $135
20%, no max*
Generic
$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*
Retail (30-day supply)
Home Delivery (90-day supply)
* Subject to medical/prescription drug out-of-pocket maximum.
More
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26
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Your 2012
Benefit Choices
Tools and
Resources
Contact
Information
Prescription Drug Coverage for the Open Access HMO, PPO
and HDHP Options (continued)
Step Therapy Program
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.
If you do not participate
in Step Therapy when
required, a brand name
drug will not be covered.
You are required to participate in the Step Therapy program for all the classes of medications
listed below.
• Proton pump inhibitors
• Non-sedating antihistamines
• Avodart for BPH
• ARB’s, ACE’s, Calcium
Channel Blockers and Beta
Blockers to treat high blood
pressure
• Hypnotics for sleep aid
• Fenofibrate for cholesterol
• Antivirals
• Januvia and
Thiazolidinedione (TZD) for
diabetes
• Brand NSAID’s & COX2’s for
pain and inflammation
Vision Coverage
• Leukotriene inhibitors for
asthma
Flexible Spending
Accounts (FSAs)
• HMG Enhanced for
cholesterol
• SSRI’s and other
antidepressants
During the Year
• Topical immunondulators
(eczema)
• Bisphosphonates for
osteoporosis
• Lyrica for seizures and nerve
pain
• Nasal Steroids for allergy
• Topical Corticosteroids for
inflammatory skin conditions
• Xopenex for asthma
• Overactive bladder
medications
• Tekturna for hypertension
Legal Notices
Specialty Medications through CuraScript
If you take any oral or injectable specialty medications, including self-administered 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.
More
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27
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
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 and should be
taken into account when setting money aside for a Health Care Flexible Spending Account.
• 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. It can also help you estimate your outof-pocket prescription drug expenses for purposes of deciding how much to contribute to a
Health Care FSA.
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.
Sign up for Home
Delivery or call
888.772.5188 to opt
out of this program.
If you have questions,
call Express Scripts at
888.772.5188.
Legal Notices
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28
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
The SunTrust Health Savings Account (HSA)
When you enroll in the HDHP, you have the choice to establish an HSA as a way to save money,
through pre-tax payroll deductions if desired, to pay for qualified expenses — either now or for
future expenses.
SunTrust offers our own HSA product to HDHP participants — and for SunTrust teammates, the
set up and monthly fees are waived. The SunTrust HSA works much like a 401(k) for health care
expenses. You contribute pre-tax dollars and use those dollars to pay for out-of-pocket health
care expenses tax-free, like your deductible and coinsurance. You decide how to use your HSA
funds, and any funds you don’t use during the year are rolled over — building an account you
can use for future health care expenses. In fact, you can use the money in your HSA to pay for
retiree medical premiums or any eligible out-of-pocket medical expenses in the future — even if
you are no longer covered by a SunTrust medical plan.
The SunTrust HSA offers:
• Convenient pre-tax payroll deductions
• 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 balance
reaches $3,000
• Online access to account balances, transaction history, and decision support tools
• Customer service 24/7 through a toll-free number
Contributing to the HSA
When you enroll in the SunTrust HSA, your contributions can be deducted from your paycheck
on a pre-tax basis. (HSA contributions, interest, and investment income are subject to state
income tax in Alabama, California, New Jersey, and Wisconsin. Teammates who pay state taxes in
these states should consult their tax advisors.) You may contribute any amount to the HSA, up to
federal limits — $3,100 for individual 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. Go to the HSA Cost Calculator to estimate your tax savings.
Remember, you can use the money you contribute to your HSA to pay for qualified medical
expenses, including your deductible and coinsurance. Consider contributing the amount you save
in premiums to the HSA. That way, you’ll save taxes on out-of-pocket expenses you do have, and
you can roll over any money remaining in your account for future medical expenses.
Only charges incurred on or after your HSA is open are eligible for reimbursement.
More
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.
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29
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
The SunTrust HSA (continued)
If you receive wellness reward dollars from SunTrust, those dollars that are added to your
account count toward the HSA limit. For example, assume you have teammate only coverage
and earn $200 in wellness reward dollars, you can contribute up to an additional $2,900 to
an HSA.
If you enroll in the HDHP,
you must set up an HSA
to receive wellness
reward dollars.
Here’s how it works:
2012 maximum contribution for individual coverage: $3,100
SunTrust wellness reward dollars:
- $200
$2,900
Maximum you can
contribute to HSA in 2012
You can change your HSA contribution amount at any time.
You can set up an HSA at any time during the year. However, in order to contribute pre-tax through
payroll deduction and be able to use your account for eligible expenses you have beginning
January 2012, you must enroll for an HSA through BENE Online during Annual Enrollment.
If you don’t open an HSA at the time of enrollment, you can log back into BENE Online at a later
time to enroll in a SunTrust HSA and set up pre-tax payroll contributions. You also can choose to
set up an HSA with a different financial institution later, contribute with after-tax funds, and claim
a deduction on your 2012 taxes. Only charges incurred on or after your HSA is open are eligible for
reimbursement.
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 and out-ofpocket maximum.
SunTrust Healthcare Payment Card
When you enroll for an 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.
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
More
used to pay eligible expenses and you should always save your receipts.
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.
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30
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Vision Coverage
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
The SunTrust HSA (continued)
How the HSA Works with the Health Care FSA
You can choose to contribute to both an HSA and a Health Care FSA. The expenses that can
be reimbursed through the Health Care FSA are more limited when you contribute to the HSA
because your HSA reimburses you for most eligible health care expenses.
Here are the IRS regulations you need to be aware of:
• You cannot use funds from your Health Care FSA to reimburse yourself for medical expenses
until you meet your HDHP deductible. You may only use the Health Care FSA to reimburse
yourself for eligible dental and vision expenses during this time.
• Once you meet your HDHP deductible, you can use your Health Care FSA to reimburse
yourself for eligible medical expenses, such as coinsurance, as long as those expenses are not
reimbursed by your HSA.
• Over-the-counter (OTC) medications are no longer eligible for reimbursement due to Health
Care Reform legislation. The only exceptions to this are OTC medications with a provider
prescription and insulin.
It’s important to
carefully consider your
costs when deciding
how much to contribute
to a Health Care FSA,
because the FSA can only
be used to cover dental
and vision expenses until
the full HDHP deductible
has been satisfied. You
forfeit any funds left
in your account after
the claim deadline. Any
contributions to an HSA
are yours to use from
year to year.
Flexible Spending
Accounts (FSAs)
Legal Notices
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31
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
HDHP Options
Account (HSA)
• Terms to Know
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
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 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
the Open Access HMO or Kaiser Permanente HMO options or costs for prescription drugs unless you
are in the HDHP. For Kaiser, the deductible is also not included.
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.
Dependent Care (Day Care) Flexible Spending Account (FSA), administered by Aetna, lets you
save on taxes by setting aside pre-tax dollars to pay for eligible dependent care expenses.
Health Care Flexible Spending Account (FSA), administered by Aetna, lets you save on taxes by
setting aside pre-tax dollars to pay for eligible health care expenses.
Health Care Reimbursement Arrangement (HRA), administered by Aetna, is an account set up for
non-HDHP plan participants for wellness incentives earned through the Virgin HealthMiles program.
Health Savings Account (HSA) — If you enroll in the HDHP, you can set up an HSA. You contribute
pre-tax dollars to the account and use those dollars to pay for eligible out-of-pocket health care
expenses tax-free. Any interest or investment earnings you receive in the account are also taxfree if used 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-of-network services are not covered by the Open Access HMO or Kaiser
Permanente HMO except in life-threatening medical emergencies.
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32
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
• Dental Benefits At-a-Glance
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Dental Coverage
Depending on your home zip code, you have a choice of either two or three dental plans for 2012:
• The CIGNA Basic option
• The CIGNA Plus option
• The CIGNA Dental HMO (if you live in a CIGNA Dental HMO network area)
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 R&C.
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 an in-network general dentist who provides routine, basic
care and refers you to specialty dentists when necessary. The plan pays benefits only when your
in-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,
which is updated for 2012 and 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 in-network general dentist to have care covered by the plan.
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.
Network Alternative
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. See the
Contact Information tab for information on locating these providers.
More
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What’s New
for 2012
Home Page
Enrolling
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Dental Benefits At-a-Glance
Here is an overview of all three dental plan options. For the CIGNA Basic and Plus options, pretreatment estimates are recommended for procedures expected to exceed $200 to ensure that
services are covered. Go to BENE Online to see your cost for dental coverage.
Medical Coverage
CIGNA Basic*
CIGNA Plus*
CIGNA Dental HMO
Annual deductible
$50 per person
$150 per family
$50 per person
$150 per family
None
Vision Coverage
Annual maximum benefit
$500 per person
$1,500 per person
Unlimited
Flexible Spending
Accounts (FSAs)
What the Plan Pays
Preventive care
(cleanings, diagnostic
X-rays)
100%
100%
Costs based on patient
charge schedule**
Basic care (fillings,
periodontal care, root
canals)
charge schedule**
Major care
(crowns, bridges)
Not covered
charge schedule**
Orthodontia
Not covered
50%, no deductible
$1,500 lifetime maximum
charge schedule**
Dental Coverage
• Dental Benefits At-a-Glance
Legal Notices
* 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 schedule is available at BENE Online.
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34
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
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. Go to BENE Online for your cost for vision
coverage.
Flexible Spending
Accounts (FSAs)
Service
In-Network
Out-of-Network
How Often Covered
Routine eye exam
Up to $40 allowance
Once every calendar
year
Legal Notices
Lenses
Allowance:
• Single vision: Up to $40
• Bifocal: Up to $60
• Trifocal: Up to $80
• Lenticular: Up to $80
Once every calendar
year
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
Once every calendar
year
Optional Items Not
Covered
Certain optional items,
such as scratch-guard
coating and progressive
lenses, are not covered
under the plan and are
your responsibility to
pay.
* 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 at discounted rates from any Laser Vision Network of America (LVNA)
provider location nationwide.
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35
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
• The Health Care FSA
• The Dependent Care
(Day Care) FSA
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Flexible Spending Accounts (FSAs)
The Health Care and Dependent Care (Day Care) Flexible Spending Accounts (FSAs), administered
by Aetna, let you save on taxes while paying for eligible health care and dependent care expenses.
How the FSAs Work
When you enroll in either FSA, you decide how much to contribute to each account by estimating
your eligible expenses for the upcoming year. Your contributions are taken from your pay before
federal income and Social Security taxes are deducted from your paycheck. In many cases, you
also avoid state and local income taxes.
Pre-tax deductions lower your taxable income and reduce the amount you pay in taxes each year.
When you have an eligible expense, you can use your tax-free dollars from your account to cover
the expense.
Health Care FSA
Dependent Care (Day Care) FSA
Eligible
Expenses:
Expenses that are not paid for by
other medical, prescription, dental,
or vision plans and are considered tax
deductible by the IRS. Includes:
• Copayments, coinsurance, and
deductibles you pay out-of-pocket
for the medical, prescription drug,
dental and vision plans
• Eye examinations, contact lenses,
eye glasses, and frames
• Over-the-counter medications with
a prescription and insulin
Expenses for the care of eligible
dependents — those who you claim
as dependents on your federal tax
return — only. Includes:
• Children under age 13
• Dependents who are mentally or
physically disabled, normally spend
at least eight hours in your home
each day, and need supervised care
while you work
Contributions:
Up to $5,000
Up to $5,000 (or $2,500 if you are
married and file separate tax returns)
Deadline
to incur
expenses:
March 15, 2013 (if you are
contributing as of December 31,
2012)
December 31, 2012
Legal Notices
Deadline to
submit claims:
May 31, 2013 for either account
Keep in mind that these are
two separate accounts. You
cannot transfer funds from
one account to the other.
More
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36
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
(Day Care) FSA
Legal Notices
Your 2012
Benefit Choices
FSAs
Tools and
Resources
During the Year
Contact
Information
(continued)
Filing FSA Claims
You may request reimbursement for eligible expenses by filing a claim. You can download claim
forms from Aetna NavigatorTM or BENE Online. You can also enroll for FSA Direct Deposit so that
reimbursement payments are made directly to your savings or checking account. If you are not
currently enrolled in direct deposit and wish to enroll for 2012, visit www.aetnanavigator.com.
If you enroll in a medical or dental plan (except the Kaiser Permanente HMO), or have Express
Scripts prescription drug coverage, you can also choose streamlining, which means that
any eligible expenses not paid by your medical plan are sent automatically to your FSA for
reimbursement. Sign up at www.aetnanavigator.com.
The minimum reimbursement amount you can receive from either FSA is $15. With the Dependent
Care (Day Care) FSA, you may request reimbursement only up to the amount you actually have
in your account at the time you file your claim. With the Health Care FSA, you may request
reimbursement for amounts up to your total Health Care FSA election for the year even if you do
not yet have that much in your account at the time you file the claim.
Tracking Your Account Activity
When you participate in an FSA, you receive semi-annual activity statements from Aetna that
show your account balance and payments made. You can also use Aetna NavigatorTM to keep
track of claims and account balances.
Plan Carefully — IRS Rules Apply
Keep these facts in mind as you decide how much to contribute to either or both FSAs:
• You must use all of the money in your FSA for expenses you have while you are contributing
to your FSA. You forfeit any money left in your account at the deadline (once you have
submitted all your claims for the year). You have until May 31, 2013 to submit eligible 2012
expenses.
• You cannot change your FSA contribution amounts during the year unless you have a qualified
life event.
• You may not transfer money between FSAs. Money in your Health Care FSA cannot be used to
reimburse dependent care expenses, and vice versa.
For the Health Care FSA, you must be contributing to the account at the time you receive
services for related charges to be eligible for reimbursement.
More
Put Your Money Where You
Need It!
It’s important to understand
what expenses are eligible
under each FSA so that
you can make sure you’re
contributing the right
amounts to the right FSAs.
For instance, if you want
to use an FSA to reimburse
yourself for dependent health
care expenses, you’d need
to know that those expenses
can be reimbursed only
through the Health Care FSA
— not the Dependent Care
(Day Care) FSA.
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37
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
The Health Care FSA
You can contribute up to $5,000 per year to your Health Care FSA to pay for eligible out-of-pocket
medical, prescription, dental, and vision care expenses for you and your eligible dependents.
Eligible dependents are your legal spouse and anyone you can claim as a legal dependent on your
federal tax return.
Dental Coverage
The Health Care FSA and the HSA
Vision Coverage
If you enroll in the Health Care FSA and also enroll in the HDHP and contribute to a Health
Savings Account (HSA), the FSA can only be used for vision and/or dental expenses until the
HDHP deductible has been met. Once the deductible is met, the FSA can be used for all
eligible expenses.
Flexible Spending
Accounts (FSAs)
(Day Care) FSA
The Health Care FSA can be used to pay for:
The Health Care FSA CANNOT be used to pay
for:
• Acupuncture
• Chiropractic services
• Crutches and wheel chairs
• Dentures
• Eye examinations, contact lenses and
solution, eyeglasses and frames
• Hearing aids
• Lamaze classes
• Laser eye surgery
• Mental health and substance abuse
treatment
• Orthodontia
• Copayments, coinsurance, and deductibles
you pay out of your pocket for the
medical, prescription drug, dental,and
vision plans
• Over-the-counter (OTC) medications with
a prescription or insulin
•
•
•
•
Legal Notices
You must use the money
in your Health Care
FSA before using any
wellness reward dollars
you earn. Your FSA
money cannot be rolled
over from year to year if
you don’t use it, while
wellness rewards can be
rolled over, as long as
you remain employed by
SunTrust.
Elective cosmetic surgery
OTC medications without a prescription
Exercise equipment
Expenses claimed as a deduction or credit
for federal or state income tax purposes
• Funeral or burial expenses
• Health club dues
• Premiums for medical, dental, or
vision plans
For a more detailed list of eligible and noneligible expenses, click here.
Use Aetna’s FSA Calculator to help determine
an annual contribution amount based on your
anticipated health care needs and see how using
an FSA can help save you money in taxes.
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38
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
(Day Care) FSA
Legal Notices
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
The Dependent Care (Day Care) FSA
You may contribute up to $5,000 (or up to $2,500 if you are married and you and your spouse file
separate tax returns) to the Dependent Care (Day Care) FSA to reimburse yourself for dependent
care expenses you have so that you — or, if you are married, you and your spouse — can work. You
may also use the account if your spouse is disabled or a full-time student for at least five months
of the year.
The Dependent Care (Day Care) FSA can only be used to reimburse expenses for the care of
eligible dependents. Eligible dependents include your children under age 13 whom you claim as
dependents on your federal tax return and any other dependents you claim on your federal tax
return who are mentally or physically disabled, normally spend at least eight hours in your home
each day, and need supervised care.
Any expenses paid through the Dependent Care (Day Care) FSA reduce the amount you are eligible
to receive under the federal childcare tax credit. If you are considering enrolling in the Dependent
Care (Day Care) FSA for 2012, take the time to compare the tax benefits of the FSA and the federal
childcare tax credit to determine which works best for you.
The Dependent Care (Day Care)
FSA can be used to pay for:
The Dependent Care (Day Care)
FSA CANNOT be used to pay for:
• Services provided by babysitters or
caregivers, including your relatives whom
you do not claim as exemptions on your
federal tax return
• Expenses for a housekeeper whose services
include care of an eligible dependent
• Services provided by a licensed elder
care center, childcare center, or nursery
school
• Social Security and other taxes you pay
a caregiver
• Health care expenses for a dependent child or
adult
• Child support payments
• Food, clothing, and entertainment
• Overnight camps
• Extracurricular activities
• Private school
Bright Horizons
provides a back-up
when your regular care
arrangements are not
available — whether you
have a sick child or adult
dependent, there’s a
school closing, you need
to travel on business, or
your stay-at-home spouse
has an appointment. Find
out more on the Bright
Horizons site.
For a more detailed list of eligible and noneligible expenses, click here.
Use Aetna’s FSA Calculator to help determine
an annual contribution amount based on your
anticipated dependent care (day care) needs and
see how using an FSA can help save you money in
taxes.
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39
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
• Long-Term Disability
Legal Notices
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
SunTrust offers you several ways to help provide financial security for you and your loved ones in
the case of unforeseen events.
SunTrust provides short-term disability (STD) which pays benefits of 100% or 60% of pay for eligible
teammates, for up to 180 days. In addition, for full-time teammates who have completed at least
six months of service, SunTrust provides basic long-term disability (LTD) coverage which pays
benefits after STD coverage ends. Basic LTD provides a benefit of 50% of base pay or benefits base
at no cost to you.
During Annual Enrollment, full-time teammates who will have completed at least six months of
service by January 1 can increase LTD benefits by choosing supplemental long-term disability (LTD)
coverage of 60% or 70% of base pay or benefits base when combined with basic LTD. You pay for
supplemental LTD with after-tax dollars. Learn more about LTD coverage.
In addition to disability coverage, SunTrust offers:
• Basic Life and Accidental Death & Dismemberment (AD&D) Insurance at no cost to you
• Business Travel Accident Insurance at no cost to you
• Group Universal Life (GUL) and Voluntary AD&D Insurance (you pay the cost at group rates and
can apply at any time; may be subject to underwriting)
For more information on all your income protection benefits, refer to the SunTrust Benefits
Summary Plan Descriptions in the BENE Online Reading Room or call the plan member
services number.
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40
What’s New
for 2012
Home Page
Enrolling
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Long-Term Disability (LTD) coverage is available to all full-time teammates once they have
completed six months of employment with SunTrust.
Medical Coverage
Dental Coverage
To enroll for Supplemental LTD during Annual Enrollment, you must have started work with
SunTrust on or before 6/30/2011 to meet the six-month eligibility requirement, and you
must be full-time for coverage to be effective 1/1/2012.
Vision Coverage
Flexible Spending
Accounts (FSAs)
SunTrust offers three levels of LTD coverage — basic coverage provided by the Company and two
supplemental coverage options you can choose to purchase. Here is an overview of coverage.
Basic LTD
Benefit
Legal Notices
Supplemental LTD
• Provided by SunTrust at no cost • Optional coverage you can choose
to purchase to increase your LTD
to you
• Pays a benefit of 50% of base
benefit
pay or benefits base
• Choose:
— 60% of base pay or benefits base
— 70% of base pay or benefits base
...when combined with basic
LTD
The maximum monthly amount benefit for basic and supplemental LTD:
Annual salary (up to $245,000 in 2011) times percentage elected (50%,
60% or 70%) divided by 12
When Benefits Begin
After 180 days of disability — if approved (Note: You must be receiving
short-term disability benefits the day before your LTD effective date.)
How Long Benefits
Continue
Generally, until you are no longer disabled or age 65, whichever is
earlier
More
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41
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
(continued)
Your Cost for Supplemental Coverage
Your 2012 cost for coverage is based on your pay as of August 31, 2011, and the level of
supplemental coverage you choose — 60% or 70%. You can go to BENE Online to see your per pay
period premium.
Your premium will not change during the calendar year, even if your base pay or benefits base
changes. Premium deductions will stop only if your status changes to make you ineligible for LTD
coverage. If you become disabled, your LTD benefit will be based on the greater of your pay right
before disability begins or pay used to determine your premium.
Supplemental coverage
cannot be added, changed
or stopped during the
year, even if you have a
qualified life event.
If you enroll in supplemental LTD coverage, you pay your share of the cost with after-tax dollars.
Pre-Existing Conditions and LTD Coverage
You are not required to provide evidence of good health to enroll in LTD coverage and there is
no pre-existing condition limitation for basic LTD. There is a pre-existing condition limitation,
however, for supplemental LTD. LTD benefits aren’t payable for a disability caused by a preexisting condition until you have been covered 12 months or you’ve been without treatment
(including prescription drugs) for the pre-existing condition for three months.
If you are on leave, you must participate in Annual Enrollment if you want to purchase
supplemental coverage. However, if you are on leave January 1, 2012, your election will not go
into effect until you return from leave.
See the LTD Summary Plan Description at BENE Online for more information. Choose the Reading
Room tab and click SunTrust Summary Plan Descriptions.
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42
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Employee Assistance Program (EAP)
The Employee Assistance Program (EAP) is provided free of charge to all SunTrust
teammates. The EAP offers free, confidential, short-term 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.
Go to
www.guidanceresources.com
(ID “SunTrustCares”)
or call 877.369.1785.
You can also use ComPsych® to find appropriate child care as well as resources to meet
the needs of aging parents. This resource and referral service helps you explore options,
find background information, and identify resources for choosing day care and/or finding
elder care providers.
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
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43
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Making Benefit Changes During the Year
In general, the benefits you choose during Annual Enrollment will stay in effect through
December 31. Because you pay for coverage with pre-tax dollars, the SunTrust Health and
Welfare Plan is bound by IRS restrictions on changes to your medical, dental, or vision coverage,
or your FSA selections 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 get married, you
can add your spouse to your health coverage. You can also make a change if you have a HIPAA
Special Enrollment event, such as gaining a new dependent as the result of marriage, birth,
adoption or placement for adoption, or you decline SunTrust coverage because of other group
coverage and you lose eligibility for that coverage. Any changes to your benefits choices must
be made within 31 days of the date of the event.
Qualified life events include:
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
• 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
You can change or stop your pre-tax HSA contributions at any time, for any reason.
Your supplemental LTD election cannot be changed during the year. The only exception is if you
change to a status other than full-time.
To notify SunTrust of any qualifying events and to make changes during the year, you can visit
BENE Online or contact BENE at 800.818.2363, select option 2, and speak with a Benefits
Representative between 8:30 a.m. and 5:30 p.m. (ET) Monday through Friday.
Teammates 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 Legal Notices
for more about Medicaid and
CHIP coverage.
A complete list of qualified life events is located in the “Benefits Summary” section of the
SunTrust Benefits Summary Plan Descriptions in the BENE Online Reading Room.
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44
What’s New
for 2012
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Grandfathered Status Under Health Care Reform
SunTrust believes this Health and Welfare Plan is a “grandfathered health plan” under the Patient Protection and
Affordable Care Act (the Affordable Care Act), except for the Kaiser Permanente HMO. As permitted by the Affordable
Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that law
was enacted. Being a grandfathered health plan means that your plan may not include certain provisions of the Affordable
Care Act that apply to other plans, for example, the requirement for the provision of preventive health services without
any cost sharing. However, grandfathered health plans must comply with certain other provisions in the Affordable Care
Act, for example, the elimination of lifetime limits on benefits.
Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and
what might cause a plan to change from grandfathered health plan status can be directed to BENE at 800.818.2363.
You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at 1-866-444-3272 or
www.dol.gov/ebsa/healthreform.
Legal Notices
• Grandfathered Status Under
Health Care Reform
• Medicaid and the Children’s
Health Insurance Program
(CHIP)
• Notice About Prescription Drugs
and Medicare
• Privacy Notice
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45
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Health Care Reform
(CHIP)
and Medicare
• Privacy Notice
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
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.
ALABAMA – Medicaid
Website: http://www.medicaid.alabama.gov
Phone: 1-800-362-1504
ARKANSAS – CHIP
Website: http://www.arkidsfirst.com/
Phone: 1-888-474-8275
ALASKA – Medicaid
Website: http://health.hss.state.ak.us/dpa/programs/
medicaid/
Phone (Outside of Anchorage): 1-888-318-8890
Phone (Anchorage): 907-269-6529
ARIZONA – CHIP
Website: http://www.azahcccs.gov/applicants/default.aspx
Phone: 1-877-764-5437
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: 303-866-3243
More
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46
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Health Care Reform
(CHIP)
and Medicare
• Privacy Notice
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
FLORIDA – Medicaid
Website: http://www.fdhc.state.fl.us/Medicaid/index.shtml
Phone: 1-877-357-3268
MAINE – Medicaid
Website: http://www.maine.gov/dhhs/oms/
Phone: 1-800-321-5557
GEORGIA – Medicaid
Website: http://dch.georgia.gov/
Click on Programs, then Medicaid
Phone: 1-800-869-1150
MASSACHUSETTS – Medicaid and CHIP
Medicaid & CHIP Website: http://www.mass.gov/MassHealth
Medicaid & CHIP Phone: 1-800-462-1120
IDAHO – Medicaid and CHIP
Medicaid Website: www.accesstohealthinsurance.idaho.gov
MINNESOTA – Medicaid
Website: http://www.dhs.state.mn.us/
Click on Health Care, then Medical Assistance
Phone: 800-657-3739
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
MISSOURI – Medicaid
Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm
Phone: 573-751-2005
IOWA – Medicaid
Website: www.dhs.state.ia.us/hipp/
Phone: 1-888-346-9562
MONTANA – Medicaid
Website: http://medicaidprovider.hhs.mt.gov/clientpages/
clientindex.shtml
Phone: 1-800-694-3084
KANSAS – Medicaid
Website: https://www.khpa.ks.gov
Phone: 1-800-792-4884
NEBRASKA – Medicaid
Website: http://www.dhhs.ne.gov/med/medindex.htm
Phone: 1-877-255-3092
KENTUCKY – Medicaid
Website: http://chfs.ky.gov/dms/default.htm
Phone: 1-800-635-2570
NEVADA – Medicaid and CHIP
Medicaid Website: http://dwss.nv.gov/
CHIP Website: http://nevadacheckup.state.nv.us
CHIP Phone: 1-877-543-7669
LOUISIANA – Medicaid
Website: http://www.lahipp.dhh.louisiana.gov
Phone: 1-888-342-6207
More
NEW HAMPSHIRE – Medicaid
Website: http://www.dhhs.nh.gov/ombp/index.htm
Phone: 603-271-4238
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47
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Health Care Reform
(CHIP)
and Medicare
• Privacy Notice
Your 2012
Benefit Choices
Tools and
Resources
During the Year
NEW JERSEY – Medicaid and CHIP
Medicaid Website: http://www.state.nj.us/humanservices/
dmahs/clients/medicaid/
Contact
Information
PENNSYLVANIA – Medicaid
Website: http://www.dpw.state.pa.us/partnersproviders/
medicalassistance/doingbusiness/003670053.htm
Phone: 1-800-644-7730
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
RHODE ISLAND – Medicaid
Website: www.dhs.ri.gov
Phone: 401-462-5300
NEW YORK – Medicaid
SOUTH CAROLINA – Medicaid
Website: http://www.nyhealth.gov/health_care/medicaid/
Phone: 1-800-541-2831
Website: http://www.scdhhs.gov
Phone: 1-888-549-0820
NORTH CAROLINA – Medicaid
TEXAS – Medicaid
Website: http://www.nc.gov
Phone: 919-855-4100
Website: https://www.gethipptexas.com/
Phone: 1-800-440-0493
NORTH DAKOTA – Medicaid
UTAH – Medicaid
Website: http://www.nd.gov/dhs/services/medicalserv/
medicaid/
Phone: 1-800-755-2604
Website: http://health.utah.gov/upp
Phone: 1-866-435-7414
OKLAHOMA – Medicaid
VERMONT– Medicaid
Website: http://www.insureoklahoma.org
Phone: 1-888-365-3742
Website: http://ovha.vermont.gov/
Telephone: 1-800-250-8427
OREGON – Medicaid and CHIP
Medicaid & CHIP Website:
http://www.oregonhealthykids.gov
Medicaid & CHIP Phone: 1-877-314-5678
VIRGINIA – Medicaid and CHIP
Medicaid Website: http://www.dmas.virginia.gov/rcp-HIPP.htm
More
CHIP Website: http://www.famis.org/
CHIP Phone: 1-866-873-2647
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48
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Health Care Reform
(CHIP)
and Medicare
• Privacy Notice
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
WASHINGTON – Medicaid
WISCONSIN – Medicaid
Website: http://hrsa.dshs.wa.gov/premiumpymt/Apply.shtm Website: http://www.badgercareplus.org/pubs/p-10095.htm
Phone: 1-800-562-3022 x 15473
Phone: 1-800-362-3002
WEST VIRGINIA – Medicaid
Website: http://www.wvrecovery.com/hipp.asp
Phone: 304-342-1604
WYOMING – Medicaid
Website: http://www.health.wyo.gov/healthcarefin/index.html
Phone: 307-777-7531
To see if any more States have added a premium assistance program since January 31, 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)
U.S. Department of Health and
Human Services
Centers for Medicare & Medicaid Services
www.cms.hhs.gov
1-877-267-2323, Ext. 61565
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49
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Health Care Reform
(CHIP)
and Medicare
• Privacy Notice
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
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.
More
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50
What’s New
for 2012
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Health Care Reform
(CHIP)
and Medicare
• Privacy Notice
(continued)
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 Annual 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.
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.
More
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51
What’s New
for 2012
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Home Page
Enrolling
Medical Coverage
Dental Coverage
(continued)
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:
Vision Coverage
• Visit www.medicare.gov
Flexible Spending
Accounts (FSAs)
• 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.
Legal Notices
Health Care Reform
(CHIP)
and Medicare
• Privacy Notice
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.
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.
More
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52
What’s New
for 2012
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Privacy Notice
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.
Legal Notices
Health Care Reform
(CHIP)
and Medicare
• Privacy Notice
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53
What’s New
for 2012
Home Page
Enrolling
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Contact Information
This enrollment guide provides highlights of your 2012 SunTrust Benefit Plans. If you have questions that are not
answered in this guide, use these online resources and telephone numbers to get answers.
For questions about…
Go online to…
Or call…
Medical Coverage
Aetna — Medical
www.aetna.com
www.aetnanavigator.com (member information)
800.835.6167
Vision Coverage
Aetna Flexible Spending Accounts/
Health Reimbursement Accounts
www.aetnanavigator.com
888.238.6226, fax 888.238.3539
Flexible Spending
Accounts (FSAs)
Anthem BlueCross BlueShield —
Medical
www.anthem.com
800.628.3988
BENE — Enrolling for benefits
https://www.benefitsweb.com/suntrust.html
800.818.2363 (TDD: 800.811.8565)
Bright Horizons
www.brighthorizons.com/advantage
(user name “SunTrust”; password “BrightHorizons”)
877.BH.CARES
(877.242.2737)
CIGNA — Dental
www.mycigna.com
800.769.2116
CIGNA — Medical
www.mycignaplans.com
Open Enrollment ID: SunTrust2012
Open Enrollment Password: cigna
800.769.2116
Employee Assistance Program (EAP)
www.guidanceresources.com
(use ID “SunTrustCares”)
877.369.1785
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)
Health Savings Account
www.connectyourcare.com/suntrustpf/
866.442-1313
Kaiser Permanente Atlanta HMO
Kaiser Permanente DC/Baltimore HMO
For both locations:
http://my.kp.org/SunTrust
404.365.4110 (Atlanta)
877.218.7739 (DC/Baltimore)
Sparkfly
Available from BENE Online or via the SunTrust
intranet SunPerks site
800.687.2359
SunTrust’s Medicare supplement plans
https://member-fhs.umr.com
800.430.4308
UnitedHealthcare — Medical
Pre-enrollment website:
www.myuhc.com/groups/suntrustbank
877.885.8454
UnitedHealthcare Vision plan
www.myuhcspecialtybenefits.com
800.638.3120 (member services)
800.839.3242 (for in-network
providers)
Dental Coverage
Legal Notices
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54
What’s New
for 2012
Home Page
Enrolling
Medical Coverage
Your 2012
Benefit Choices
Tools and
Resources
Any medical, dental, or
vision plan
BENE Online at https://www.benefitsweb.com/suntrust.html
Provider lookup is under Health & Welfare in the “Planning Tools”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
Select “Find a Doctor” and hit “Go”
Select “Search the National BlueCard Network” and hit “Next”
Until you get your ID card, select “PPO” under “Guests” and hit “Next”
CIGNA medical plans
www.mycignaplans.com
Open Enrollment ID: SunTrust2012
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
medical plans
wwww.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.
UnitedHealthcare medical plans
www.myuhc.com/groups/suntrustbank
Select “Find Physician and Facilities”
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Contact
Information
Finding In-Network Providers
Dental Coverage
During the Year
More
Previous page
Next page
55
What’s New
for 2012
Home Page
Enrolling
Your 2012
Benefit Choices
Tools and
Resources
CIGNA dental plans
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 (available for CIGNA Basic and Plus plans):
Select “Out-of-network savings program” (secondary network and can be used if
you are unable to locate a provider in the Radius Network)
UnitedHealthcare Vision plan
https://www.myuhcvision.com/members/index.jsp
Select “Provider Locator”
Select current or future member and enter the requested information
Medical Coverage
Dental Coverage
Vision Coverage
Contact
Information
Finding In-Network Providers
Flexible Spending
Accounts (FSAs)
During the Year
Legal Notices
Previous page
Next page
56
What’s New
for 2012
Home Page
Enrolling
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
SunTrust Benefits Summary Plan Descriptions (SPDs) are available in the BENE Online Reading
Room. The SPDs give more details about the SunTrust plans and how they work.
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Legal Notices
Previous page
Next page
57
What’s New
for 2012
Your 2012
Benefit Choices
Tools and
Resources
During the Year
Contact
Information
Comparing the Medical Plans
HMO
In-Network Only
PPO
In-Network
HDHP
Out-of-Network
Annual deductible
$150/individual
$300/family
Buy-Up:
$400/individual $800/family
Core:
maximum
$2,000/individual
$4,000/family
Buy-Up:
Buy-Up:
$3,000/individual $6,000/family $6,000/individual $12,000/family $11,000 — teammate and
any dependents
Core:
Core:
Buy-Up:
Core:
$1,200/individual $2,400/family
In-Network
$3,000 — teammate and
any dependents
Out-of-Network
any dependents
any dependents
Unlimited
What the Plan Pays
Preventive care
100%
Buy-Up: 100%, no deductible
Core: 100%, no deductible
100%, no deductible
Office visits
• PCP/Physician
• Specialist
100% after:
• $25 copay
• $35 copay
Hospital care
Buy-Up: 90%, after deductible*
Core: 80%, after deductible*
Emergency care
(copay waived if
admitted)**
Buy-Up: 90%, after deductible**
Core: 80%, after deductible**
Urgent care
Lab and X-ray
100%, no deductible
abuse treatment
• Inpatient
• Outpatient
* Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer Society guidelines are covered at 100%.
Previous page
58

Making Good Choices for Your 2012 Benefits

Transcription

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