Retiree Annual Enrollment Guide

2012 Retiree Annual Enrollment Guide 2012 Retiree Annual Enrollment Guide  Enroll from October 11th through October 26th You r 2 0 1 2 Re t i re...
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2012 Retiree Annual Enrollment Guide

2012

Retiree Annual Enrollment Guide

 Enroll from October 11th through October 26th

You r 2 0 1 2 Re t i re e An n u a l En rollm e n t G u i d e

Contact Information

Finding Network Providers

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 800.835.6167 www.aetnanavigator.com (member information)

To find a provider for…

Go online to…

Any medical, dental, or vision plan

BENE Online at https://www.benefitsweb.com/suntrust.html Provider lookup is under Health & Welfare in the “Planning Tools” section

Aetna medical plans

www.aetna.com/docfind Search for provider by zip code, city, or county, and then choose the applicable state. 1. Complete the appropriate geographic information, and select the type of provider. 2. Select one of the two combinations: • For HMO: Choose Aetna Standard Plans and Open Access Aetna SelectSM • For PPO: Choose Aetna Open Access Plans and Aetna Choice® POS II as the plan

Anthem BlueCross BlueShield medical plans

www.anthem.com Select “Find a Doctor” and hit “Go” Select “Search the National BlueCard Network” and hit “Next” Until you get your ID card, select “PPO” under “Guests” and hit “Next”

CIGNA medical plans

www.mycignaplans.com • Open Enrollment ID: 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

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.

Anthem BlueCross BlueShield — www.anthem.com Medical

877.331.4654

CIGNA — Medical

www.mycignaplans.com Open Enrollment ID: SunTrust2012 Open Enrollment Password: cigna www.mycigna.com (member information)

800.769.2116

For both locations: http://my.kp.org/SunTrust

404.365.4110 (Atlanta) 877.218.7739 (DC/Baltimore)

UnitedHealthcare – Medical

Pre-enrollment website: www.myuhc.com/groups/suntrustbank

877.885.8454

Health Savings Account

www.connectyourcare.com/suntrustpf/

866.442.1313

SunTrust’s Medicare supplement plans

https://member-fhs.umr.com

800.430.4308

Express Scripts prescription drug benefits (all plans except Kaiser Permanente HMO)

www.express-scripts.com or https://member.express-scripts.com/preview/ suntrust2012 (Express Preview)

877.242.1128 (general information) 800.824.0898 (pharmacy help desk) 866.848.9870 (CuraScript)

CIGNA — Dental

www.mycigna.com

800.769.2116

UnitedHealthcare Vision plan

www.myuhcspecialtybenefits.com

800.638.3120 (member services) 800.839.3242 (for network providers)

Employee Assistance Program (EAP)

www.guidanceresources.com (use ID “SunTrustCares”)

877.369.1785

UnitedHealthcare medical plans www.myuhc.com/groups/suntrustbank Select “Find a Physician and Facilities”

800.687.2359

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: Select “Out-of-network savings program” (secondary network that 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

Kaiser Permanente HMO: Atlanta DC/Baltimore

Sparkfly, the teammate/retiree Available from BENE Online discount program

See the inside back cover for information on finding a network provider.

This brochure is only an overview of SunTrust retiree health care benefits as of January 1, 2012. The information provided in this brochure is subject to the official plan documents, which will control in the event of any conflict, difference, or error. The Company reserves the right to amend or terminate any of its retiree benefit plans in the future. October 2011

Welcome to Your 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.

2012 Annual Enrollment is October 11 to October 26, 2011.

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.

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

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Annual Enrollment for 2012 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). 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.

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).

Retirees/Dependents Under Age 65 (and not Medicare-eligible) Medical (All options include prescription drug coverage)

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Options are available based on zip code and may include: • Open Access HMO • Kaiser Permanente HMO (Atlanta and DC/Baltimore areas only) • Build-Your-Own PPO • High Deductible Health Plan (HDHP) with optional HSA

Retirees/Dependents Age 65 or Older (or Medicare-eligible) Medicare Plus Plan Medicare Basic Plan

Dental

CIGNA Basic Dental Plan CIGNA Plus Dental Plan CIGNA Dental HMO (available based on zip code)

Vision

UnitedHealthcare Vision Plan

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.

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.

Dependent Children Eligibility Change Your dependent children up to age 26 will be eligible for SunTrust medical coverage in 2012 whether or not they are eligible for medical coverage elsewhere. Currently, children who have coverage through their own employer are not eligible. 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.

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How to Enroll You can enroll online or by phone from October 11 through October 26, 2011. To enroll via BENE Online

To enroll by phone

BENE Online is available 24/7. 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.

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.

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Taking Part in SunTrust Benefits Your Eligible Dependents Your eligible dependents include:

• Your spouse

Dependent Eligibility Audit

• 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.)

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.

• 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.

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.

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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.

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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.

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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.

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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.

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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.

Tools to Help You Choose a Medical Plan If You Are Medicare Eligible You can go to BENE Online to see information on the Employee Assistance Program, Sparkfly, Other Health Care Web sites, and News and Information. Anyone who is Medicare eligible does not have access to the other tools described here and on page 11.

Compare Health Plans Health Plan Evaluator lets you compare plan features side-by-side and estimate how much each plan would cost in 2012 based on premiums plus your out-ofpocket cost for the medical care you anticipate. 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.

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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.

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Medical Coverage If You Are Not Yet Medicare Eligible 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) See “Terms to Know” on page 13 for key definitions.

While all your medical plan options cover the same services, including preventive care, there are differences in how the plans work — how you pay for coverage versus how you pay for care, how you manage your benefits, and how you manage health care costs.

Comparing Plan Features for 2012 Open Access HMO

Kaiser Permanente HMO

Build-Your-Own PPO

HDHP

Yes — Broad

Yes — Limited

Yes — Broad

Yes — Broad

Offers flexibility to use outof-network providers

No

No

Yes — paid at out-of-network level

Yes — paid at out-of-network level

Requires you to choose a PCP

No

Yes

No

No

Requires PCP referral for specialist care

No

Yes

No

No

Has an annual deductible you must meet before the plan pays most benefits

Yes*

Yes*

Yes

Yes

Features copays for office visit services

Yes

Yes

No

No

Yes**

Yes***

Yes

Yes

Covers in-network preventive services at 100% (see Medical Plan Comparison for more detail)

Yes

Yes

Yes

Yes

Allows you to enroll in an HSA to save pre-tax for medical expenses

No

No

No

Yes

Features a network of providers

Has an annual limit on your out-of-pocket spending

*

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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

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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.

Refer to “Medical Plan Comparison” on page 24 for details on copayment and out-ofpocket maximum amounts.

HMOs provide medical treatment and services through a network of doctors, hospitals, and other providers. Except for medical emergencies, all care must be received from network providers. If you use a provider who does not belong to the network, you are responsible for the full cost. Copayments apply to office services, emergency room, and urgent care services. Preventive care is covered at 100% with no copayment. You must meet an annual deductible before the plan begins to pay for most services received outside the doctor’s office. For services that are not covered by a copayment, you pay coinsurance after you meet the deductible. You also have the protection of an annual out-of-pocket maximum. If you reach your out-of-pocket maximum during the year, the plan pays 100% of the cost for all additional eligible medical expenses you and your family would need for the rest of the year, other than those requiring a set copayment. For some covered services, there are differences in how the Open Access HMO the Kaiser HMO (Atlanta area) and the Kaiser HMO (DC/Baltimore area) pay benefits. For more detail on covered services, go to BENE Online to the “Documents and Forms” section and click on “Benefit Plan Overviews” to find the 2012 HMO Comparison Chart. Open Access HMO The Open Access HMO allows you to visit any doctor in your network. You don’t need a referral to see a specialist. Although you are not required to name a Primary Care Physician, we encourage you to use a primary doctor. Your primary doctor can help coordinate all of your care, including: • Providing routine and preventive care • Offering guidance on seeking care from a specialist in the network • Helping to arrange hospital stays and other outpatient treatment within the network You must use providers in the Open Access network to receive benefits. If you go to a non-network provider, the plan will not pay for care unless you are being treated for a life-threatening emergency. Prescription Drug Benefits Your prescription drug benefits are provided through Express Scripts. This Express Scripts coverage features copayments and coinsurance, and an out-of-pocket maximum that is separate from the HMO maximum. When you enroll for medical coverage, you choose from two different prescription drug levels to complete your medical benefit election. 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.

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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

$10 copay

Preferred brand-name

$25 copay

Non-Preferred brand-name

$40 copay

Home Delivery (90-day supply) Generic

$20 copay

Preferred brand-name

$50 copay

Non-Preferred brand-name

$80 copay

Preferred Provider Organizations (PPOs) All retirees are eligible for the Preferred Provider Organization (PPO) plan. How the PPO 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.

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You must meet an annual deductible before the plan begins to pay for most eligible benefits. Preventive care from in-network providers is covered at 100% with no deductible. Once you meet your deductible, the plan pays a percentage of the cost of care — also known as coinsurance — and you pay the rest. Remember that when you use out-of-network providers you are also responsible for any costs over R&C allowances. After meeting your out-of-pocket maximum for the year, eligible expenses will be covered at 100%. Building Your Own PPO Plan The PPO is based on a Core level of benefits. You have a choice of two options for deductibles and two options for coinsurance and out-of-pocket maximums — Core or Buy-Up. Your choices for annual deductible options and coinsurance/annual out-of-pocket maximum options are shown here. The Health Plan Evaluator tool at BENE Online can help you determine what mix may work best for you based on your anticipated medical care needs. Annual Deductible Options Option

In-Network

Out-of-Network

Buy-Up

$400/individual $800/family

$800/individual $1,600/family

Core

$600/individual $1,200/family

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

Coinsurance and Annual Out-of-Pocket Maximum Options In-Network

Out-of-Network

Option

Coinsurance

Out-of-Pocket Maximum

Coinsurance

Buy-Up

90%

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

70%

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

Core

80%

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

60%

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

Out-of-Pocket Maximum

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.

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High Deductible Health Plan (HDHP) The High Deductible Health Plan (HDHP) is available to all retirees who are not Medicare eligible and live in the HDHP network area. In combination with a Health Savings Account (HSA), it offers a powerful way to take control of your health care costs. With the HDHP, you reduce your premiums and pay a higher deductible if you need care during the year. In-network preventive care is covered at 100%, even before you meet the deductible. The HDHP features a network of providers. • You can use any provider or facility you want with the HDHP. • When you use in-network providers, however, you receive a higher level of benefits and pay less out of your pocket for services. • When you use out-of-network providers, you are responsible for any charges above Reasonable and Customary (R&C) allowances, and you may have to file your own claims.

The HDHP — How It Works 1

Preventive Care In-network preventive care is covered at 100%, including the cost of routine colonoscopies when performed in accordance with the American Cancer Society guidelines.

* Annual deductibles and out-of-pocket maximums shown here apply only for in-network services. See “Medical Plan Comparison” for details on out-of-network annual deductibles and out-ofpocket maximums.

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Annual In-Network Deductible* You must meet this before the plan pays benefits, including prescription benefits: • $1,500 if one person is enrolled • $3,000 if more than one person is enrolled (total family deductible must be met before benefits begin for any family member)



3



Your Optional HSA Account You can set up an HSA to cover out-of-pocket expenses such as the deductible and coinsurance.



You can contribute pre-tax up to: $3,100 per individual $6,250 per family (plus an additional $1,000 catch-up contribution if you are at least age 55 during the year)

You meet your annual deductible 4

Coinsurance The plan shares the cost by paying coinsurance: Plan pays 90% in-network Plan pays 70% out-of-network



You pay your share of coinsurance up to 5

Annual In-Network Out-of-Pocket Maximum* You won’t pay more than this during the year for eligible expenses, including prescriptions: • $5,500 if one person is enrolled • $11,000 if more than one person is enrolled (total family out-of-pocket maximum must be met before the plan pays 100% of eligible expenses)





If you meet the annual out-of-pocket maximum 6

The Plan Pays 100% If you reach your out-of-pocket maximum, the plan pays 100% of any additional eligible medical and prescription drug expenses

Funds can be used to pay for eligible health care expenses, or can be saved for future medical expenses. Whatever you don’t use each year rolls over from year to year and continues to earn interest — and funds used for eligible medical expenses are not taxed. It’s a savings account for your future medical care. As long as you use your account for eligible medical expenses, the money remains tax free.

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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.

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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

None

None

HDHP annual deductible applies. See page 24.

$1,500 per person

$3,000 per person

HDHP out-of-pocket maximum applies. See page 24.

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*

$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*

Annual Deductible Annual Out-of-Pocket Maximum

Home Delivery (90-day supply) Generic

*

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

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Step Therapy Program If you do not participate in Step Therapy when required, a brand name drug will not be covered.

Under Step Therapy, you must try a first-step drug treatment — usually a generic — before a higher cost brand-name drug is covered. If the first line drug is not effective or there is a clinical reason that it cannot be used, another medication would be approved. You are required to participate in the Step Therapy program for all the classes of medications listed below. • Proton pump inhibitors • ARB’s, ACE’s, Calcium Channel Blockers and Beta Blockers to treat high blood pressure • Brand NSAID’s & COX2’s for pain and inflammation • Leukotriene inhibitors for asthma • HMG Enhanced for cholesterol • SSRI’s and other antidepressants • Non-sedating antihistamines • Hypnotics for sleep aid • Antivirals • Topical immunondulators (eczema)

• Bisphosphonates for osteoporosis • Lyrica for seizures and nerve pain • Overactive bladder medications • Tekturna for hypertension • Avodart for BPH • Fenofibrate for cholesterol • Januvia and Thiazolidinedione (TZD) for diabetes • Nasal Steroids for allergy • Topical Corticosteroids for inflammatory skin conditions • Xopenex for asthma

Specialty Medications through CuraScript If you take any oral or injectable specialty medications, including selfadministered drugs, you must purchase these medications through CuraScript, an Express Scripts subsidiary. You may fill your initial prescription at a retail pharmacy but then must use CuraScript for your subsequent refills to be covered. CuraScript provides better discounts than retail costs. You’ll also receive delivery of specialty medication and supplies to your home, doctor’s office, or any other location, usually within 24 hours — and you have access to call center assistance, so you can talk toll-free with pharmacists and nurses.

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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.

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The Health Savings Account (HSA) The SunTrust HSA You can set up an HSA with SunTrust. See page 23 for more details. If you are interested in opening an account please visit connectyourcare.com/ suntrustpf/

When you enroll in the HDHP, you have the choice to establish an HSA as a way to save money to pay for qualified expenses you pay out of your pocket. You can set up an HSA at the financial institution of your choice, contribute aftertax dollars and use those dollars to pay for out-of-pocket health care expenses, like your premiums, deductible and coinsurance. You decide how to use your HSA funds, and any funds you don’t use during the year roll over — building an account you can use for future health care expenses. Contributing to the HSA When you set up an HSA, you make contributions directly to the financial institution on an after-tax basis. You may contribute any amount to the HSA, up to federal limits — $3,100 for retiree-only coverage and $6,250 for family coverage in 2012. If you are at least age 55 during the year, you can also make additional “catch-up” HSA contributions — up to an additional $1,000 in 2012. Your after-tax contributions during the year can be deducted on your 2012 tax return. You can set up an HSA at any time during the year. 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.

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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.

No matter how you seek reimbursement through your HSA, the account will only reimburse you up to the amount in the account at the time the claim is submitted or the card is used. If you pay for medical expenses out of your own pocket because you don’t have enough money in your account to cover them at the time, you can request reimbursement later when your account balance allows, as long as your account was open at the time you received services.

The card is linked to your HSA account and draws money — up to the balance in your account — directly from your account when you make purchases at approved locations. Examples of qualified health care merchants include doctor’s offices, pharmacies and hospitals. The card should only be used to pay eligible expenses and you should always save your receipts.

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Medical Plan Comparison (for those not eligible for Medicare) The following chart provides an overview of key benefits under the HDHP, HMO, and PPO plans. You can find information on prescription drug coverage under the Open Access HMO, PPO, and HDHP plans on page 19. You can find information on prescription drug coverage under the Kaiser Permanente HMO on page 15.

HDHP In-Network

Open Access HMO

Out-of-Network (based on R&C allowance)

Annual deductible

$1,500 — one person $3,000 — more than one person

Annual out-of-pocket maximum

$5,500 — one person $11,000 —one person $11,000 — more than one $22,000 — more than one person person

Lifetime maximum benefit

$3,000 — one person $6,000 — more than one person

In-Network Only $150/individual $300/family $2,000/individual $4,000/family

Unlimited

What the Plan Pays

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Preventive care

100%, no deductible

70% after deductible

100%1

Office visits • PCP/Physician • Specialist

90% after deductible

70% after deductible

100% after: • $25 copay • $35 copay

Hospital care • Inpatient services • Outpatient surgery

90% after deductible1

70% after deductible

90% after deductible1

Emergency care

90% after deductible2

70% after deductible2

100% after $125 copay (copay waived if admitted)

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.

For example: if you enroll in the PPO for retiree-only coverage About the PPO Options Remember you can choose the core or buy-up deductible level and the core or buy-up coinsurance/ out-of-pocket maximum level to build your own PPO.

If you choose… Core level for both

You’ll have… $600 in-network deductible and 80% in-network coinsurance

Core for deductible and buy-up for coinsurance/out-of-pocket maximum

$600 in-network deductible and 90% in-network coinsurance

Buy-up for deductible and core for coinsurance/out-of-pocket maximum Buy-up level for both

$400 in-network deductible and 80% in-network coinsurance $400 in-network deductible and 90% in-network coinsurance

Kaiser Permanente HMO

PPO In-Network

In-Network Only

Out-of-Network (based on R&C allowance)

$150/individual $300/family

Buy-Up Core

$400/individual $600/individual

$800/family $ 800/individual $1,600/family $1,200/family $1,200/individual $2,400/family

$2,000/individual $4,000/family

Buy-Up Core

$3,000/individual $6,000/family $6,000/individual $12,000/family $4,000/individual $8,000/family $8,000/individual $16,000/family

Unlimited

Unlimited

What the Plan Pays 100%1

Buy-Up Core

100%, no deductible

70% after deductible 60% after deductible

Buy-Up Core

90% after deductible 80% after deductible

70% after deductible 60% after deductible

90% after deductible1

Buy-Up Core

90% after deductible1 80% after deductible1

70% after deductible 60% after deductible

100% after $125 copay (copay waived if admitted)

Buy-Up Core

90% after deductible2 80% after deductible2

70% after deductible2 60% after deductible2

100% after $50 copay

Buy-Up Core

90% after deductible 80% after deductible

70% after deductible 60% after deductible

100%, no deductible

Buy-Up Core

90% after deductible 80% 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

100% after: • $25 copay • $35 copay

1

Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer Society guidelines are covered at 100%.

2

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

About Preventive Care Eligible tests and screenings are considered preventive care if performed as part of a routine examination and considered appropriate based on evidence qualified protocols. Any test or screenings to diagnose disease based on symptoms will be covered as treatment if eligible. You can view a list of recommended immunizations and screenings based on your age at the Health & Welfare section of BENE Online under “Learn More.”

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Medicare Supplement Plans If you are age 65 or older, or otherwise eligible for Medicare, you will be covered by one of the SunTrust Medicare supplement plans — the Medicare Plus Plan or the Medicare Basic Plan.

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.

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 Pays

Medicare Plus Plan Pays

Medicare Basic Plan pays

Medicare Part A Services Inpatient hospital services

All but Part A deductible for up to 150 days

Part A deductible after your After you have paid the first $2,000 $200 copay, plus charge for of covered expenses per person in a days beyond 150 if year, plus charge for days beyond medically necessary 150 if medically necessary

Medicare Part B Services Physician services

80% of Medicareapproved charges after Part B deductible

20% of Medicare-approved charges after you pay Part B deductible

20% of Medicare-approved charges after you pay $2,000 in covered expenses per person in a year and any remaining Part B deductible

Emergency treatment/Foreign travel

Nothing

100%

100% after you pay $2,000 in covered expenses per person

All health benefits shown here are subject to all provisions of the Medicare supplement plans. The plans generally will not cover any charges that Medicare does not cover.

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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

$1,500 per person

Retail (30-day supply) Generic Preferred brand-name

$5 copay 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.

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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.

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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.

Dental Benefits At-a-Glance Here is an overview of all three dental plan options. See your personalized worksheet for details on premiums for dental coverage. For the CIGNA Basic and Plus options, pre-treatment estimates are recommended for procedures expected to exceed $200 to ensure that services are covered.

Annual deductible

CIGNA Basic* $50 per person $150 per family

CIGNA Plus* $50 per person $150 per family

CIGNA Dental HMO None

Annual maximum benefit

$500 per person

$1,500 per person

Unlimited

Preventive care (cleanings, diagnostic X-rays)

100%

100%

Costs based on patient charge schedule**

Basic care (fillings, periodontal care, root canals)

80% after deductible

80% after deductible

Costs based on patient charge schedule**

Major care (crowns, bridges)

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**

What the Plan Pays

* All claims are subject to R&C allowances unless you visit a dentist who participates in CIGNA’s network. Using a preferred provider could result in lower out-of-pocket expenses. ** The current schedule is available at BENE Online.

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Vision Coverage The vision care benefit, offered through UnitedHealthcare Vision, helps you and your family save money on exams, eyeglasses, contacts, and laser eye surgery. UnitedHealthcare Vision has a national network of participating independent doctors and retail chain providers. Whenever you need vision care, you can use any doctor you want. However, you receive a higher level of benefits when you choose a UnitedHealthcare Vision in-network provider. The following is a summary of what the plan pays. See your personalized worksheet for details on premiums for vision coverage. In-Network

Service

Out-of-Network

How Often Covered

Routine eye exam

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

Once every calendar year

Frames*

Allowance: • Up to $50 wholesale from private practice • Up to $130 from retail chain

Up to $45 allowance

Once every two calendar years

Contact lenses**

100% after $25 copay

Allowance: • Elective: Up to $105 • Medically necessary: Up to $210

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.

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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.

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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.

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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.

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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

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CALIFORNIA – Medicaid Website: http://www.dhcs.ca.gov/services/Pages/ TPLRD_CAU_cont.aspx Phone: 1-866-298-8443 COLORADO – Medicaid and CHIP Medicaid Website: http://www.colorado.gov/ Medicaid Phone: 1-800-866-3513 CHIP Website: http://www.CHPplus.org CHIP Phone: 1-303-866-3243 FLORIDA – Medicaid Website: http://www.fdhc.state.fl.us/Medicaid/index.shtml Phone: 1-877-357-3268 GEORGIA – Medicaid Website: http://dch.georgia.gov/ Click on “Programs,” then “Medicaid” Phone: 1-800-869-1150

IDAHO – Medicaid and CHIP Medicaid Website: www.accesstohealthinsurance.idaho.gov 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 NORTH CAROLINA – Medicaid Website: http://www.nc.gov Phone: 1-919-855-4100 NORTH DAKOTA – Medicaid Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/ Phone: 1-800-755-2604 OKLAHOMA – Medicaid Website: http://www.insureoklahoma.org Phone: 1-888-365-3742 OREGON – Medicaid and CHIP Medicaid & CHIP Website: http://www.oregonhealthykids.gov Medicaid & CHIP Phone: 1-877-314-5678 PENNSYLVANIA – Medicaid Website: http://www.dpw.state.pa.us/partnersproviders/ medicalassistance/doingbusiness/003670053.htm Phone: 1-800-644-7730 35

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RHODE ISLAND – Medicaid Website: www.dhs.ri.gov Phone: 1-401-462-5300

SOUTH CAROLINA – Medicaid Website: http://www.scdhhs.gov Phone: 1-888-549-0820 TEXAS – Medicaid Website: https://www.gethipptexas.com/ Phone: 1-800-440-0493 UTAH – Medicaid Website: http://health.utah.gov/upp/ Phone: 1-866-435-7414

VERMONT– Medicaid Website: http://ovha.vermont.gov/ Telephone: 1-800-250-8427

VIRGINIA – Medicaid and CHIP Medicaid Website: http://www.dmas.virginia.gov/rcpHIPP.htm 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

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)

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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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Contact Information

Finding Network Providers

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 800.835.6167 www.aetnanavigator.com (member information)

To find a provider for…

Go online to…

Any medical, dental, or vision plan

BENE Online at https://www.benefitsweb.com/suntrust.html Provider lookup is under Health & Welfare in the “Planning Tools” section

Aetna medical plans

www.aetna.com/docfind Search for provider by zip code, city, or county, and then choose the applicable state. 1. Complete the appropriate geographic information, and select the type of provider. 2. Select one of the two combinations: • For HMO: Choose Aetna Standard Plans and Open Access Aetna SelectSM • For PPO: Choose Aetna Open Access Plans and Aetna Choice® POS II as the plan

Anthem BlueCross BlueShield medical plans

www.anthem.com Select “Find a Doctor” and hit “Go” Select “Search the National BlueCard Network” and hit “Next” Until you get your ID card, select “PPO” under “Guests” and hit “Next”

CIGNA medical plans

www.mycignaplans.com • Open Enrollment ID: 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

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.

Anthem BlueCross BlueShield — www.anthem.com Medical

877.331.4654

CIGNA — Medical

www.mycignaplans.com Open Enrollment ID: SunTrust2012 Open Enrollment Password: cigna www.mycigna.com (member information)

800.769.2116

For both locations: http://my.kp.org/SunTrust

404.365.4110 (Atlanta) 877.218.7739 (DC/Baltimore)

UnitedHealthcare – Medical

Pre-enrollment website: www.myuhc.com/groups/suntrustbank

877.885.8454

Health Savings Account

www.connectyourcare.com/suntrustpf/

866.442.1313

SunTrust’s Medicare supplement plans

https://member-fhs.umr.com

800.430.4308

Express Scripts prescription drug benefits (all plans except Kaiser Permanente HMO)

www.express-scripts.com or https://member.express-scripts.com/preview/ suntrust2012 (Express Preview)

877.242.1128 (general information) 800.824.0898 (pharmacy help desk) 866.848.9870 (CuraScript)

CIGNA — Dental

www.mycigna.com

800.769.2116

UnitedHealthcare Vision plan

www.myuhcspecialtybenefits.com

800.638.3120 (member services) 800.839.3242 (for network providers)

Employee Assistance Program (EAP)

www.guidanceresources.com (use ID “SunTrustCares”)

877.369.1785

UnitedHealthcare medical plans www.myuhc.com/groups/suntrustbank Select “Find a Physician and Facilities”

800.687.2359

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: Select “Out-of-network savings program” (secondary network that 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

Kaiser Permanente HMO: Atlanta DC/Baltimore

Sparkfly, the teammate/retiree Available from BENE Online discount program

See the inside back cover for information on finding a network provider.

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

2012

Retiree Annual Enrollment Guide

 Enroll from October 11th through October 26th