Making Good Choices for Physical and Financial

Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Tools and
Resources
Making Benefit Changes
During the Year
Enrolling
What’s New
Medical Coverage
A New Approach to Health Care
Home Page
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Contact
Information
In 2013, we’re taking the first steps in a new approach to health care with changes to our
medical plan options. At the heart of this approach is a One Team partnership: SunTrust
provides comprehensive benefits and invest in programs to help you improve your health and
financial well-being, and you choose your medical plan wisely and take steps to be healthy
throughout the year.
The new approach focuses on medical choices featuring accounts for healthcare expenses. You
can earn rewards in your account if you enroll in one of the account-based plans for 2013 (the
HDHP or the PPO). The HMO option is only available for one more year and only to those who
are currently enrolled in an HMO.
Updated Medical Choices
Your choice of medical plans for 2013 are:
•The High Deductible Health Plan (HDHP) with a Personal Health Savings Account (HSA)
•A streamlined PPO plan with an Incentive Health Reimbursement Account (HRA) — and no
longer including buy-up options for the deductible, coinsurance/out-of-pocket maximum or
additional prescription coverage.
•HMO option only for those who are currently enrolled in an HMO — and no longer including
the buy-up option for additional prescription coverage for the Open Access HMO.
The HDHP and PPO options feature accounts you can use to pay eligible healthcare expenses.
The HMO doesn’t have an account tied to it. Learn more about your options and the accounts
in the medical section.
Learn More
This guide is only an overview of
SunTrust benefits as of January 1,
2013. 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.
October 2012
NOTE: 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.
2013 Annual
Enrollment is
October 25th —
November 9th
Annual Enrollment for 2013
benefits begins Thursday,
October 25th, and ends
Friday, November 9th. You
can enroll through my HR
online 24/7. If you enroll by
phone, representatives are
available from 8:30 a.m. to
6:30 p.m. (ET). For step-bystep instructions, see How to
Enroll.
Enrollment Required
It’s important for you to
carefully consider the medical
options this year and make
an active election. With the
premium savings for enrolling
in the HDHP or PPO, it pays
to consider moving to one of
these plans for 2013. And,
SunTrust is offering special
rewards for enrolling in the
HDHP or PPO for 2013.
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1
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
During the Year
What’s New Continued
Availability of Summary of
Benefits and Coverage (SBC)
SunTrust offers a series of
health coverage options. To
help you make an informed
choice, your plan makes
available a Summary of
Benefits and Coverage (SBC),
which summarizes important
information about any
health coverage option in a
standard format, to help you
compare across options.
The SBC is available at
my HR online. A paper copy
is also available, free of
charge, by calling my HR at
800.818.2363.
Note:
Rewards for Making a Move This Year
SunTrust is rewarding teammates who make less than $90,000 in base salary if they choose the
HDHP or PPO plan for 2013. You can earn additional rewards, regardless of pay, for completing
Exercise Your Choice: A Health Plan Workout that helps you compare plans and make a smart
choice. The rewards go into the accounts tied to the plans, and you can use rewards to pay for
health care costs (medical, prescriptions, dental and vision) during the year. Think of these
rewards as a reduction in your deductible.
How rewards work
If you make less than $90,000
Enroll in the HDHP
and earn
IMPORTANT
Contact
Information
OR
500
$
Enroll in the PPO
and earn
250
$
+
For all teammates regardless of pay
Complete Exercise Your Choice:
A Health Plan Workout and earn
$
100
if you enroll in the HDHP or PPO
These plan choice rewards
are available for 2013. In
future years, we anticipate
continuing to use health
accounts to provide rewards
for taking actions that help
you get healthier — like we
do today with the Virgin
HealthMiles program or
participation in chronic
condition nurse coaching.
The incentives and actions
needed to obtain them are
expected to be re-evaluated
annually.
All teammates continue
to be eligible for up to
$500 in rewards for
Virgin HealthMiles
and rewards for nurse
coaching for chronic
conditions.
Paying for Your Benefits
When you make your medical plan choice, it’s important to compare coverage costs carefully.
The HDHP continues to have the lowest premiums — more than 75% lower than the HMOs. The
HMOs have the highest premiums, and HMO premiums are increasing significantly. While the
HMO offers a lower deductible, when you factor in the premiums, the HMO may cost more over
the course of a year. You may save more overall with the HDHP or PPO. Check out Exercise Your
Choice: A Health Plan Workout to see how costs add up.
To view your premiums for 2013, go to my HR online and choose “View My Benefit Options”
under Manage This Event.
Learn More
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2
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Medical Coverage
Dental Coverage
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
What’s New Continued
Other Changes
•The prescription drug benefit for the Open Access HMO and PPO will now have a reduced
individual out-of-pocket maximum of $2,000 (from the current $3,000 amount).
Vision Coverage
•There will no longer be a lifetime maximum on smoking cessation prescriptions.
Flexible Spending
Accounts (FSAs)
•If you enroll in medical coverage, you will have enhanced coverage for women’s preventive
care services — including generic contraceptives and in-network breastfeeding supplies
for 2013.
Disability Coverage
Employee Assistance Program
Legal Notices
•There will be a lower maximum for contributions to a Health Care Flexible Spending
Account — from the current $5,000 to $2,500 for 2013 — due to provisions under the Patient
Protection and Affordable Care Act.
•We will not offer a Limited Flexible Spending Account for those enrolled in the HDHP.
Teammates enrolled in the HDHP can set up a Personal Health Saving Account (HSA) to set
aside pre-tax dollars for health expenses — and any money not used during the year rolls over
for the future.
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Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Enrolling
What You Need to Do Now
Medical Coverage
During enrollment, October 25 — November 9:
Dental Coverage
•Use your resources to make good plan choices
Home Page
Vision Coverage
 Read this guide
Flexible Spending
Accounts (FSAs)
 Complete the Exercise Your Choice: A Health Plan Workout, for some quick coaching on
Disability Coverage
your health plan choices and a chance to test your knowledge against an expert. When you
do, you earn $100 in your health plan account (if you enroll in the HDHP or PPO).
Employee Assistance Program
 Check out tools and resources on my HR online
Legal Notices
 Call my HR with questions
•Decide how you will budget for anticipated medical care
 SunTrust rewards can get you started
 With the HDHP, contribute pre-tax dollars to a Personal Health Savings Account (HSA). The
money is there if you need it in 2013, and it rolls over if you don’t use it. In fact, you are
never taxed on the amounts contributed to this account as long as the funds are used for
eligible health care expenses.
 With the PPO, consider contributing pre-tax dollars to a Health Care Flexible Spending
Account. You forfeit any money you don’t use by March 15, 2014, so plan carefully.
•Make an active election and enroll by November 9th. With the medical plan changes, all
teammates must enroll.
Budgeting and Saving
for Health Care and
Dependent Care
Expenses
If you have out-of-pocket
costs for health care
expenses and for day care
for dependents who are
under age 13 — or for an
elderly parent — the Health
Care and Dependent Care
(Day Care) Flexible Spending
Accounts let you set aside
pre-tax dollars to pay for
these expenses. The Health
Care FSA is available if you
enroll in the PPO or HMO.
For example, if you set aside
$2,000 in an FSA and use it
during the year, you will save
$300 if you are in the 15%
income tax bracket.
During Annual Enrollment,
you can use Aetna’s FSA
calculator to see how much
you could save in taxes based
on your anticipated health
care and day care expenses.
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4
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
• Who Must Enroll
• How to Enroll
• Who You Can Enroll
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Who Must Enroll
Medical Coverage
With the changes to your medical options, it’s important that everyone consider their personal
needs and make an active choice during Annual Enrollment — October 25 through November 9,
2012. Use the tools available during Annual Enrollment to find the plan that offers you the best
value — and think about how you want to pay and budget for care.
Dental Coverage
During Annual Enrollment you can:
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
•Enroll in, change, or drop medical, dental, and/or vision coverage
•Add or drop covered dependents and change your coverage level
•Enroll in one or both Flexible Spending Accounts (FSAs) for 2013 — if you don’t enroll, you
won’t participate in an FSA for 2013 even if you participate this year, unless you have a
qualified life event
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.
•Change your deduction amount for your Personal Health Savings Account (HSA) if you are
currently enrolled in one.
•Set up a SunTrust HSA for payroll deductions and reward dollars if you enroll in the HDHP and
don’t have an account.
There is one exception: If you enroll in the HDHP and set up a Personal Health Savings Account
(HSA), you can change your 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 account was opened.
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5
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Tools and
Resources
Making Benefit Changes
During the Year
How to Enroll
• Who Must Enroll
• How to Enroll
• Who You Can Enroll
To enroll via my HR online
From work: my HR online
Medical Coverage
From a non-work computer: my HR online at
https://www.myhrsuntrust.com
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Contact
Information
To enroll by phone
Representatives are available weekdays from 8:30
a.m. to 6:30 p.m. (ET) during Annual Enrollment.
Dial 800.818.2363.to speak to a representative.
You can access my HR with the following information:
From work: no additional information is necessary, the
system uses single sign-on
From a non-work computer: the first time you access my HR
online, you will need to enter your Social Security number
and PIN (4 digits) and will then be asked to generate your
own unique user ID and password which will be used for
future access
You will enter your six digit employee ID number and
4 digit PIN (if your EE ID is less than 6 digits, you will
need to use leading zeros – for example, if your EE ID
is 1234, you would enter 001234)
Need a PIN or Employee ID Reminder?
If you are logging into my HR for the first time from home and have forgotten your PIN, you can
do one of the following items:
•Online — From the my HR online sign-on page, select “Forgot Your PIN?” then you can either:
— Enter your Social Security number and “Answer Challenge Questions” if you have previously
registered for this feature, or
— Enter your Social Security number and then click “Request your PIN” if you have not set up
challenge questions
•By phone – Call my HR, then enter your Employee ID number and wait to be prompted for a
PIN reminder.
If you are calling my HR and do not know your Employee ID number, you can:
•Check the directory on the SunTrust intranet to obtain this information (it is the first item
under the phone number section), or
•Call my HR and request one
If you have to request a PIN or EE ID reminder to be sent to you, this will be mailed to your
home address within two business days of your request.
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6
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
• Who Must Enroll
• How to Enroll
• Who You Can Enroll
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
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, 2012)
•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 my HR 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 my HR must then approve.
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.
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.
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Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Enrolling
Tools and Resources
Medical Coverage
To Help You Make Good Decisions during Annual Enrollment
Dental Coverage
Exercise Your Choice: A Health Plan Workout
Complete Exercise Your Choice: A Health Plan Workout for some quick coaching on your health
plan choices and a chance to test your knowledge against an expert. You can pick up some
important tips on comparing the medical plans — and, when you watch, you’ll earn $100 in your
health plan account (if you enroll in the HDHP or PPO).
Home Page
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Compare Health Plans
Go to my HR online and hover over “my Benefits,” then select “my Health & Other Benefits.”
Under “Tools,” select “Compare Health Plans.” This tool lets you compare plan features
side-by-side and estimate how much each plan would cost in 2013 based on premiums plus your
out-of-pocket cost for the medical care you anticipate.
HSA Cost Calculator
HSA Cost Calculator can help you estimate your annual tax savings based on your contribution
and tax bracket if you enroll in the HDHP and set up a Personal Health Savings Account (HSA).
Remember, any reward dollars you receive from SunTrust will be deposited into this account and
will count toward your maximum allowable amount.
Express Preview
Express Preview helps you research drug costs and estimate your annual prescription drug
expenses. It can help you estimate how much you may want to set aside for prescription costs.
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 a Flexible
Spending Account (FSA) can help save you money in taxes. The Health Care FSA is available if you
enroll in the PPO or an HMO.
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8
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Medical Coverage
•C
omparing How the Plans
Pay Benefits
• How the Accounts Work
• Prescription Drug Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Medical Coverage
SunTrust will transition to account-based plans over the next two years, while phasing out
the HMOs. We plan to use the accounts to encourage healthy steps — with rewards tied to
specific actions you take to get healthier.
Choices for 2013
High Deductible Health Plan (HDHP)
with Personal Health Savings Account (HSA)
Choices for 2014
HDHP with Personal HSA
Streamlined PPO plan with Incentive Health
Reimbursement Account (HRA)
PPO plan with Incentive HRA
HMOs available only for those currently enrolled:
•Open Access HMO
•Kaiser Permanente HMO (Atlanta and DC/Baltimore
areas only)
HMOs no longer offered
What’s Not Changing
It’s important to carefully
consider your options this
year. Premiums are changing
and you can earn rewards for
moving to the HDHP or PPO
option. It pays to complete
Exercise Your Choice: A
Health Plan Workout to help
you decide what’s best for
you and your family.
Click here for information
on finding an in-network
provider.
With all SunTrust medical plans:
•In-network preventive care is free
•You’ll have coverage for a wide range of services — from routine office visits and prescriptions
to more complex care for an illness or injury
•Through Virgin HealthMiles, you can earn up to $500 in Health Cash each year by completing
healthy activities
•You or a covered family member can get support for chronic conditions and lifestyle
improvements through ActiveHealth, offering personalized counseling and lifestyle coaching
Preventive Care Covered by All Plans
All plans cover in-network preventive care at 100% with no deductible. 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, go to my HR online.
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9
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Tools and
Resources
Making Benefit Changes
During the Year
Comparing How the Plans Pay Benefits
Medical Coverage
•C
omparing How the Plans
Pay Benefits
• How the Accounts Work
• Prescription Drug Coverage
HDHP
In-network annual deductible
Dental Coverage
In-network annual out-ofpocket maximum
Disability Coverage
$600/individual
$1,200/family
HMO (available for 2013 only
if you are currently enrolled)
$150/individual
$300/family
$5,500 — teammate-only
$11,000 — teammate and
any dependents
$4,000/individual
$8,000/family
$2,000/individual
$4,000/family
The maximum for out-of-network care is two times the
in-network maximum
Employee Assistance Program
What the plan pays (use any provider — but the plan
pays more when you use in-network providers)
Legal Notices
In-network preventive care
Office visits
• PCP/Physician
• Specialist
Hospital care
• Inpatient services
• Outpatient surgery
Emergency care
Click here for more
information on
prescription drug
coverage.
$1,500 — teammate-only
$3,000 — teammate and any
dependents
PPO
The deductible for out-of-network care is two times the
in-network deductible
Vision Coverage
Flexible Spending
Accounts (FSAs)
Contact
Information
In-network: Plan pays 100%, no deductible
Out-of-Network: Plan pays 70% of R&C allowance after
deductible
In-network: Plan pay 90%
after deductible
In-network: Plan pay 80%
after deductible
Out-of-network: Plan pays
70% of R&C allowance after
deductible (out-of-network
emergency care covered at
in-network benefit level)
Out-of-network: Plan pays
60% of R&C allowance after
deductible (out-of-network
emergency care covered at
in-network benefit level)
What the Plan pays (can use
in-network providers only)
Plan pays 100%
100% after:
• $25 copay
• $35 copay
90% after deductible
100% after $125 copay (waived
if admitted)*
Urgent care
100% after $50 copay
Lab and X-ray
100%, no deductible
Mental health/substance abuse
• Inpatient
• Outpatient
• 90% after deductible
• 100% after $25/copay
* Emergency care is covered at the in-network benefit level for a life- or limb-threatening emergency.
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10
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Enrolling
How the Accounts Work
Medical Coverage
If you enroll in the HDHP, the Personal Health Savings Account (HSA) works like this:
Home Page
•C
omparing How the Plans
Pay Benefits
• How the Accounts Work
• Prescription Drug Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Money goes in
Money comes out
Have money left? It rolls over.
SunTrust rewards — $500 (if you make less
than $90,000 a year), plus $100 if you
complete Exercise Your Choice: A Health Plan
Workout (regardless of pay)
plus
Any pre-tax contributions you make from
your pay up to:
•a total of $3,250 for single coverage
•a total of $6,450 if you enroll your spouse/
domestic partner and/or children
•An extra $1,000 if you are age 55 or older
(Any SunTrust rewards you earn count toward
these maximums)
plus
You pay the full cost of non-preventive
care, including prescription drugs, until
you meet the deductible. You receive
discounted rates in-network. By budgeting
now, you can set aside enough money
each pay period to cover your deductible
if you need it.
Any money left in your account is
yours to pay for health care in the
future. If you leave SunTrust, you
can take it with you.
Any Health Cash you earn for participating
in Virgin HealthMiles (counts toward the
contribution maximum above).
When you have an eligible expense, you
can pay it with your HSA debit card,
request direct payment from your account
to your provider, or reimburse yourself
from the account if you pay the expense
out of pocket. You can be reimbursed
up to your account balance at the time.
If there is not enough money in your
account to cover the expense, you can
pay it and reimburse yourself later.
If you enroll in the PPO with Incentive Health Reimbursement Account:
What’s different?
•You can receive up to $350 in reward dollars — $250 for enrolling in the plan (if you make
less than $90,000 a year) plus $100 for completing Exercise Your Choice: A Health Plan
Workout (regardless of pay).
•Your unused reward dollars roll over from year to year. If you leave SunTrust or move to
the HDHP, however, you lose the money in your account.
•Only reward dollars from SunTrust go into your Incentive Health Reimbursement Account.
You can save pre-tax in a Health Care Flexible Spending Account (FSA) to pay eligible
expenses you have through March 15, 2014. Money in your FSA doesn’t roll over to the
next plan year, so you need to plan carefully.
Setting up a Personal Health
Savings Account (HSA)
Go to the my HR online or
call 866.442.1313.
Health Savings Accounts and
Dependent Expenses
While the Patient Protection
and Affordable Care Act (PPACA)
allows parents to add adult
children (up to age 26) to their
medical plans, the IRS has
not changed its definition of a
dependent for HSAs. This means
that a teammate with a child
age 24 or older (19 or older if
not a full-time student) covered
under the SunTrust HDHP cannot
use HSA funds to pay for medical
expenses for that child.
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11
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Medical Coverage
•C
omparing How the Plans
Pay Benefits
• How the Accounts Work
• Prescription Drug Coverage
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Prescription Drug Coverage
Prescription drug benefits for the Open Access HMO, PPO and HDHP are provided through
Express Scripts.
•Your cost is lowest when you use generic medications.
Vision Coverage
•If you are unable to switch to generic, your cost for brand-name drugs is lower when you use
a drug on the preferred drug list. The preferred drug list, which is available at my HR online,
is compiled by an independent group of doctors and pharmacists and includes medications for
most medical conditions.
Flexible Spending
Accounts (FSAs)
•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.
Dental Coverage
Disability Coverage
Employee Assistance Program
HDHP
PPO
Open Access HMO
Annual Deductible
HDHP deductible
applies
None
None
Annual Out-of-Pocket
Maximum
HDHP out-of-pocket
maximum applies
$2,000 per person
$2,000 per person
Generic
10%, no maximum*
$10 copay
$10 copay
Preferred brand-name
10%, no maximum*
40%, max. $115
40%, max. $115
Non-Preferred brand-name
20%, no maximum*
50%, max. $135
50%, max. $135
Generic
10%, no maximum*
$20 copay
$20 copay
Preferred brand-name
10%, no maximum*
40%, max. $230
40%, max. $230
Non-Preferred brand-name
20%, no maximum*
50%, max. $270
40%, max. $270
Legal Notices
Note:
•You must meet the HDHP
deductible before the
plan begins paying for
prescriptions.
•There will no longer be
a lifetime maximum on
smoking cessation drugs
in 2013.
•Walgreens now
participates in the
Express Scripts network.
Retail (30-day supply)
Home Delivery (90-day supply)
* Subject to medical/prescription drug out-of-pocket maximum.
For the Kaiser Permanente HMO, prescription drug coverage is provided through Kaiser. See the
Kaiser web site for details.
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12
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Enrolling
Dental Coverage
Medical Coverage
Depending on your home zip code, you have a choice of either two or three dental plans for 2013:
Dental Coverage
•The Cigna Basic option
Home Page
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
•The Cigna Plus option
•The Cigna Dental HMO (if you live in a Cigna Dental HMO network area)
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 Radius dental network.
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. Payment for services is based on a
predetermined patient charge schedule, available on my HR online.
Cigna Basic*
Cigna Plus*
Cigna Dental HMO
Annual Deductible
$50 per person
$150 per family
$50 per person
$150 per family
None
Annual Out-of-Pocket
Maximum
$500 per person
$1,500 per person
Unlimited
Preventive care
(cleanings, diagnostic
X-rays)
100%
100%
Basic care (fillings,
periodontal care, root
canals)
80% after deductible
80% after deductible
Major care
(crowns, bridges)
Not covered
50% after deductible
Orthodontia
Not covered
50%, no deductible
$1,500 lifetime
maximum
What the Plan Pays
Costs based on
patient charge
schedule**
* All claims are subject to R&C allowances unless you visit a dentist who participates in Cigna’s Radius network. Using a preferred
provider could result in lower out-of-pocket expenses.
** The updated schedule is available at my HR online.
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13
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
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.
Service
In-Network
Out-of-Network
How Often Covered
Routine eye exam
100% after $10 copay
Up to $40 allowance
Lenses
100% after $25 copay
Allowance:
Once every calendar
• Single vision: Up to $40 year
• Bifocal: Up to $60
• Trifocal: Up to $80
• Lenticular: Up to $80
Frames*
Allowance:
• Up to $50 wholesale
from private
practice
• Up to $130 from
retail chain
Up to $45 allowance
Once every two
calendar years
Contact lenses**
100% after $25 copay
Allowance:
• Elective: Up to $105
• Medically necessary:
Up to $210
Once every calendar
year
Optional Items Not
Covered
Certain optional
items, such as scratchguard coating and
progressive lenses,
are not covered under
the plan and are your
responsibility to pay.
Making Benefit Changes
During the Year
Once every calendar
year
Contact Lens
Selection Expanded
The Contact Lens Formulary
was updated effective
June 1, 2012. Many of the
most popular disposable
contact lenses on the
market are now covered.
Learn more.
* 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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14
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Flexible Spending Accounts (FSAs)
Dental Coverage
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.
Vision Coverage
How the FSAs Work
Flexible Spending
Accounts (FSAs)
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 taxfree dollars from your account to cover the expense.
Medical Coverage
• The Health Care FSA
• The Dependent Care
(Day Care) FSA
Disability Coverage
Employee Assistance Program
Legal Notices
Keep in mind that
these are two
separate accounts.
You cannot transfer
funds from one
account to the other.
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 outof-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 $2,500
Up to $5,000 (or $2,500 if you are
married and file separate tax returns)
Incur expenses by:
March 15, 2014 (if you are
contributing as of December 31,
2013)
December 31, 2013
Submit claims by:
May 31, 2014 for either account
More
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15
Making Good Choices for Physical and Financial Well-Being
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Home Page
Enrolling
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Flexible Spending Accounts (FSAs) Continued
Medical Coverage
Plan Carefully — IRS Rules Apply
Dental Coverage
Keep these facts in mind as you decide how much to contribute to either or both FSAs:
Vision Coverage
Flexible Spending
Accounts (FSAs)
• The Health Care FSA
• The Dependent Care
(Day Care) FSA
Disability Coverage
Employee Assistance Program
Legal Notices
•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.
You have until May 31, 2014 to submit eligible 2013 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.
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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16
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
• The Health Care FSA
• The Dependent Care
(Day Care) FSA
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
The Health Care FSA
You can contribute up to $2,500 per year to your Health Care FSA to pay for eligible outof-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.
New maximum contribution
for 2013: $2,500
The Health Care FSA and the HSA
If you enroll in the HDHP and contribute to a Personal Health Savings Account (HSA), you cannot
enroll in the Health 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
•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 PPO participants: Aetna
will use the money in your
Health Care FSA before
using any reward dollars
(Incentive HRA) you earn.
This is due to the fact that
your FSA money cannot be
rolled over from year to
year if you don’t use it,
while rewards (Incentive
HRA) can be rolled over,
as long as you remain
employed by SunTrust and
do not move to the HDHP.
A more detailed list of eligible and non-eligible expenses is on my HR online.
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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17
Making Good Choices for Physical and Financial Well-Being
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Do Now
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
• The Health Care FSA
• The Dependent Care
(Day Care) FSA
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
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 2013, 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 stayat-home spouse has an
appointment. Find out more
on the Bright Horizons site.
A more detailed list of eligible and non-eligible expenses is available on my HR online.
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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18
Making Good Choices for Physical and Financial Well-Being
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Do Now
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Disability Coverage
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 based on length of service 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 started work with SunTrust on or before
June 30, 2012 can increase LTD benefits by choosing supplemental long-term disability (LTD)
coverage. You pay for supplemental LTD with after-tax dollars.
Long-Term Disability (LTD)
Basic LTD
Benefit
Supplemental LTD
•Provided by SunTrust at no cost •Optional coverage you can choose
to you
to purchase to increase your LTD
•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
Other Income
Protection Benefits
•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)
The maximum monthly amount benefit for basic and supplemental LTD:
Annual salary (up to federal limit, which is $245,000 for 2012) 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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19
Making Good Choices for Physical and Financial Well-Being
What You Need to
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Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Home Page
Long-Term Disability (LTD) continued
Enrolling
Your Cost for Supplemental Coverage
Your 2013 cost for coverage is based on your pay as of August 31, 2012, and the level of
supplemental coverage you choose — 60% or 70%. You can go to my HR online to see your per
pay period premium.
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Your premium will not change during the calendar year, even if your base pay or benefits base
changes. Premium deductions will stop if your status changes to make you ineligible for LTD
coverage. If you are 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, 2013, your election will not go
into effect until you return from leave.
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20
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
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.
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
Go to www.guidanceresources.com (ID “SunTrustCares”) or call 877.369.1785.
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21
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
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:
•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 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 Personal Health Savings Account 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, contact my HR at
800.818.2363 and follow the prompts to speak with a 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.
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22
Making Good Choices for Physical and Financial Well-Being
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Do Now
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
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 or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer, your State
may have a premium assistance program that can help pay for coverage. These States use funds from their Medicaid or CHIP
programs to help people who are eligible for these programs, but also have access to health insurance through their employer. If
you or your children are not eligible for Medicaid or CHIP, you will not be eligible for these premium assistance programs.
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, as well as eligible
under your employer plan, your employer must permit you to enroll in your employer plan if you are not already enrolled. This
is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for
premium assistance. If you have questions about enrolling in your employer plan, you can contact the Department of Labor
electronically at www.askebsa.dol.gov or by calling toll-free 1-866-444-EBSA (3272).
If you live in one of the following States, you may be eligible for assistance paying your employer health plan premiums. The
following list of States is current as of July 31, 2012. You should contact your State for further information on eligibility.
ALABAMA — Medicaid
Website: http://www.medicaid.alabama.gov
Phone: 1-800-362-1504
ALASKA — Medicaid
Website: http://health.hss.state.ak.us/dpa/programs/
medicaid/
Phone (Outside of Anchorage): 1-888-318-8890
Phone (Anchorage): 907-269-6529
ARIZONA — CHIP
Website: http://www.azahcccs.gov/applicants
Phone (Outside of Maricopa County): 1-877-764-5437
Phone (Maricopa County): 602-417-5437
COLORADO — Medicaid and CHIP
Medicaid Website: http://www.colorado.gov/
Medicaid Phone (In state): 1-800-866-3513
Medicaid Phone (Out of state): 1-800-221-3943
More
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Making Good Choices for Physical and Financial Well-Being
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Home Page
Enrolling
Medical Coverage
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
FLORIDA — Medicaid
Website: https://www.flmedicaidtplrecovery.com/
Phone: 1-877-357-3268
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
GEORGIA — Medicaid
Website: http://dch.georgia.gov/
Click on Programs, then Medicaid, then Health Insurance
Premium Payment (HIPP)
Phone: 1-800-869-1150
IDAHO — Medicaid and CHIP
Medicaid Website: www.accesstohealthinsurance.idaho.gov
Medicaid Phone: 1-800-926-2588
CHIP Website: www.medicaid.idaho.gov
CHIP Phone: 1-800-926-2588
INDIANA — Medicaid
Website: http://www.in.gov/fssa
Phone: 1-800-889-9949
IOWA — Medicaid
Website: www.dhs.state.ia.us/hipp/
Phone: 1-888-346-9562
MAINE — Medicaid
Website: http://www.maine.gov/dhhs/ofi/public-assistance/
index.html
Phone: 1-800-977-6740
TTY 1-800-977-6741
MASSACHUSETTS — Medicaid and CHIP
Website: http://www.mass.gov/MassHealth
Phone: 1-800-462-1120
MINNESOTA — Medicaid
Website: http://www.dhs.state.mn.us/
Click on Health Care, then Medical Assistance
Phone: 1-800-657-3629
MISSOURI — Medicaid
Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.
htm
Phone: 573-751-2005
MONTANA — Medicaid
Website: http://medicaidprovider.hhs.mt.gov/clientpages/
clientindex.shtml
Phone: 1-800-694-3084
KANSAS — Medicaid
Website: http://www.kdheks.gov/hcf/
Phone: 1-800-792-4884
NEBRASKA — Medicaid
Website: www.ACCESSNebraska.ne.gov
Phone: 1-800-383-4278
KENTUCKY — Medicaid
Website: http://chfs.ky.gov/dms/default.htm
Phone: 1-800-635-2570
NEVADA — Medicaid
Medicaid Website: http://dwss.nv.gov/
Medicaid Phone: 1-800-992-0900
LOUISIANA — Medicaid
Website: http://www.lahipp.dhh.louisiana.gov
Phone: 1-888-695-2447
NEW HAMPSHIRE — Medicaid
Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf
Phone: 603-271-5218
More
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24
Making Good Choices for Physical and Financial Well-Being
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Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
NEW JERSEY — Medicaid and CHIP
Medicaid Website: http://www.state.nj.us/humanservices/
dmahs/clients/medicaid/
Medicaid Phone: 1-800-356-1561
RHODE ISLAND — Medicaid
Website: www.ohhs.ri.gov
Phone: 401-462-5300
CHIP Website: http://www.njfamilycare.org/index.html
CHIP Phone: 1-800-701-0710
NEW YORK — Medicaid
Website: http://www.nyhealth.gov/health_care/medicaid/
Phone: 1-800-541-2831
SOUTH CAROLINA — Medicaid
Website: http://www.scdhhs.gov
Phone: 1-888-549-0820
NORTH CAROLINA — Medicaid
SOUTH DAKOTA - Medicaid
Website: http://www.ncdhhs.gov/dma
Phone: 919-855-4100
Website: http://dss.sd.gov
Phone: 1-888-828-0059
NORTH DAKOTA — Medicaid
TEXAS — Medicaid
Website: http://www.nd.gov/dhs/services/medicalserv/
medicaid/
Phone: 1-800-755-2604
Website: https://www.gethipptexas.com/
Phone: 1-800-440-0493
OKLAHOMA — Medicaid and CHIP
UTAH — Medicaid and CHIP
Website: http://www.insureoklahoma.org
Phone: 1-888-365-3742
Website: http://health.utah.gov/upp
Phone: 1-866-435-7414
OREGON — Medicaid and CHIP
VERMONT– Medicaid
Website: http://www.oregonhealthykids.gov
http://www.hijossaludablesoregon.gov
Phone: 1-877-314-5678
Website: http://www.greenmountaincare.org/
Phone: 1-800-250-8427
PENNSYLVANIA — Medicaid
Website: http://www.dpw.state.pa.us/hipp
Phone: 1-800-692-7462
VIRGINIA — Medicaid and CHIP
Medicaid Website: http://www.dmas.virginia.gov/rcp-HIPP.htm
Medicaid Phone: 1-800-432-5924
CHIP Website: http://www.famis.org/
CHIP Phone: 1-866-873-2647
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Making Good Choices for Physical and Financial Well-Being
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Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
WASHINGTON — Medicaid
Website: http://hrsa.dshs.wa.gov/premiumpymt/Apply.shtm
Phone: 1-800-562-3022 ext. 15473
WISCONSIN — Medicaid
Website: http://www.badgercareplus.org/pubs/p-10095.htm
Phone: 1-800-362-3002
WEST VIRGINIA — Medicaid
Website: www.dhhr.wv.gov/bms/
Phone: 1-877-598-5820, HMS Third Party Liability
WYOMING — Medicaid
Website: http://health.wyo.gov/healthcarefin/equalitycare
Phone: 307-777-7531
To see if any more States have added a premium assistance program since July 31, 2012, 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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26
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
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 2012 for 2013 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 2012 and in 2013
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 31. Beneficiaries leaving employer/union
coverage may be eligible for a Special Enrollment Period to sign up for a Medicare prescription drug
plan.
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27
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Notice About Prescription Drugs and Medicare
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 (my HR) 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 October to
enroll.
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28
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Notice About Prescription Drugs and Medicare
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:
•Visit www.medicare.gov
•Call your State Health Insurance Assistance Program (see your copy of the Medicare & You
handbook for their telephone number) for personalized help
•Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.
For people with limited income and resources, extra help paying for Medicare prescription drug
coverage is available. Information about this extra help is available from the Social Security
Administration (SSA) online at www.socialsecurity.gov, or you may call them at 1-800-772-1213
(TTY 1-800-325-0778).
Remember: Keep this notice if you are eligible for Medicare or will become eligible within
the next 12 months. If you enroll in one of the plans approved by Medicare which offer
prescription drug coverage, you may be required to provide a copy of this notice when you
join to show that you are not required to pay a higher premium amount.
For more information about this notice or your current prescription drug coverage…
Contact my HR online (https://myhr.suntrust.com) or call 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.
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29
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
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 my HR online in the Library.
Take a moment to read how these privacy rules restrict how and when protected health
information can be used and disclosed. You can also call my HR and request that a copy be sent
to you.
Breast Reconstruction Following a Mastectomy
If you have to have a mastectomy, all SunTrust medical plans provide the following benefits:
•Reconstruction of the breast on which the mastectomy has been performed
•Surgery and reconstruction of the other breast to produce a symmetrical appearance
•Prostheses and treatment of physical complications at all stages of mastectomy, including
lymphedemas
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30
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Tools and
Resources
Making Benefit Changes
During the Year
Contact
Information
Contact Information
This enrollment guide provides highlights of your 2013 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…
Aetna — Medical
www.aetna.com (member information)
800.835.6167
Aetna Flexible Spending Accounts/
Health Reimbursement Accounts
www.aetnanavigator.com
888.238.6226, fax 888.238.3539
Anthem BlueCross BlueShield —
Medical
www.anthem.com
800.628.3988
my HR — Enrolling for benefits
https://myhr.suntrust.com
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: SunTrust2013
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/
suntrust2013 (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 my HR 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)
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31
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Medical Coverage
Dental Coverage
Vision Coverage
Tools and
Resources
Making Benefit Changes
During the Year
Finding In-Network Providers
Any medical, dental, or
vision plan
my HR online at https://myhr.suntrust.com
Provider lookup is under “my Benefits” in the “Tools” section of “my Health and
Other Benefits”
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: SunTrust2013
Open Enrollment Password: cigna
Complete the geographic information
Enter your search criteria in the Provider Directory
For all plans (HDHP, PPO, and HMO): Select the Open Access Plus network
Kaiser Permanente HMO
medical plans
www.kp.org/medicalstaff
Select your region and click “Continue”
For Georgia (Atlanta), click “medical staff directories” link, in the “Signature HMO
Plans” section. Click “Signature HMO” for plan type. Click “ Kaiser Permanente
medical center practitioners (The Southeast Permanente Medical Group, Inc.)” as your
provider.
For Maryland/Virginia/Washington DC (DC/Baltimore), select “Search for a specialist,
hospital, or affiliated provider.” Then scroll down and click the “Kaiser Permanente
Signature HMO” link.
UnitedHealthcare medical plans
www.myuhc.com/groups/suntrustbank
Select “Find Physician and Facilities”
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Contact
Information
More
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32
Making Good Choices for Physical and Financial Well-Being
What You Need to
Do Now
Home Page
Enrolling
Medical Coverage
Tools and
Resources
Making Benefit Changes
During the Year
Finding In-Network Providers
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
Dental Coverage
Vision Coverage
Flexible Spending
Accounts (FSAs)
Disability Coverage
Employee Assistance Program
Legal Notices
Contact
Information
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