Retiree Annual Enrollment Guide - SAS-Origin

onstreammedia.com

Retiree Annual Enrollment Guide - SAS-Origin

2012

Retiree Annual Enrollment Guide

Enroll from October 11 th

through October 26 th


Your 2012 Retiree Annual Enrollment Guide

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…

BENE — Enrolling for benefits https://www.benefitsweb.com/suntrust.html 800.818.2363

TDD: 800.811.8565

Aetna — Medical

www.aetna.com

www.aetnanavigator.com (member information)

800.835.6167

Anthem BlueCross BlueShield —

Medical

www.anthem.com 877.331.4654

CIGNA — Medical

Kaiser Permanente HMO:

Atlanta

DC/Baltimore

UnitedHealthcare – Medical

www.mycignaplans.com

Open Enrollment ID: SunTrust2012

Open Enrollment Password: cigna

www.mycigna.com (member information)

For both locations:

http://my.kp.org/SunTrust

Pre-enrollment website:

www.myuhc.com/groups/suntrustbank

800.769.2116

404.365.4110 (Atlanta)

877.218.7739 (DC/Baltimore)

877.885.8454

Health Savings Account www.connectyourcare.com/suntrustpf/ 866.442.1313

SunTrust’s Medicare

supplement plans

https://member-fhs.umr.com 800.430.4308

Express Scripts prescription

drug benefits (all plans except

Kaiser Permanente HMO)

www.express-scripts.com or

https://member.express-scripts.com/preview/

suntrust2012 (Express Preview)

877.242.1128 (general information)

800.824.0898 (pharmacy help desk)

866.848.9870 (CuraScript)

CIGNA — Dental www.mycigna.com 800.769.2116

UnitedHealthcare Vision plan www.myuhcspecialtybenefits.com 800.638.3120 (member services)

800.839.3242 (for network providers)

Employee Assistance Program

(EAP)

www.guidanceresources.com

(use ID “SunTrustCares”)

877.369.1785

Sparkfly, the teammate/retiree

discount program

Available from BENE Online 800.687.2359

See the inside back cover

for information on finding

a network provider.


Welcome to Your

2012 Annual Enrollment Guide

Annual Enrollment is your opportunity to review your health coverage and make

choices that work best for you and your family.

For 2012, domestic partner coverage will be expanded to include opposite-sex

domestic partners who meet eligibility requirements. Also, dependent children are

eligible up to age 26 even if they are eligible for coverage through their own

employer. In addition, there’s an updated patient charge schedule for the CIGNA

Dental HMO. Review this guide to learn more and go online or call to enroll. If you

don’t enroll, you may not have the coverage you need.

See the enclosed personalized worksheet for the coverage you will have in

2012 if you don’t contact BENE and make changes.

For an overview of the changes, see “What’s Changing for 2012” on page 3.

2012 Annual Enrollment

is October 11 to

October 26, 2011.

In this Guide

Annual Enrollment for 2012 . . . . . . . . . . . .2

What’s Changing for 2012 . . . . . . . . . . . . . .3

What Happens if You Don’t Enroll . . . . . . . .3

How to Enroll . . . . . . . . . . . . . . . . . . . . . .4

Taking Part in SunTrust Benefits . . . . . . . . . .5

Tools and Resources . . . . . . . . . . . . . . . . .10

Medical Coverage If You Are

Not Yet Medicare Eligible . . . . . . . . . . . . .12

Medical Plan Comparison

(for those not eligible for Medicare) . . . . . .24

Medicare Supplement Plans . . . . . . . . . . . .26

Dental Coverage . . . . . . . . . . . . . . . . . . .28

Vision Coverage . . . . . . . . . . . . . . . . . . .30

Employee Assistance Program (EAP) . . . . . .31

Legal Notices . . . . . . . . . . . . . . . . . . . . .32

If you (and/or your dependents) have Medicare or will become eligible for

Medicare in the next 12 months, a Federal law gives you more choices about

your prescription drug coverage. Please see pages 32-33 for the notice that

verifies that prescription drug coverage under all of the SunTrust medical

options is considered “creditable coverage” for your eligibility for Medicare

Part D coverage.

1


Your 2012 Retiree Annual Enrollment Guide

Annual Enrollment for 2012

How to Enroll

You can enroll online or

by phone from October 11

through October 26. See

page 4 for more details on

how to enroll.

Annual Enrollment 2012 begins Tuesday, October 11 and ends Wednesday,

October 26, 2011. 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).

The enclosed personalized worksheet shows all your current benefit elections —

your coverage tier (for instance, retiree and spouse), the plans in which you are

currently enrolled, and your 2012 options and premiums for coverage based on

your current coverage tier.

You must actively enroll during Annual Enrollment if:

• 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 tier

If you have dropped SunTrust medical, dental, or vision coverage in the past and

want to enroll in that coverage for 2012, you must call BENE and speak to a

Benefits Representative. The representative can provide you with information on

coverage costs and take your election. You must provide documentation showing

continuous, comprehensive coverage before your 2012 coverage will take effect.

After you enroll, BENE will send you a package listing documents that can be used

to prove continuous, comprehensive coverage. As long as you elect coverage for

yourself, you also will be able to enroll any eligible dependents with proof of their

continuous, comprehensive coverage.

2012 Health Benefits At-a-Glance

The chart below summarizes the benefit options available to you through SunTrust. SunTrust also provides

personal counseling and assistance at no cost to you through the Employee Assistance Program (EAP).

Medical

(All options include

prescription drug

coverage)

Dental

Retirees/Dependents Under Age 65

(and not Medicare-eligible)

Options are available based on zip code and may

include:

• Open Access HMO

• Kaiser Permanente HMO (Atlanta and

DC/Baltimore areas only)

• Build-Your-Own PPO

• High Deductible Health Plan (HDHP) with

optional HSA

Medicare Plus Plan

Medicare Basic Plan

CIGNA Basic Dental Plan

CIGNA Plus Dental Plan

CIGNA Dental HMO (available based on zip code)

Retirees/Dependents Age 65

or Older (or Medicare-eligible)

Vision

UnitedHealthcare Vision Plan

2


What’s Changing for 2012

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, if you are adding

coverage, 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 by going to BENE Online and choosing “Documents and Forms,”

then “2012 Annual Enrollment,” then “Domestic Partner Criteria and Tax

Information.” You will have a one-time opportunity during Annual Enrollment

to enroll your opposite-sex domestic partner without proof of continuous,

comprehensive coverage. See page 5 for more information.

Dependent Children Eligibility Change

Holding the Line on

Coverage Costs

There is no increase in

medical and dental

premiums you pay for 2012.

If you choose vison

coverage, your costs will go

down. Vision premiums are

being reduced as a result of

rate renegotiation.

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. See “Taking Part in SunTrust Benefits” on page 5 for a complete

list of eligible dependents.

What Happens if You Don’t Enroll?

Refer to the enclosed worksheet to see “Your 2012 Automatic Benefits” section

and view the coverages and premiums that will be in place if you don’t make any

changes.

Please remember that elections you make during Annual Enrollment generally

cannot be changed during the year unless you experience a qualified life event

that allows a change to your current coverage.

There are a few exceptions:

• If you enroll in the HDHP and set up an HSA with the financial institution of

your choice, you can deposit contributions any time during the year. You will

claim your tax credit when you file your tax return.

Note: Expenses eligible for reimbursement have to be incurred on or after the

date the HSA was opened.

• You may also drop medical, dental, and/or vision coverage at any time,

effective the first day of the following month.

3


Your 2012 Retiree Annual Enrollment Guide

How to Enroll

You can enroll online or by phone from October 11 through October 26, 2011.

To enroll via BENE Online

BENE Online is available 24/7.

1. Go to https://www.benefitsweb.com/suntrust.html.

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 two-step 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. It is your responsibility to review the confirmation

statement mailed to your home to verify that your

selections have been accurately recorded.

To enroll by phone

Benefits Representatives are available weekdays

from 8:30 a.m. to 6:30 p.m. (ET) during Annual

Enrollment.

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. It is your responsibility to review the

confirmation statement mailed to your home to

verify that your selections have been accurately

recorded.

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.

2. From the home page, click on “Personal Information,” then on

“Login and Site Preferences,” and then on “Register for ‘Forgot your PIN?’”

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 for employee benefits. Then, enter your

Social Security number and wait to be prompted to press 1 for a PIN reminder.

4


Taking Part in SunTrust Benefits

Your Eligible Dependents

Your eligible dependents include:

• Your spouse

• Your domestic partner (To cover your domestic partner, you can now provide

certification of your domestic partner’s eligibility via BENE Online with

electronic signature. You can also find more information on the criteria and tax

implications for domestic partner coverage. If you do not certify online, you

and your domestic partner must complete an Affidavit, which BENE must then

approve.)

• Your children and stepchildren, up to the end of the year they turn 26 (must be

no older than age 25 on December 31, 2011)

• Your children age 26 or older who are permanently and totally disabled and

who were disabled prior to age 26 or who became disabled while covered under

a SunTrust plan as your eligible dependent.

For more details on dependent eligibility see “Frequently Asked Questions” on

page 6.

Proof of Continuous, Comprehensive Coverage

If you and any eligible dependents are not currently enrolled in SunTrust benefits

and wish to enroll for 2012, you must be able to prove that you are currently and

have been continuously covered under another health plan that provides

comprehensive coverage (for example, prescription drugs, hospitalization, and

office visits). Only once you’ve submitted proof will your elections be approved.

To elect:

• Medical coverage, you and your eligible dependents must show proof of

continuous, comprehensive medical coverage from a group or individual plan, a

Medicare Supplement, Medicare Advantage, or TriCare for Life

• Dental coverage, you must have been covered under a comparable dental plan

• Vision coverage, you must have been covered under a plan that offered

coverage for eye examinations (note that a medical necessity to the eye,

glaucoma for example, is covered under the medical plan).

Extended Coverage for Child on Medical Leave from School

Effective January 1, 2010, the plan added a special provision to comply with

Michelle's Law. This provision applies only to a dependent child who is enrolled in

the Plan because of full-time student status. If the dependent child has a serious

illness or injury resulting in a medically necessary leave of absence or change in

enrollment (such as reduction in hours) that causes a loss of student status, the

Plan will extend coverage to the child for up to a year. As of January 2011, the

Plan does not require full-time student status as a condition of coverage for

eligible dependents.

Dependent Eligibility Audit

In 2012, SunTrust will be

auditing records to verify

dependent eligibility, so it’s

important to take a look at

dependent eligibility

requirements during

enrollment and ensure your

dependents are eligible for

coverage in 2012. Also, see

the Dependent Eligibility

FAQs on page 6.

If you are enrolling a

dependent for the first time,

other than within

31 days of the date that

person becomes your

dependent, you must provide

proof of continuous,

comprehensive coverage

for that dependent. This

includes a domestic partner

unless enrolled within

31 days of the date

your domestic partner

was eligible.

Since opposite-sex domestic

partners will be eligible for

the first time in 2012, you

have a one-time opportunity

to enroll an opposite-sex

domestic partner during this

Annual Enrollment without

proof of continuous,

comprehensive coverage.

If you wait until a future

enrollment, proof of

continuous, comprehensive

coverage will be required.

5


Your 2012 Retiree Annual Enrollment Guide

Dependent Eligibility: Frequently Asked Questions

If I divorce, how long can I continue coverage for my ex-spouse?

Coverage for your dependent ends on the actual date of the divorce.

Reporting the divorce as a qualifying event is required so that COBRA

coverage can be offered to the ex-spouse who is no longer your dependent.

My divorce decree requires that I provide coverage for my ex-spouse. Can I

continue to cover that person under the SunTrust plan?

No. Since the person would no longer be considered an eligible dependent

under the terms of the plan, you would either need to provide coverage

through COBRA or find coverage through another source for your ex-spouse.

When do dependent children become ineligible?

Children are no longer considered to be eligible under the SunTrust medical,

dental, and vision coverages at the end of the year in which your child

reaches age 26.

I have a Qualified Medical Child Support Order (QMCSO) for my child.

How does this affect his/her eligibility for coverage?

In accordance with federal law, health coverage will be provided to certain

dependent children (called alternate recipients) if the plan is required to do

so by a QMCSO. The order should be submitted to the QMCSO Processing

Group at BENE for approval. Their address and number are:

P. O. Box 436

Little Falls, NJ 07424

800.722.0387, ext. 39289

How do I know if my disabled child meets the requirements for continuing

coverage?

If your dependent child becomes permanently and totally disabled while

covered as a dependent under the SunTrust Retiree Health Plan (or another

employer-sponsored group health plan) prior to age 26, you may continue

coverage for the child until he/she is no longer disabled. The insurance

carrier may require you to submit certification that the child continues to

be disabled.

What if I enroll my dependents when they are actually not eligible?

Enrolling and covering ineligible dependents is a violation of the SunTrust

Code of Business Conduct and Ethics. If you are found to have enrolled

ineligible dependents, you may be dropped from coverage and permanently

ineligible from enrolling yourself or eligible dependents in the SunTrust

benefit plans.

6


About Medicare Eligible Benefits

The SunTrust retiree medical and prescription drug benefits available to you and

any covered dependents depend on age and/or eligibility for Medicare. Anyone

enrolling for coverage — you and/or any dependents — under age 65 and not

otherwise eligible for Medicare will choose medical and prescription drug

coverage from the available pre-65 options. Anyone enrolling for coverage who is

age 65 or older or otherwise eligible for Medicare will be eligible for the

Medicare supplement plans, which automatically include the Buy-Up prescription

drug coverage.

The same options for dental and vision coverage are available to all eligible

retirees and covered dependents regardless of age or Medicare eligibility.

When You or Your Spouse Turn 65

About three months before you or your spouse will turn age 65, you will receive

information about enrolling in one of the two SunTrust Medicare supplement

plans: the Medicare Plus Plan or the Medicare Basic Plan. You will receive

information on your premiums and an explanation of how the plans coordinate

with Medicare. See page 26 for details on how the plans work.

If you do not enroll during the enrollment period, you or your spouse will

automatically move to the Medicare Plus Plan the first day of the month in which

you or your spouse celebrate your 65th birthday. If you or your spouse turn 65 on

the first day of the month, Medicare and Medicare supplement plan coverage take

effect the first day of the previous month. For example, if you turn 65 on March

1, you will be eligible for Medicare — and be enrolled in the Medicare Plus Plan

unless you elect the Medicare Basic Plan — on February 1. If, on the other hand,

you turn 65 on March 2, you become eligible for Medicare and the Medicare

Supplement plans on March 1.

Request from Benefit

Advocates, Inc.

SunTrust occasionally asks

the Benefit Advocates,

Inc., an alliance partner,

to work with BENE to

confirm data affecting

eligibility. Please comply if

you are asked to verify

any personal information

such as your date of birth,

or eligibility for Medicare.

All information will be

kept confidential and only

shared with appropriate

SunTrust personnel.

Because the Medicare

supplement plans are

administered as if you are

also enrolled in Medicare

Benefits, you should enroll

in Medicare Parts A and B

to ensure that you are

receiving the maximum

benefits allowed under

your plan. See page 27 for

information about

Medicare Part D and

prescription drug

coverage.

7


Your 2012 Retiree Annual Enrollment Guide

Paying for Your Benefits

You pay for retiree health coverage with after-tax dollars through direct debit

from your bank account or by mailing a personal check each month. Your 2012

premiums for any plans in which you are currently enrolled are shown on your

personalized enrollment worksheet.

If you wish to change any of your current plan elections, you can find 2012

premium information for other plan options on your enrollment worksheet. If you

need premiums for other coverage tiers or for a benefit you are not currently

enrolled in, go to BENE Online or call BENE and speak to a Benefits

Representative.

If you wish to enroll yourself or any eligible dependents in SunTrust coverage

which you don’t currently have, you will be required to show proof of continuous,

comprehensive coverage and your premiums for 2012 will be consistent with

those of SunTrust employees retiring during 2012.

If You Drop Coverage and Later Re-enroll

If you drop coverage at any time and later wish to re-enroll for SunTrust

benefits, you may pay different premiums than you would if you had

continuous coverage with SunTrust. For current premiums, see the

personalized worksheet in your package. You can call BENE at 800.818.2363 if

you have questions about premiums.

Protect Your Privacy

SunTrust protects the privacy of your protected health information. SunTrust

Human Resources complies with all HIPAA privacy rules.

The SunTrust and ComPsych (EAP) Privacy Policies are available at BENE Online.

Take a moment to read how these privacy rules restrict how and when protected

health information can be used and disclosed. These policies are posted in the

Reading Room of BENE Online under the “Documents, Forms, Notices, Reports”

subheading. You can also call BENE and request that a copy be sent to you.

8


Making Changes to Your Benefit Choices

In general, the benefits you choose during Annual Enrollment will stay in effect

through December 31. You are not allowed to make changes to your medical,

dental, or vision coverage selections — other than dropping coverage — during

the year.

If you have a qualified life event (such as those listed below), you can make

benefit changes provided that the change is consistent with the event. For

example, if you divorce and your ex-spouse is therefore no longer eligible for

coverage, you can change your coverage tier from retiree and spouse to retiree

only. Any changes to your benefits choices must be made within 31 days of the

date of the event. Qualified life events include:

• An addition to your family — through marriage, birth, or adoption

• A change in dependent status — through divorce, death, or loss of eligibility for

benefits

• A change in your spouse’s or dependent’s benefits — because of a new job, job

loss, significant change in cost or coverage, or discontinuation of benefits

To notify SunTrust of any qualifying events and to make changes during the year,

contact BENE at 800.818.2363, select option 2, enter your Social Security number

and PIN, and speak with a Benefits Representative between 8:30 a.m. and

5:30 p.m. (ET) Monday through Friday.

If you drop coverage for yourself and/or your dependents at any time during the

year, you cannot re-enroll for coverage unless you can demonstrate continuous,

comprehensive coverage under another health care plan. In addition, your

premiums may change when you re-enter the plan.

Retirees and dependents

who are eligible for but

not enrolled in the

SunTrust plan may enroll

if they lose Medicaid or

CHIP coverage because

they are no longer

eligible, or they become

eligible for a state’s

premium assistance

program. You have 60

days from the date of the

Medicaid/CHIP event to

request enrollment under

the plan. If you request

this change, coverage will

be effective the first of

the month following your

request for enrollment.

Specific restrictions may

apply, depending on

federal and state law. See

page 34 for more aobut

Medicaid and CHIP

coverage.

Coordination of Medical and Dental Benefits

When you or a family member is covered under two or more plans, one

is primary and all other plans are secondary plans.

It’s important to understand that having coverage under two plans does not

necessarily mean you will receive higher benefits, because the SunTrust plans

and most other plans take into account amounts paid by other coverage when

determining benefits.

9


Your 2012 Retiree Annual Enrollment Guide

Tools and Resources

BENE — The SunTrust Benefits Service Center

You can use BENE Online or call toll-free to talk with a Benefits Representative

about SunTrust benefits, enrolling during Annual Enrollment, changing your

benefit choices within 31 days of a qualifying life event, and providing or

correcting information about your dependents.

If You Are Medicare

Eligible

You can go to BENE

Online to see

information on the

Employee Assistance

Program, Sparkfly,

Other Health Care

Web sites, and News and

Information. Anyone

who is Medicare eligible

does not have access to

the other tools

described here and on

page 11.

Tools to Help You Choose a Medical Plan

Compare Health Plans

Health Plan Evaluator lets you compare plan features side-by-side and estimate

how much each plan would cost in 2012 based on premiums plus your out-ofpocket

cost for the medical care you anticipate. Go to “Compare Health Plans” in

the BENE Online Health & Welfare “Planning Tools” section. You can also visit

your current carrier’s Web site to review your current health care claims and

expenses.

Find a Provider

Use “Find a Provider” in the BENE Online Health & Welfare “Planning Tools”

section to search for in-network providers for the SunTrust health care plans for

which you are eligible.

Health Plan Member Services

The Customer Service Representatives at Aetna, Anthem BlueCross BlueShield,

CIGNA, Kaiser Permanente (Atlanta and DC/Baltimore areas only),

UnitedHealthcare, and Express Scripts, and the BENE representatives are

available to answer your questions as you think about which plan may be right for

you. See “Contact Information” on the inside front cover for phone numbers and

Web site addresses.

Express Preview

Express Preview helps you research drug costs and estimate your annual

prescription drug expenses if you are enrolled in a SunTrust medical plan option.

This tool is available at https://member.express-scripts.com/preview/

suntrust2012. See the inside front cover of this guide for Express Scripts phone

numbers.

HSA Cost Calculator

The HSA Cost Calculator can help you estimate your annual tax savings based

on your contribution and tax bracket, assuming you enroll in the HDHP and

set up an HSA. This tool is available at www.connectyourcare.com/suntrustpf/

pf-calculator.html.

10


Health and Wellness Tools and Resources

Owning Your Health (for participants in a SunTrust medical plan option)

SunTrust has created a tab on BENE Online called “Owning Your Health” that

makes it easy to access online tools and special programs for your health and

wellness, including:

• Personal Health Record (PHR), a confidential tool to store and organize all of

your health information. You control complete access to your record and decide

who will view it.

• The Health Assessment, which gives you a personalized report showing your risk

factors and steps you can take to improve your health.

• MyActiveHealth.com, a secure, online resource that has all the health

information that’s important to you in one convenient place. You can look up

health information, watch a video or print out materials on health topics of

interest to you; get the latest health news; check potential drug interactions;

find and print out recipes for great-tasting, healthy eating; and much more.

• Nurse Line — call to speak to a registered nurse 24 hours a day.

• The ActiveHealth Disease Management Program, offering personalized

counseling and support if you or a family member has a chronic condition.

11


Your 2012 Retiree Annual Enrollment Guide

Medical Coverage If You Are Not Yet

Medicare Eligible

See “Terms to Know”

on page 13 for key

definitions.

Medical Plan Options

The options available to you are based on your home zip code and shown on your

personalized worksheet and may include:

• Open Access HMO plan

• Kaiser Permanente HMO plan (Atlanta and DC/Baltimore areas only)

• A PPO plan that allows you to customize your benefits by choosing your

deductible amount and coinsurance level

• A High Deductible Health Plan (HDHP) with an optional Health Savings Account

(HSA)

While all your medical plan options cover the same services, including

preventive care, there are differences in how the plans work — how you pay

for coverage versus how you pay for care, how you manage your benefits, and

how you manage health care costs.

Comparing Plan Features for 2012

Features a network of

providers

Offers flexibility to use outof-network

providers

Open Access

HMO

Kaiser

Permanente

HMO

Build-Your-Own

PPO

HDHP

Yes — Broad Yes — Limited Yes — Broad Yes — Broad

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

Has an annual deductible you

must meet before the plan

pays most benefits

Features copays for office

visit services

Has an annual limit on your

out-of-pocket spending

Covers in-network preventive

services at 100% (see Medical

Plan Comparison for more

detail)

Allows you to enroll in an

HSA to save pre-tax for

medical expenses

No Yes No No

Yes* Yes* Yes Yes

Yes Yes No No

Yes** Yes*** Yes Yes

Yes Yes Yes Yes

No No No Yes

12

* Deductible applies to services received outside the doctor’s office. It does not apply to services provided in the doctor’s

office, which are covered by the office visit copayment, or to other services requiring copayments.

** Excludes copays.

*** Excludes copays and deductibles.


Terms to Know

Annual deductible is the amount you must pay out of your own pocket for

medical care before the plan begins to pay benefits. The deductible does not

apply to services for which you pay a set copayment, such as office visits in the

Open Access HMO option.

Annual out-of-pocket maximum is the most you will have to pay out of your

own pocket each year, including the deductible. (If you enroll in the Kaiser

Permanente HMO, the deductible does not count toward the out-of-pocket

maximum.) If you reach the out-of-pocket maximum during the year, the plan

pays 100% of your eligible expenses for the rest of the year. This does not

include copayments for Open Access HMO or Kaiser HMO options or costs for

prescription drugs unless you are in the HDHP.

Coinsurance is the percentage of eligible charges the plan pays for your care

once you have met the annual deductible.

Copayment is a set dollar amount you pay for services you receive and

applies in the Open Access HMO and Kaiser Permanente HMO medical options

and the Dental HMO option.

Health Savings Account (HSA) — If you enroll in the HDHP, you can set up an

HSA. You contribute after-tax dollars to the account to pay for out-of-pocket

health care expenses. Your after-tax contributions during the year can be

deducted on your 2012 tax return. Any interest or investment earnings you

receive in the account are tax-free as long as you use the account for eligible

health care expenses.

Reasonable and Customary (R&C) allowances refer to the prevailing rates for

medical services and supplies in your area. When you enroll in the PPO or HDHP

and use out-of-network providers, you are responsible for any additional charges

over the R&C amounts as determined by your plan administrator. Out-ofnetwork

services are not covered by the Open Access HMO or Kaiser Permanente

HMO except in life-threatening medical emergencies.

Breast Reconstruction Following a Mastectomy

If you have a mastectomy, all SunTrust medical plans provide the following benefits:

• Reconstruction of the breast on which the mastectomy has been performed

• Surgery and reconstruction of the other breast to produce a symmetrical

appearance

• Prostheses and treatment of physical complications at all stages of mastectomy,

including lymphedemas

13


Your 2012 Retiree Annual Enrollment Guide

Refer to “Medical Plan

Comparison” on page

24 for details on

copayment and out-ofpocket

maximum

amounts.

Health Maintenance Organizations (HMOs)

You have the option to enroll in the Open Access HMO. Retirees 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, emergency room, and urgent care services.

Preventive care is covered at 100% with no copayment. You must meet an annual

deductible before the plan begins to pay for most services received outside the

doctor’s office. For services that are not covered by a copayment, you pay

coinsurance after you meet the deductible. You also have the protection of an

annual out-of-pocket maximum. If you reach your out-of-pocket maximum during

the year, the plan pays 100% of the cost for all additional eligible medical

expenses you and your family would need for the rest of the year, other than

those requiring a set copayment.

For some covered services, there are differences in how the Open Access HMO

the Kaiser HMO (Atlanta area) and the Kaiser HMO (DC/Baltimore area) pay

benefits. For more detail on covered services, go to BENE Online to the

“Documents and Forms” section and click on “Benefit Plan Overviews” to find the

2012 HMO Comparison Chart.

Open Access HMO

The Open Access HMO allows you to visit any doctor in your network. You don’t

need a referral to see a specialist.

Although you are not required to name a Primary Care Physician, we encourage

you to use a primary doctor. Your primary doctor can help coordinate all of your

care, including:

• Providing routine and preventive care

• Offering guidance on seeking care from a specialist in the network

• Helping to arrange hospital stays and other outpatient treatment within the

network

You must use providers in the Open Access network to receive benefits. If you go

to a non-network provider, the plan will not pay for care unless you are being

treated for a life-threatening emergency.

Prescription Drug Benefits

Your prescription drug benefits are provided through Express Scripts. This Express

Scripts coverage features copayments and coinsurance, and an out-of-pocket

maximum that is separate from the HMO maximum. When you enroll for medical

coverage, you choose from two different prescription drug levels to complete

your medical benefit election. There are no changes to the prescription drug

coverage for 2012. See “Prescription Drug Coverage for the Open Access HMO,

PPO, and HDHP Options” on page 19 for more information on prescription drug

benefits and your coverage options.

14


Kaiser Permanente HMO (Atlanta and DC/Baltimore areas only)

In addition to the Open Access HMO option, SunTrust offers a Kaiser Permanente

HMO option for Atlanta and DC/Baltimore-based 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, go to

www.my.kp.org/suntrust to see if this plan will work for you.

Prescription Drug Benefits

The Kaiser Permanente HMO offers prescription drug coverage through Kaiser, not

Express Scripts. The cost is included in your premiums. You must use a Kaiser

pharmacy or mail order.

Kaiser Permanente HMO

Retail (30-day supply)

Generic

Preferred brand-name

Non-Preferred brand-name

Home Delivery (90-day supply)

Generic

Preferred brand-name

Non-Preferred brand-name

$10 copay

$25 copay

$40 copay

$20 copay

$50 copay

$80 copay

Preferred Provider Organizations (PPOs)

All retirees 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

The PPO features a network of doctors, hospitals, and other health care providers

who have agreed to charge negotiated fees for their services through the carrier’s

network. Each time you need care, you decide whether to use an in-network

provider or an out-of-network provider.

When you use in-network providers, you pay less out of your own pocket for your

care. This is because the plan pays a higher percentage of the cost, and your costs

are based on the negotiated fees that in-network providers have agreed to charge.

There are no claim forms to file when you use in-network providers. You can go to

any in-network provider and receive in-network benefits. When you use out-ofnetwork

providers, you pay more out of your own pocket for your care. In

addition, out-of-network charges will be subject to Reasonable and Customary

(R&C) allowances. You may also be required to file your own claims.

15


Your 2012 Retiree Annual Enrollment Guide

You must meet an annual deductible before the plan begins to pay for most

eligible benefits. Preventive care from in-network providers is covered at 100%

with no deductible. Once you meet your deductible, the plan pays a percentage of

the cost of care — also known as coinsurance — and you pay the rest. Remember

that when you use out-of-network providers you are also responsible for any costs

over R&C allowances. After meeting your out-of-pocket maximum for the year,

eligible expenses will be covered at 100%.

Building Your Own PPO Plan

The PPO is based on a Core level of benefits. You have a choice of two options

for deductibles and two options for coinsurance and out-of-pocket maximums —

Core or Buy-Up.

Your choices for annual deductible options and coinsurance/annual out-of-pocket

maximum options are shown here. The Health Plan Evaluator tool at BENE Online

can help you determine what mix may work best for you based on your

anticipated medical care needs.

Annual Deductible Options

Option In-Network Out-of-Network

Buy-Up

$400/individual

$800/individual

$800/family

$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

Option Coinsurance Out-of-Pocket

Maximum

Buy-Up 90% $3,000/individual

$6,000/family

Core 80% $4,000/individual

$8,000/family

Out-of-Network

Coinsurance Out-of-Pocket

Maximum

70% $6,000/individual

$12,000/family

60% $8,000/individual

$16,000/family

Prescription Drug Benefits

Your prescription drug benefits are provided through Express Scripts. 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” on page 19 for

more information on prescription drug benefits and your coverage options.

16


Your 2012 Retiree Annual Enrollment Guide

High Deductible Health Plan (HDHP)

The High Deductible Health Plan (HDHP) is available to all retirees who are not

Medicare eligible and live in the HDHP network area. In combination with a

Health Savings Account (HSA), it offers a powerful way to take control of your

health care costs. With the HDHP, you reduce your premiums and pay a higher

deductible if you need care during the year. In-network preventive care is

covered at 100%, even before you meet the deductible.

The HDHP features a network of providers.

• You can use any provider or facility you want with the HDHP.

• When you use in-network providers, however, you receive a higher level of

benefits and pay less out of your pocket for services.

• When you use out-of-network providers, you are responsible for any charges

above Reasonable and Customary (R&C) allowances, and you may have to file

your own claims.

The HDHP — How It Works

1 2

Preventive Care

In-network

preventive care is

covered at 100%,

including the cost of

routine colonoscopies

when performed in

accordance with the

American Cancer

Society guidelines.

* Annual deductibles and

out-of-pocket maximums

shown here apply only

for in-network services.

See “Medical Plan

Comparison” for details

on out-of-network annual

deductibles and out-ofpocket

maximums.

Annual In-Network Deductible*

You must meet this before the plan pays

benefits, including prescription benefits:

• $1,500 if one person is enrolled

• $3,000 if more than one person is enrolled

(total family deductible must be met before

benefits begin for any family member)


You meet your annual deductible

4

Coinsurance

The plan shares the cost by paying coinsurance:

Plan pays 90% in-network

Plan pays 70% out-of-network


You pay your share of coinsurance up to

5

Annual In-Network Out-of-Pocket Maximum*

You won’t pay more than this during the year

for eligible expenses, including prescriptions:

• $5,500 if one person is enrolled

• $11,000 if more than one person is enrolled

(total family out-of-pocket maximum

must be met before the plan pays 100% of

eligible expenses)


If you meet the annual out-of-pocket maximum

6

The Plan Pays 100%

If you reach your out-of-pocket maximum,

the plan pays 100% of any additional eligible

medical and prescription drug expenses




3 Your Optional

HSA Account

You can set up an HSA to

cover out-of-pocket

expenses such as the

deductible and coinsurance.

You can contribute

pre-tax up to:

$3,100 per individual

$6,250 per family

(plus an additional $1,000

catch-up contribution if you

are at least age 55 during

the year)

Funds can be used to pay

for eligible health care

expenses,

or can be saved for future

medical expenses.

Whatever you don’t use

each year rolls over from

year to year and continues

to earn interest — and

funds used for eligible

medical expenses are not

taxed. It’s a savings account

for your future medical

care. As long as you use

your account for eligible

medical expenses, the

money remains tax free.

17


Your 2010 Retiree Annual Enrollment Guide

About the HDHP Deductible and Out-of-Pocket Maximum

If you enroll in retiree-only HDHP coverage (or enroll your spouse only or child only because you are covered

by Medicare Supplement coverage), the covered person must meet the $1,500 deductible ($3,000 out-ofnetwork)

before the plan begins to pay benefits other than in-network preventive care. If you meet the

$5,500 annual out-of-pocket maximum ($11,000 out-of-network), the plan pays 100% of you or your

dependent’s eligible expenses for the rest of the year.

If you enroll yourself and any dependents (or more than one dependent because you are covered by

Medicare Supplement coverage), you and/or your dependents must meet the $3,000 deductible amount

($6,000 out-of-network) before the plan begins to pay benefits other than in-network preventive care for

any enrolled family member. Likewise, you and/or your dependents must meet the $11,000 annual out-ofpocket

maximum ($22,000 out-of-network) before the plan begins paying 100% of eligible expenses. You can

meet the deductible through any combination of covered medical expenses for enrolled family members.

Here are examples showing how this works for the in-network deductible.

Meeting the In-Network HDHP Deductible if You Enroll More than One Person

Example 1: Jim enrolls himself

and his wife, Anna. They both

have expenses for office visits,

lab work, and prescriptions for

minor illnesses. Anna takes a

monthly prescription for

osteoporosis.

Jim’s expenses: $1,200

Anna’s expenses: $1,800

Total: $3,000

Example 2: Amy enrolls herself,

her husband, Ron, and her two

children, Ben and Rebecca. All

family members have expenses for

office visits, lab work, and

prescriptions for minor illnesses.

Ben takes ongoing medication for

asthma.

Amy’s expenses: $850

Ron’s expenses: $600

Ben’s expenses: $1,050

Rebecca’s expenses: $500

Total: $3,000

Example 3: Stella enrolls herself

and her two children, Emily and

Lucy. Lucy gets sick early in the

year and is hospitalized for

pneumonia. Because her illness

happens early in the year, Stella

and Emily don’t yet have any

expenses toward the deductible.

Stella’s expenses:$0

Emily’s expenses: $0

Lucy’s expenses: $3,000

Total: $3,000

In all three examples, the HDHP begins paying in-network benefits (90% for covered services) for all

family members once the $3,000 in-network deductible is met. If any family reaches a total of

$11,000 in in-network out-of-pocket expenses during the year, the HDHP begins paying 100% for all

family members.

18


Prescription Drug Coverage for the Open Access HMO, PPO, and

HDHP Options

Prescription drug benefits for the Open Access HMO, Build-Your-Own PPO, and

HDHP are provided through Express Scripts. The Kaiser Permanente HMO has

separate prescription drug coverage through Kaiser.

The prescription drug benefits feature a preferred drug list for brand-name drugs.

Your cost for brand-name drugs will be lower when you use a drug on the

preferred drug list. The preferred drug list, which is available at BENE Online, is

compiled by an independent group of doctors and pharmacists and includes

medications for most medical conditions that are treated on an outpatient basis.

How Prescription Drug Benefits Work

Your prescription drug coverage lets you purchase medications from participating

retail pharmacies or through Express Scripts’ home delivery program. You are

required to use home delivery for regular maintenance medications after the

third retail order or contact Express Scripts to opt out of mail order. You can use

the “Find a Provider” tool in the BENE Online Health & Welfare “Planning Tools”

section to locate network pharmacies.

Your Coverage Options

Under the Open Access HMO and the PPO, you have the choice of two

prescription drug coverage options, shown below. With each option, you pay a

low, set copayment for generic medications and a coinsurance amount for brandname

medications.

Under the HDHP, your prescription drug coverage is included in your plan and

subject to the same deductible and out-of-pocket maximum as other eligible

medical expenses.

Open Access HMO and PPO

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.

HDHP

Buy-Up Option

Core Option

Annual Deductible None None HDHP annual deductible

applies. See page 24.

Annual

Out-of-Pocket Maximum

$1,500 per person $3,000 per person HDHP out-of-pocket

maximum applies.

See page 24.

Retail (30-day supply)

Generic $5 copay $10 copay 10%, no max*

Preferred brand-name 30%, max $95 40%, max $115 10%, no max*

Non-preferred brand-name 40%, max $125 50%, max $135 20%, no max*

Home Delivery (90-day supply)

Generic $10 copay $20 copay 10%, no max*

Preferred brand-name 30%, max $190 40%, max $230 10%, no max*

Non-preferred brand-name 40%, max $250 50%, max $270 20%, no max*

* Subject to HDHP out-of-pocket maximum. See page 24.

19


Your 2010 Retiree Annual Enrollment Guide

If you do not participate

in Step Therapy when

required, a brand name

drug will not be covered.

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.

You are required to participate in the Step Therapy program for all the classes of

medications listed below.

• Proton pump inhibitors

• ARB’s, ACE’s, Calcium Channel

Blockers and Beta Blockers to treat

high blood pressure

• Brand NSAID’s & COX2’s for pain and

inflammation

• Leukotriene inhibitors for asthma

• HMG Enhanced for cholesterol

• SSRI’s and other antidepressants

• Non-sedating antihistamines

• Hypnotics for sleep aid

• Antivirals

• Topical immunondulators (eczema)

• Bisphosphonates for osteoporosis

• Lyrica for seizures and nerve pain

• Overactive bladder medications

• Tekturna for hypertension

• Avodart for BPH

• Fenofibrate for cholesterol

• Januvia and Thiazolidinedione (TZD)

for diabetes

• Nasal Steroids for allergy

• Topical Corticosteroids for

inflammatory skin conditions

• Xopenex for asthma

Specialty Medications through CuraScript

If you take any oral or injectable specialty medications, including selfadministered

drugs, you must purchase these medications through CuraScript, an

Express Scripts subsidiary. You may fill your initial prescription at a retail

pharmacy but then must use CuraScript for your subsequent refills to be covered.

CuraScript provides better discounts than retail costs. You’ll also receive delivery

of specialty medication and supplies to your home, doctor’s office, or any other

location, usually within 24 hours — and you have access to call center assistance,

so you can talk toll-free with pharmacists and nurses.

20


Take Control of Your Prescription Drug Expenses

There are lots of ways to take control of your prescription drug costs. Here are

just a few ideas:

• Choose generic medications when possible. They are required to have the

same active ingredients with the same strength and dosage amounts as their

brand-name counterparts but cost much less. Using generic drugs can reduce

your out-of-pocket expenses.

• Use Express Scripts’ Price a Drug tool to research your options. This tool lets

you research various medications to determine your out-of-pocket costs and

identify lower-cost alternatives and other cost saving opportunities. To use this

tool, you must register as a member.

• Use Express Preview to plan ahead. This tool lets you research drug costs and

helps you estimate your annual prescription drug expenses. The Web address is

available on the inside front cover in the “Contact Information” section.

Express Scripts Select Home Delivery

Home Delivery is the preferred way to fill your maintenance medications if you’re

enrolled in the SunTrust Open Access HMO, PPO, or HDHP. Here’s what this means:

• You can fill your maintenance medication two times at a participating pharmacy.

(“Maintenance” means you take a drug regularly, like high blood pressure

medication.)

• The third time you fill your prescription, you pay the full cost, unless you enroll

for Home Delivery or call Express Scripts to decline Home Delivery.

Call 888.772.5188 to opt

out of Home Delivery.

If you have questions,

call Express Scripts at

877.242.1128.

21


Your 2012 Retiree Annual Enrollment Guide

The SunTrust HSA

You can set up an HSA

with SunTrust. See page

23 for more details. If you

are interested in opening

an account please visit

connectyourcare.com/

suntrustpf/

The Health Savings Account (HSA)

When you enroll in the HDHP, you have the choice to establish an HSA as a way to

save money to pay for qualified expenses you pay out of your pocket.

You can set up an HSA at the financial institution of your choice, contribute aftertax

dollars and use those dollars to pay for out-of-pocket health care expenses,

like your premiums, deductible and coinsurance. You decide how to use your HSA

funds, and any funds you don’t use during the year roll over — building an

account you can use for future health care expenses.

Contributing to the HSA

When you set up an HSA, you make contributions directly to the financial

institution on an after-tax basis. You may contribute any amount to the HSA, up

to federal limits — $3,100 for retiree-only coverage and $6,250 for family

coverage in 2012. If you are at least age 55 during the year, you can also make

additional “catch-up” HSA contributions — up to an additional $1,000 in 2012.

Your after-tax contributions during the year can be deducted on your 2012

tax return.

You can set up an HSA at any time during the year. However, if you want to fund

your HSA right away and be able to use your account for eligible expenses you

have on or after January 1, 2012, you must set up your account before

December 31, 2011.

Using Your HSA Account Funds

You can use the funds in your account to pay for all eligible health care services,

such as doctor’s office visits, hospital care, lab tests, X-rays, medical equipment

and prescription drugs. Any amounts you pay for qualified expenses count towards

meeting your annual deductible. Only charges incurred on or after your HSA is

open are eligible for reimbursement.

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.

22


The SunTrust HSA

You can set up a SunTrust HSA. The SunTrust HSA offers:

• A healthcare payment card and online reimbursement options for easy account

access

• Competitive interest rates, plus a choice of mutual fund options once your

account reaches $3,000

• Online access to account balances, transaction history, and decision support

tools

• Customer service 24/7 through a toll-free number

Using Your HSA Account Funds

You can use the funds in your account to pay for all eligible health care services,

such as doctor’s office visits, hospital care, lab tests, X-rays, medical equipment

and prescription drugs. Any amounts you pay for qualified expenses count towards

meeting your annual deductible and out-of-pocket maximum.

SunTrust Healthcare Payment Card

When you open a SunTrust HSA, you automatically receive a SunTrust Healthcare

Payment Card. The card makes it easy to use funds in your HSA — and you don’t

pay any fees when you use your card.

The card is linked to your HSA account and draws money — up to the balance in

your account — directly from your account when you make purchases at approved

locations. Examples of qualified health care merchants include doctor’s offices,

pharmacies and hospitals. The card should only be used to pay eligible expenses

and you should always save your receipts.

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.

23


Your 2012 Retiree Annual Enrollment Guide

Medical Plan Comparison (for those not eligible for Medicare)

The following chart provides an overview of key benefits under the HDHP, HMO, and PPO plans. You can find

information on prescription drug coverage under the Open Access HMO, PPO, and HDHP plans on page 19. You

can find information on prescription drug coverage under the Kaiser Permanente HMO on page 15.

Annual deductible

Annual out-of-pocket maximum

Lifetime maximum benefit

In-Network

$1,500 — one person

$3,000 — more than one

person

$5,500 — one person

$11,000 — more than one

person

Out-of-Network

(based on R&C allowance)

$3,000 — one person

$6,000 — more than one

person

$11,000 —one person

$22,000 — more than one

person

Unlimited

What the Plan Pays

Preventive care 100%, no deductible 70% after deductible 100% 1

Office visits

• PCP/Physician

• Specialist

Hospital care

• Inpatient services

• Outpatient surgery

Open Access HMO

In-Network Only

$150/individual

$300/family

$2,000/individual

$4,000/family

90% after deductible 70% after deductible 100% after:

• $25 copay

• $35 copay

90% after deductible 1 70% after deductible 90% after deductible 1

Emergency care 90% after deductible 2 70% after deductible 2 100% after $125 copay

(copay waived if admitted)

HDHP

Urgent care 90% after deductible 70% after deductible 100% after $50 copay

Lab and X-ray 90% after deductible 70% after deductible 100%, no deductible

Mental health/substance abuse treatment

• Inpatient

• Outpatient

90% after deductible 70% after deductible

• 90% after deductible

• 100% after $25 copay

1

Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer Society guidelines

are covered at 100%.

2

Emergency care is covered at the in-network benefit level for a life- or limb-threatening emergency.

24


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 retiree-only coverage

If you choose…

You’ll have…

Core level for both

$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

$600 in-network deductible and

90% in-network coinsurance

$400 in-network deductible and

80% in-network coinsurance

$400 in-network deductible and

90% in-network coinsurance

Kaiser Permanente HMO

PPO

In-Network Only In-Network Out-of-Network

(based on R&C allowance)

$150/individual

$300/family

Buy-Up $400/individual $800/family

Core $600/individual $1,200/family

$ 800/individual $1,600/family

$1,200/individual $2,400/family

$2,000/individual

$4,000/family

Buy-Up

Core

$3,000/individual $6,000/family

$4,000/individual $8,000/family

$6,000/individual $12,000/family

$8,000/individual $16,000/family

Unlimited

Unlimited

What the Plan Pays

100% 1 Buy-Up

Core

100% after:

• $25 copay

• $35 copay

Buy-Up

Core

100%, no deductible

90% after deductible

80% after deductible

70% after deductible

60% after deductible

70% after deductible

60% after deductible

90% after deductible 1 Buy-Up 90% after deductible 1

Core 80% after deductible 1 70% after deductible

60% after deductible

100% after $125 copay

(copay waived if admitted)

Buy-Up 90% after deductible 2

70% after deductible 2

Core 80% after deductible 2 60% after deductible 2

100% after $50 copay Buy-Up 90% after deductible

Core 80% after deductible

100%, no deductible Buy-Up 90% after deductible

Core 80% after deductible

70% after deductible

60% after deductible

70% after deductible

60% after deductible

• 90% after deductible

• 100% after $25 copay

Buy-Up

Core

90% after deductible

80% after deductible

70% after deductible

60% after deductible

1

Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer Society guidelines

are covered at 100%.

2

Emergency care is covered at the in-network benefit level for a life- or limb-threatening emergency.

About Preventive Care

Eligible tests and screenings are considered preventive care if performed as part of a routine

examination and considered appropriate based on evidence qualified protocols. Any test or

screenings to diagnose disease based on symptoms will be covered as treatment if eligible. You can

view a list of recommended immunizations and screenings based on your age at the Health &

Welfare section of BENE Online under “Learn More.”

25


Your 2012 Retiree Annual Enrollment Guide

Medicare Supplement Plans

Default Coverage

If you or your spouse have

SunTrust retiree medical

coverage and become

eligible for Medicare, you

automatically will be

enrolled in the Medicare

Plus Plan if you don't

make a choice between

the two options during the

enrollment period.

If you are age 65 or older, or otherwise eligible for Medicare, you will be covered

by one of the SunTrust Medicare supplement plans — the Medicare Plus Plan or

the Medicare Basic Plan.

Both Medicare supplement plans are administered by UMR. Both plans are

intended to coordinate with Medicare benefits to protect you from the out-ofpocket

costs of catastrophic illness. The Medicare supplement plans pay benefits

as though you are enrolled in Medicare Parts A and B — regardless of your actual

enrollment. This means that, if you are not enrolled in Medicare Parts A and B,

you will not be reimbursed for expenses that would have been paid by Medicare.

To ensure that you receive maximum coverage, you must enroll in Medicare

Parts A and B.

The Medicare supplement plans generally pay the difference between the

maximum amount that Medicare authorizes for a medical procedure and what it

actually pays. You are responsible for amounts that exceed the Medicare

allowable charge if you see a physician who does not accept Medicare’s

assignment.

For the Medicare Plus Plan, you are also responsible for an inpatient

hospitalization copay of $200 per Part A deductible applied by Medicare and the

annual Medicare Part B deductible for physician services.

For the Medicare Basic Plan, you are responsible for the first $2,000 of covered

expenses per person, which can include the Part A deductible and hospital copay,

the Part B deductible, and 20% of Medicare-approved charges after the Part B

deductible. After you pay $2,000 per person, the plan pays Medicare-approved

charges not covered by Medicare.

The following chart shows what the Medicare supplement plans pay, based on

what Medicare pays, for certain expenses. There is no lifetime maximum under

the Medicare supplement plans.

Medicare Part A Services

Inpatient hospital

services

Medicare Part B Services

Physician services

Emergency

treatment/Foreign

travel

Medicare Pays Medicare Plus Plan Pays Medicare Basic Plan pays

All but Part A

deductible for up to

150 days

80% of Medicareapproved

charges

after Part B

deductible

Part A deductible after your

$200 copay, plus charge for

days beyond 150 if

medically necessary

20% of Medicare-approved

charges after you pay Part

B deductible

After you have paid the first $2,000

of covered expenses per person in a

year, plus charge for days beyond

150 if medically necessary

20% of Medicare-approved charges

after you pay $2,000 in covered

expenses per person in a year and

any remaining Part B deductible

Nothing 100% 100% after you pay $2,000 in

covered expenses per person

All health benefits shown here are subject to all provisions of the Medicare

supplement plans. The plans generally will not cover any charges that Medicare

does not cover.

26


Prescription Drug Coverage for Both Medicare Supplement Plans

Medicare Part D (Prescription Drug Coverage)

Prescription drug coverage under the Medicare supplement plans is considered to

be at least as good as coverage under Medicare Part D. Unless you are eligible for

a special subsidy under Medicare Part D, the SunTrust coverage is more

comprehensive. More information about the comparison of SunTrust’s and

Medicare’s prescription drug coverage is in the Creditable Coverage Notice on

pages 32-33.

As long as you are not enrolled in Medicare Part D, prescription drug benefits for

either Medicare supplement plan are provided through Express Scripts. If you are

enrolled in Medicare Part D, you are not eligible for prescription drug coverage

through SunTrust even though your premium will not be reduced.

Your prescription drug coverage lets you purchase medications from retail

pharmacies or through Express Scripts’ mail order program. You pay a low, set

copayment for generic medications and a coinsurance amount for brand-name

medications. There is also a limit on the amount of money you will have to spend

out of your pocket during the year for prescription drugs.

Remember that if you are

covered under either

Medicare Supplement plan

and enroll in Medicare

Part D, your coverage will

not provide prescription

drug benefits even though

your premium will not be

reduced.

What You Pay for Prescription Drugs

Annual Out-of-Pocket Maximum

Retail (30-day supply)

$1,500 per person

Generic

$5 copay

Preferred brand-name 30%, max $95

Non-preferred brand-name 40%, max $125

Home Delivery (90-day supply)

Generic

$10 copay

Preferred brand-name 30%, max $190

Non-preferred brand-name 40%, max $250

Prescription drug coverage for the Medicare supplement plans works just like the

Buy-Up coverage for the Open Access HMO and PPO and features all the same

programs. For information on the preferred drug list, the Step Therapy program

and purchasing specialty medications through CuraScript, as well as tips for

managing prescription drug costs, see “Prescription Drug Coverage for the Open

Access HMO, PPO, and HDHP Options” beginning on page 19.

27


Your 2012 Retiree Annual Enrollment Guide

Dental Coverage

CIGNA Dental’s Radius

Network

The CIGNA Basic and Plus

dental plans feature a

broad dental network —

the Radius dental network

— that gives you access to

many dentists and

specialists in your area.

Plus, you'll save money

through negotiated rates!

Go to BENE Online under

the Health & Welfare tab,

choose Planning Tools

from the left and click

"Find a Provider" to search

for a dentist near you. You

can also call 800.769.2116

to use the Dental Office

Locator or speak to a

customer service

representative.

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.

Depending on your 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)

The CIGNA Basic and Plus options are available to all retirees. Both plans have the

same annual deductible and cover preventive care at 100%. The deductible does

not apply to preventive care. Both options pay 80% of the cost for basic care,

such as fillings and root canals, once you meet the deductible.

The CIGNA Plus option also covers major care (such as crowns and bridges) as well

as orthodontia. The annual maximum benefit under this option ($1,500 per

person) is higher than under the CIGNA Basic option ($500 per person), and there

is a separate lifetime maximum for orthodontia benefits ($1,500 per person).

The CIGNA Dental HMO is available only if you live in a CIGNA Dental HMO

network area. When you enroll in the Dental HMO, you select a network general

dentist who provides routine, basic care and refers you to specialty dentists when

necessary. The plan pays benefits only when your network general dentist

provides or coordinates your care. If you seek care on your own, you pay the

entire cost. Payment for services is based on a predetermined patient charge

schedule, available on BENE Online. Procedures not listed on the patient charge

schedule are not covered. If your dentist leaves the network during the year, you

must select a new network general dentist to have care covered by the plan.

Using In-Network Providers

You may use any dentist you choose under the Basic and Plus options.

However, you may pay less if you visit a dentist who participates in CIGNA’s

dental network.

Claims from non-participating providers are subject to the Reasonable and

Customary (R&C) allowances. If you visit a dentist who doesn’t participate in

the network, you will be required to pay any amount over the R&C.

28


Dental Benefits At-a-Glance

Here is an overview of all three dental plan options. See your personalized

worksheet for details on premiums for dental coverage. For the CIGNA Basic and

Plus options, pre-treatment estimates are recommended for procedures expected

to exceed $200 to ensure that services are covered.

Annual deductible

CIGNA Basic* CIGNA Plus* CIGNA Dental HMO

$50 per person $50 per person

None

$150 per family $150 per family

Annual maximum benefit $500 per person $1,500 per person Unlimited

What the Plan Pays

Preventive care

(cleanings, diagnostic

X-rays)

Basic care (fillings,

periodontal care, root

canals)

Major care

(crowns, bridges)

100% 100% Costs based on patient charge

schedule**

80% after deductible 80% after deductible Costs based on patient charge

schedule**

Not covered 50% after deductible Costs based on patient charge

schedule**

Orthodontia Not covered 50%, no deductible

$1,500 lifetime

maximum

Costs based on patient charge

schedule**

* All claims are subject to R&C allowances unless you visit a dentist who participates in CIGNA’s network. Using a preferred

provider could result in lower out-of-pocket expenses.

** The current schedule is available at BENE Online.

29


Your 2012 Retiree Annual Enrollment Guide

Vision Coverage

The vision care benefit, offered through UnitedHealthcare Vision, helps you and your family save money on

exams, eyeglasses, contacts, and laser eye surgery. UnitedHealthcare Vision has a national network of

participating independent doctors and retail chain providers. Whenever you need vision care, you can use any

doctor you want. However, you receive a higher level of benefits when you choose a UnitedHealthcare Vision

in-network provider.

The following is a summary of what the plan pays. See your personalized worksheet for details on premiums

for vision coverage.

Service In-Network Out-of-Network How Often Covered

Routine eye exam 100% after $10 copay Up to $40 allowance Once every calendar year

Lenses 100% after $25 copay Allowance:

• Single vision: Up to $40

• Bifocal: Up to $60

• Trifocal: Up to $80

• Lenticular: Up to $80

Frames*

Allowance:

• Up to $50 wholesale

from private practice

• Up to $130 from retail

chain

Up to $45 allowance

Contact lenses** 100% after $25 copay Allowance:

• Elective: Up to $105

• Medically necessary:

Up to $210

Once every calendar year

Once every two calendar

years

Once every calendar year

* When you use UnitedHealthcare Vision network providers, UnitedHealthcare Vision covers a wide selection of frames, but not

all frames are covered in full.

** Contact lenses are covered in lieu of eyeglass lenses and frames. Up to four boxes of disposable contact lenses may be

covered, depending on the prescription.

Laser eye surgery is also available through the Laser Vision Network of America (LVNA). Call 888.563.4497 or

visit uhclasik.com.

Optional Items Not Covered

Optional items, such as scratch-guard coating and progressive lenses, are not covered under the plan and

are your responsibility to pay.

30


Employee Assistance Program (EAP)

The Employee Assistance Program (EAP) is provided free of charge to all SunTrust

retirees and their immediate families. The EAP offers free, confidential, shortterm

counseling, as well as resource information on a variety of life issues such as

elder care, child care, and general living support.

ComPsych® GuidanceResources® provides professional and personal assistance for

you and your family members for any type of problem. Counseling is given by

experienced, licensed counselors and is available 24 hours a day, seven days a

week. You can receive five visits per issue in any 12-month period at no cost to

you. If you need additional care, services may be covered by your medical plan.

It’s important to check your medical plan coverage, including provider networks,

before you continue care.

You can also use ComPsych® to find resources for elder care. This resource and

referral service helps you explore options, find background information, and

identify resources.

The EAP also offers a resource for getting expert information on a variety of life

tasks. Provided through FamilySource®, this service can save you time and help

minimize the headaches related to:

• Buying homes, cars, or computers

• Planning a vacation or obtaining a passport

• Relocating to a new city

• Having repairs or construction done on your home

• Entertaining family and friends

The EAP also provides financial and legal resources:

• Legal support for issues ranging from divorce and family law to criminal and

civil actions

• Financial help with anything from resolving debt issues to retirement planning

Go to www.guidanceresources.com (ID “SunTrustCares”) or call 877.369.1785.

31


Your 2012 Retiree Annual Enrollment Guide

Legal Notices

Notice About Prescription Drugs and Medicare

SunTrust Banks, Inc. Retiree Health Plan and SunTrust Banks, Inc. Employee Benefit Plan — All

Medical Options Revised September 2011 for 2012 Plan Year

Your Prescription Drug Coverage and Medicare

Important Notice from SunTrust Banks, Inc.

If you or one of your covered dependents is eligible for Medicare benefits, please read this notice

carefully and keep it where you can find it. At the end of this notice is information about where you

can get help to make decisions about your prescription drug coverage.

1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare through

Medicare prescription drug plans and Medicare Advantage Plans that offer prescription drug

coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by

Medicare. Some plans may also offer more coverage for a higher monthly premium.

2. SunTrust has determined that the prescription drug coverage included as part of medical

coverage under either the Retiree Health Plan or the Employee Benefit Plan is, on average for

each plan’s participants, expected to pay out at least as much as the standard Medicare

prescription drug coverage will pay. Therefore, the SunTrust prescription drug benefits under

all medical options are considered Creditable Coverage.

Because the prescription drug coverage through all SunTrust medical plans in 2011 and in 2012

is on average at least as good as standard Medicare prescription drug coverage, you can keep

this coverage and not pay extra if you later decide to enroll in Medicare prescription drug

coverage.

Individuals can enroll in a Medicare prescription drug plan when they first become eligible for

Medicare and each year from October 15 through December 7. Beneficiaries leaving employer/union

coverage may be eligible for a Special Enrollment Period to sign up for a Medicare prescription drug

plan.

You should compare your current coverage, including which drugs are covered, with the coverage

and cost of the plans offering Medicare prescription drug coverage in your area.

A description of SunTrust’s prescription drug coverage is included in the SunTrust Retiree Summary

Plan Descriptions and the SunTrust Benefits Summary Plan Descriptions. It is also described in this

SunTrust 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.

32


You should also know that, once Medicare-eligible, if you drop or lose your SunTrust medical

coverage (because of failure to pay premiums) and don’t enroll in Medicare prescription drug

coverage soon after your SunTrust coverage ends, you may pay more (a penalty) to enroll in

Medicare prescription drug coverage later.

Specifically, if you go 63 days or longer without prescription drug coverage that’s at least as good

as Medicare’s prescription drug coverage, your Medicare Part D monthly premium will go up at least

1% per month for every month that you were eligible but did not have that coverage. For example,

if you go 19 months without coverage, your premium will always be at least 19% higher than what

most other people pay. You’ll have to pay this higher premium as long as you have Medicare

prescription drug coverage. In addition, you may have to wait until the next November to enroll.

For more information about your options under Medicare prescription drug coverage…

More detailed information about Medicare plans that offer prescription drug coverage is in the

Medicare & You handbook. A new version of this handbook is mailed every year to Medicare

beneficiaries directly from Medicare. You may also be contacted directly by Medicare prescription

drug plans. For more information about Medicare prescription drug plans:

• Visit www.medicare.gov

• Call your State Health Insurance Assistance Program (see your copy of the Medicare & You

handbook for their telephone number) for personalized help

• Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.

For people with limited income and resources, extra help paying for Medicare prescription drug

coverage is available. Information about this extra help is available from the Social Security

Administration (SSA) online at www.socialsecurity.gov, or you may call them at 1-800-772-1213

(TTY 1-800-325-0778).

Remember: Keep this notice if you are eligible for Medicare or will become eligible within the

next 12 months. If you enroll in one of the plans approved by Medicare which offer

prescription drug coverage, you may be required to provide a copy of this notice when you

join to show that you are not required to pay a higher premium amount.

For more information about this notice or your current prescription drug coverage…

Contact BENE Online (https://www.benefitsweb.com/suntrust.html) or at 800.818.2363.

NOTE: You may receive this notice at other times in the future such as before the next period you

can enroll in Medicare prescription drug coverage, and if this coverage changes. You also may

request a copy of this notice at any time.

33


Your 2012 Retiree Annual Enrollment Guide

Medicaid and the Children’s Health Insurance Program (CHIP)

Offer Free or Low-Cost Health Coverage to Children and Families

If you are eligible for health coverage from your employer, but are unable to afford the premiums,

some states have premium assistance programs that can help pay for coverage. These states use

funds from their Medicaid or CHIP programs to help people who are eligible for employer-sponsored

health coverage, but need assistance in paying their health premiums.

If you or your dependents are already enrolled in Medicaid or CHIP and you live in a state listed

below, you can contact your state Medicaid or CHIP office to find out if premium assistance is

available.

If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any

of your dependents might be eligible for either of these programs, you can contact your state

Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply.

If you qualify, you can ask the state if it has a program that might help you pay the premiums for an

employer-sponsored plan.

Once it is determined that you or your dependents are eligible for premium assistance under

Medicaid or CHIP, your employer’s health plan is required to permit you and your dependents to

enroll in the plan – as long as you and your dependents are eligible, but not already enrolled in the

employer’s plan. This is called a “special enrollment” opportunity, and you must request coverage

within 60 days of being determined eligible for premium assistance.

If you live in one of the following States, you may be eligible for assistance paying your employer

health plan premiums. The following list of States is current as of January 1, 2011. You should

contact your State for further information on eligibility.

ALABAMA – Medicaid

Website: http://www.medicaid.alabama.gov

Phone: 1-800-362-1504

ALASKA – Medicaid

Website:

http://health.hss.state.ak.us/dpa/programs/medicaid/

Phone (Outside of Anchorage): 1-888-318-8890

Phone (Anchorage): 1-907-269-6529

ARIZONA – CHIP

Website:

http://www.azahcccs.gov/applicants/default.aspx

Phone: 1-877-764-5437

ARKANSAS – CHIP

Website: http://www.arkidsfirst.com/

Phone: 1-888-474-8275

CALIFORNIA – Medicaid

Website: http://www.dhcs.ca.gov/services/Pages/

TPLRD_CAU_cont.aspx

Phone: 1-866-298-8443

COLORADO – Medicaid and CHIP

Medicaid Website: http://www.colorado.gov/

Medicaid Phone: 1-800-866-3513

CHIP Website: http://www.CHPplus.org

CHIP Phone: 1-303-866-3243

FLORIDA – Medicaid

Website:

http://www.fdhc.state.fl.us/Medicaid/index.shtml

Phone: 1-877-357-3268

GEORGIA – Medicaid

Website: http://dch.georgia.gov/

Click on “Programs,” then “Medicaid”

Phone: 1-800-869-1150

34


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/2408.htm

Phone: 1-877-438-4479

IOWA – Medicaid

Website: www.dhs.state.ia.us/hipp/

Phone: 1-888-346-9562

KANSAS – Medicaid

Website: https://www.khpa.ks.gov

Phone: 1-800-792-4884

KENTUCKY – Medicaid

Website: http://chfs.ky.gov/dms/default.htm

Phone: 1-800-635-2570

LOUISIANA – Medicaid

Website: http://www.lahipp.dhh.louisiana.gov

Phone: 1-888-342-6207

MAINE – Medicaid

Website: http://www.maine.gov/dhhs/oms/

Phone: 1-800-321-5557

MASSACHUSETTS – Medicaid and CHIP

Medicaid and CHIP Website:

http://www.mass.gov/MassHealth

Medicaid and CHIP Phone: 1-800-462-1120

MINNESOTA – Medicaid

Website: http://www.dhs.state.mn.us/

Click on “Health Care,” then “Medical Assistance”

Phone: 1-800-657-3739

MISSOURI – Medicaid

Website: http://www.dss.mo.gov/mhd/index.htm

Phone: 1-573-751-2005

MONTANA – Medicaid

Website: http://medicaidprovider.hhs.mt.gov/clientpages/

clientindex.shtml

Telephone: 1-800-694-3084

NEBRASKA – Medicaid

Website: http://www.dhhs.ne.gov/med/medindex.htm

Phone: 1-877-255-3092

NEVADA – Medicaid and CHIP

Medicaid Website: http://dwss.nv.gov/

Medicaid Phone: 1-800-992-0900

CHIP Website: http://www.nevadacheckup.state.nv.org/

CHIP Phone: 1-877-543-7669

NEW HAMPSHIRE – Medicaid

Website: http://www.dhhs.nh.gov/ombp/index.htm

Phone: 1-603-271-4238

NEW JERSEY – Medicaid and CHIP

Medicaid Website: http://www.state.nj.us/

humanservices/dmahs/clients/medicaid/

Medicaid Phone: 1-800-356-1561

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

Medicaid Phone: 1-888-997-2583

CHIP Website:

http://www.hsd.state.nm.us/mad/index.html

Click on “Insure New Mexico”

CHIP Phone: 1-888-997-2583

NEW YORK – Medicaid

Website: http://www.nyhealth.gov/health_care/medicaid/

Phone: 1-800-541-2831

Website: http://www.nc.gov

Phone: 1-919-855-4100

NORTH CAROLINA – Medicaid

NORTH DAKOTA – Medicaid

Website:

http://www.nd.gov/dhs/services/medicalserv/medicaid/

Phone: 1-800-755-2604

OKLAHOMA – Medicaid

Website: http://www.insureoklahoma.org

Phone: 1-888-365-3742

OREGON – Medicaid and CHIP

Medicaid & CHIP Website:

http://www.oregonhealthykids.gov

Medicaid & CHIP Phone: 1-877-314-5678

PENNSYLVANIA – Medicaid

Website: http://www.dpw.state.pa.us/partnersproviders/

medicalassistance/doingbusiness/003670053.htm

Phone: 1-800-644-7730

35


Your 2012 Retiree Annual Enrollment Guide

Website: www.dhs.ri.gov

Phone: 1-401-462-5300

RHODE ISLAND – Medicaid

SOUTH CAROLINA – Medicaid

Website: http://www.scdhhs.gov

Phone: 1-888-549-0820

TEXAS – Medicaid

Website: https://www.gethipptexas.com/

Phone: 1-800-440-0493

UTAH – Medicaid

Website: http://health.utah.gov/upp/

Phone: 1-866-435-7414

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

WASHINGTON – Medicaid

Website:

http://hrsa.dshs.wa.gov/premiumpymt/Apply.shtm

Phone: 1-800-562-3022 ext. 15473

WEST VIRGINIA – Medicaid

Website: http://www.wvrecovery.com/hipp.asp

Phone: 1-304-342-1604

WISCONSIN – Medicaid

Website: http://badgercareplus.org/pubs/p-10095.htm

Phone: 1-800-362-3002

VERMONT– Medicaid

Website: http://ovha.vermont.gov/

Telephone: 1-800-250-8427

WYOMING – Medicaid

Website:

http://www.health.wyo.gov/healthcarefin/index.html

Telephone: 1-307-777-7531

To see if any more states have added a premium assistance program since January 1, 2011, or for more

information on special enrollment rights, you can contact either:

U.S. Department of Labor

Employee Benefits Security Administration

www.dol.gov/ebsa

1-866-444-EBSA (3272)

U.S. Department of Health and Human Services

Centers for Medicare & Medicaid Services

www.cms.hhs.gov

1-877-267-2323, Ext. 61565

36


Finding Network Providers

To find a provider for…

Any medical, dental, or

vision plan

Aetna medical plans

Anthem BlueCross BlueShield

medical plans

CIGNA medical plans

Kaiser Permanente HMO

medical plans

Go online to…

BENE Online at https://www.benefitsweb.com/suntrust.html

Provider lookup is under Health & Welfare in the “Planning Tools” section

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 Select SM

• For PPO: Choose Aetna Open Access Plans and Aetna Choice ® POS II as the plan

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”

www.mycignaplans.com

• Open Enrollment ID: SunTrust 2012

• Open Enrollment Password: cigna

• Complete the geographic information

• Enter your search criteria in the Provider Directory

For all plans (HMO, PPO, and HDHP): Select the Open Access Plus network

www.kp.org/medicalstaff

Select your region and click “Continue”

For Georgia (Atlanta), click “medical staff directories” link, in the “Signature HMO

Plans” section. Click “Signature HMO” for plan type. Click “ Kaiser Permanente

medical center practitioners (The Southeast Permanente Medical Group, Inc.)” as

your provider.

For Maryland/Virginia/Washington DC (DC/Baltimore), select “Search for a specialist,

hospital, or affiliated provider.” Then scroll down and click the “Kaiser Permanente

Signature HMO” link.

UnitedHealthcare medical plans www.myuhc.com/groups/suntrustbank

Select “Find a Physician and Facilities”

CIGNA dental plans

UnitedHealthcare Vision plan

www.cigna.com

Select “Provider Directory” at the top

Click “Dentist,” enter search criteria (city or zip code), then “Next”

For the Dental HMO, choose “CIGNA Dental Care (HMO)”

For the Basic or Plus plans, choose “CIGNA Dental PPO” and the Radius Network

For the Dental Network Savings Program:

Select “Out-of-network savings program” (secondary network that can be used if you

are unable to locate a provider in the Radius Network)

https://www.myuhcvision.com/members/index.jsp

Select “Provider Locator”

Select current or future member and enter the requested information

This brochure is only an overview of SunTrust retiree health care benefits as of January 1, 2012. The

information provided in this brochure is subject to the official plan documents, which will control

in the event of any conflict, difference, or error. The Company reserves the right to amend or terminate

any of its retiree benefit plans in the future.

October 2011


2012 Retiree Annual Enrollment Guide

More magazines by this user
Similar magazines