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Your 2013 Health Care choices. Retiree Enrollment Guide

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Your

2013

HealtH Care CHoiCes

Retiree Enrollment Guide

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Contact Information

This enrollment guide provides highlights of your 2013 SunTrust Benefit Plans for retirees. If you have questions that are not answered in this guide, use these online resources and telephone numbers to get answers.

For questions about… Go online to… Or call…

my HR — Enrolling for benefits www.myhrsuntrust.com 800.818.2363 (TDD: 800.811.8565)

Aetna — Medical www.aetnanavigator.com (member information)

800.835.6167

Anthem BlueCross BlueShield — Medical

www.anthem.com 800.628.3988

Cigna — Dental www.mycigna.com 800.769.2116

Cigna — Medical www.mycignaplans.com

Open Enrollment ID: SunTrust2013 Open Enrollment Password: cigna

800.769.2116

Employee Assistance Program (EAP)

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

877.369.1785

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

www.express-scripts.com or https://member.express-scripts. com/preview/suntrust2013 (Express Preview)

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

Genworth — LTC policies N/A 800.416.3624

Health Savings Account www.connectyourcare.com/ suntrustpf/

866.442.1313

Kaiser Permanente Atlanta HMO Kaiser Permanente DC/

Baltimore HMO

For both locations:

http://my.kp.org/SunTrust

404.365.4110 (Atlanta) 877.218.7739 (DC/Baltimore)

Marsh — MetLife LTC policies N/A 866.578.6878

Sparkfly Available from my HR online 800.687.2359

SunTrust’s Medicare supplement plans

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

UnitedHealthcare — Medical www.myuhc.com 877.885.8454

UnitedHealthcare Vision plan www.myuhcspecialtybenefits.com 800.638.3120 (member services) 800.839.3242 (for in-network providers)

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Welcome to Your Guide for Choosing

Your SunTrust Health Care Benefits

As a SunTrust retiree, you are eligible for benefits that continue to give you flexibility, tools, and resources to make good choices for your health:

• As you move into retirement — by selecting coverage that offers you the right fit and the best overall value

• Throughout the year — through tools and programs designed to help you understand your health risks, make healthy changes, and manage chronic conditions

This booklet provides the information you need to make decisions about coverage under the SunTrust Retiree Health Plan. As you read through this material, consider how your needs may have changed as you enter retirement. And take time to review how the SunTrust benefit options help you manage your health — and manage your overall cost for coverage and care. Then, make decisions about your retiree coverage.

In This Guide

Note: If you (and/or your dependents) have Medicare or will become

eligible for Medicare in the next 12 months, a federal law gives you more

choices about your prescription drug coverage. Please see pages 20-21 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.

2013 Health Benefits At-a-Glance ...2

Enrolling for Retiree Health Benefits ...2

Taking Part in SunTrust Benefits ...6

Medical Coverage If You

Are Not Yet Eligible for Medicare ... 10

Medical Plan Comparison

(for those not eligible for Medicare) ... 11

Medicare Supplement Plans ... 15

Dental Coverage ... 17

Vision Coverage ... 18

Employee Assistance Program (EAP) ... 19

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2013 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).

Enrolling for Retiree Health Benefits

You must actively enroll for the retiree benefits you want as a new retiree in 2013 — even if you choose to continue the benefits you currently have for yourself and your covered dependents. The personalized Retiree Health Election Form included in your retirement package shows the options for which you are eligible in retirement, based on your zip code and Medicare eligibility, as well as the 2013 monthly premiums for your current coverage tier. If you need rate information for other coverage tiers, contact my HR.

You are not required to enroll in the same coverage you have as an active employee. For retiree coverage, you may enroll in different medical, dental or vision options, and you may change your coverage tier. There is one exception: You can enroll in an HMO option for 2013 only if you are enrolled in that option as a teammate.

Please remember that the retiree benefit elections you make cannot be changed during the year unless you experience a qualified life event that allows a change to your coverage — with one exception. You may drop medical, dental, and/ or vision coverage at any time, effective the first day of the following month. Bear in mind that if you drop coverage, you will not have an opportunity to re-enroll for benefits until the next Annual Enrollment period or until you have a qualified life event. In any case, you will need to show proof of continuous, comprehensive coverage when you re-enroll for SunTrust coverage.

If you are eligible for Medicare, you must enroll in Medicare Parts A and B to receive the full benefit of the SunTrust Medicare supplement plans.

Some Expenses Carry Over

If you are currently enrolled in a SunTrust medical plan and transition to retiree coverage mid-year, any expenses that have already been applied to your deductibles and coinsurance amounts will also apply to whatever retiree medical plan you choose. For instance, if you are enrolled in the PPO and have applied $500 to your 2013 family deductible, that $500 will also apply to your 2013 family deductible under any retiree medical plan you choose.

Retirees/Dependents

Under Age 65 (and not Medicare-eligible)

Retirees/Dependents

Age 65 or Older (or Medicare-eligible) Medical (All

options include prescriptions drug coverage)

Options are available based on zip code and may incude:

• High Deductible Health Plan (HDHP) with optional HSA

• PPO

• Open Access HMO (if enrolled as teammate)*

• Kaiser Permanente HMO (if enrolled as teammate)* (Atlanta and DC/Baltimore areas only)

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

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What Happens if You Don’t Enroll in

Coverage Now?

If you do not enroll for retiree benefits when first eligible, you and any dependents will not have retiree medical, dental, and/or vision coverage through SunTrust. The health care coverage you currently have as an active employee will not carry over to retiree coverage.

If you choose not to continue your coverage at this time, you will be able to elect coverage at a later date as long as you can show continuous, comprehensive coverage under another group or individual plan. This also applies to your eligible dependents.

If You Drop Coverage and Later Re-enroll

If you drop coverage at any time and later wish to re-enroll for SunTrust benefits, you may pay different premiums than you would if you had continuous coverage with SunTrust. For current premiums, see the personalized Retiree Health Election Form in your package.

How to Enroll

To enroll, just follow these steps:

1. Decide which benefits you want for the rest of 2013 (remember that all options available to you are shown on your personalized Retiree Health Election Form; if you need information on premiums not listed on your form, please call my HR at 800.818.2363)

2. Indicate your choices on your Retiree Election Form

3. If you wish to pay your monthly premiums for coverage by Direct Debit, be sure to attach a voided check to your enrollment form

4. If you do not wish to enroll for retiree health benefits at this time, be sure to indicate that by checking the “Decline Coverage” box — you must return your form (if you decline, you will receive a COBRA package)

5. Mail your completed enrollment form to my HR: my HR Service Center

P.O. Box 199749 Dallas, TX 75219-9640

Deadline for Enrolling

my HR must receive your completed enrollment form by the 10th of the month prior to your retirement date.* Your retirement date is the first day of the month following your last day of work. For example, if

A Note About Group Universal Life (GUL) and Voluntary AD&D If you enrolled in the GUL program administered by Marsh @WorkSolutions and underwritten by MetLife, you may continue coverage once your retire. You will be billed directly for the applicable premiums. If you do not pay the billed premiums, MetLife will automatically cancel your GUL coverage. If, however, you have contributed to the Cash Accumulation Fund, MetLife will draw upon these funds to pay the GUL premium due, unless you give notification that you want to terminate your GUL coverage. Retirees pay the same rates as teammates pay. Voluntary Accidental Death and

Dismemberment (AD&D) will end when you retire. If you have any

questions about your GUL coverage, please call Marsh at 1.866.578.6878. If you are hearing impaired and have a TDD, you may call 1.800.855.2881.

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Paying for Retiree Benefits

As a retiree, there are two ways you can pay for any medical, dental, and/or vision coverage you select — Direct Debit or by check. To save on administration costs, SunTrust requests but does not require that all retirees sign up for Direct Debit. Your 2013 premiums for any plans for which you are eligible are shown on your personalized Retiree Health Election Form.

Paying through Direct Debit

Direct Debit is an easy and convenient way to pay for retiree coverage. With Direct Debit, your monthly premiums for retiree health coverage are automatically deducted from your designated bank account each month. You may designate an account with any bank; your deductions do not have to be taken from a SunTrust bank account. Once your Direct Debit account is established, you don’t need to do a thing. All premium payments are automatically handled for you.

Here is how it works:

• When you enroll for retiree benefits, you include a voided check from the bank account you wish to designate for Direct Debit with your enrollment form. This enables SunTrust to set up the electronic funds transfer.

• Once your Direct Debit account is established, your premium deduction for coverage each month is taken from your designated account on the 20th of that month. For example, your premium payment for July is automatically deducted from your account on July 20th.

• If the 20th falls on a weekend or holiday, the debit will be made on or after the first business day following the 20th.

• There are no fees for Direct Debit. You will, however, be charged for overdrafts, if applicable, according to the terms of your bank account. If you do not set up Direct Debit now, you can begin Direct Debit at any time in the future by calling my HR. A my HR representative can help you set up or stop Direct Debit or change your designated bank account.

If Direct Debit is set up after your retiree coverage effective date, the first debit will include all premiums owed including those for the current month. For example, if you retire on August 1, set up Direct Debit on August 25, and haven’t yet made a premium payment, the September 20 debit will include August and September amounts.

A Note About Long-Term Care Insurance (LTC)

If you enrolled in the LTC program administered by Marsh and underwritten by MetLife or Genworth, you may continue coverage once you retire. You will be billed directly for the applicable premiums. If you do not pay the billed premiums, your coverage will be automatically cancelled. If you have any questions about your MetLife LTC coverage, please call Marsh at 866.578.6878. If you are hearing impaired and have a TDD, you may call 800.855.2881. If you have questions about your Genworth LTC coverage,

please call them at 800.416.3624.

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Paying by Check

If you elect to pay your premium by check, you will receive an invoice around the 15th of each month, and payments are due by the end of each month. Each invoice includes a coupon, which you must include with your monthly payment. Checks should be made payable to ACS HR Solutions for SunTrust and must include your Social Security number. Your check, including your invoice coupon, should be mailed to the following address:

ACS HR Solutions for SunTrust P.O. Box 223073

Pittsburgh, PA 15251-2073

This address is for premium payments only. Do not mail other retiree coverage materials, such as enrollment forms, to this address.

A Word about COBRA

When you retire, you can elect to continue coverage under COBRA or you may elect coverage under the SunTrust retiree plans — or a combination of the two. For example, you may elect COBRA for your medical coverage and you may choose the retiree dental and vision coverage.

If you elect COBRA, you will be required to continue the same options that you had as a teammate (unless you retire effective January 1st). For example, if you retire March 1st and are enrolled in the PPO, your only option for COBRA medical will be the PPO. However, if you elect coverage under the retiree plan and not COBRA, you can choose a different option than your current election. For example, if you are enrolled in the PPO under the teammate plan, you can elect the HDHP option under the retiree medical coverage.

COBRA generally provides 18 months of coverage. You can move from COBRA to the retiree plan at any time by contacting my HR.

If you are enrolled in the Health Care Flexible Spending Account, you are eligible to continue this coverage under COBRA for the remainder of the year. Eligible expenses must be incurred while you are participating in the plan. You will automatically receive a COBRA package about three weeks after you retire if you are enrolled in the Health Care FSA. If you decline retiree medical coverage, your COBRA package will include information for both medical coverage and the Health Care FSA.

Certificate of Coverage

You and your covered dependents are entitled to a Certificate of Group Health Plan Coverage verifying your participation under the SunTrust Employee Medical Plan. If you do not elect SunTrust retiree medical coverage, my HR will automatically send you this notice.

If you decline retiree medical coverage on the enrollment worksheet and return it to my HR, you will automatically receive a COBRA package for the medical option.

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Taking Part in SunTrust Benefits

Your Eligible Dependents

Your eligible dependents include: • Your spouse

• Your domestic partner*

• Your children and stepchildren, up to the end of the year they turn 26 (must be no older than age 25 on December 31, 2012)

• Your children age 26 or older who are permanently and totally disabled and who were disabled prior to age 26, or who became disabled while covered under a SunTrust plan as your eligible dependent

For more details on dependent eligibility, see “Frequently Asked Questions” on page 7.

* To cover your domestic partner, you can provide certification of your domestic partner’s eligibility via my HR online with electronic signature. You can also find more information on the criteria and tax implications for domestic partner coverage. If you do not certify online, you and your domestic partner must complete an Affidavit, which my HR must then approve.

Proof of Continuous, Comprehensive Coverage

If you and any eligible dependents are not currently enrolled in SunTrust benefits and wish to enroll for 2013, 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 removed 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.

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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 my HR for approval. Their address and number are:

P. O. Box 199749 Dallas, TX 75219-9640 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 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.

If you or your spouse is under the age of 65 and Medicare eligible because of disability, please send a copy of your Medicare identification to my HR to be enrolled in a SunTrust Medicare supplement plan.

The same options for dental and vision coverage are available to all eligible retirees and covered dependents regardless of age or Medicare eligibility.

When You or Your Spouse Turn 65

About three months before you or your spouse will turn age 65, you will receive information about enrolling in one of the two SunTrust Medicare supplement plans: the Medicare Plus Plan or the Medicare Basic Plan. You will receive information on your premiums and an explanation of how the plans coordinate with Medicare. See page 15 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 Benefit

Advocates, Inc., an alliance partner, to work with my HR 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 and my HR personnel.

If you or your covered dependent is age 65 or older and electing a Medicare supplement option, you will need to contact Social Security as soon as possible to enroll in Medicare Part A (if applicable) and Part B. If you are at least age 65, the Social Security Administration (SSA) will require a completed form confirming your active medical coverage to avoid penalties for late enrollment. When the SSA provides the form, mail it to my HR for completion if you have coverage through SunTrust. If you need assistance in enrolling in Medicare, contact Benefit Advocates at 800.344.5677, and they can help. 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 20 for information about Medicare Part D and prescription drug coverage.

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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.

Split Family Provision

If you are eligible for Medicare and cover your dependents who are not or vice versa, you will be covered under the “split family provision.” In this case, the Medicare-eligible individuals are enrolled in a Medicare supplement plan and other family members may choose an option based on your home zip code and your current coverage.

Making Benefit Changes During the Year

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 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 my HR at 800.818.2363 and follow the prompts to speak with a representative between 8:30 a.m. and 5:30 p.m. (ET) Monday through Friday. 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 Legal Notices for more about Medicaid and CHIP coverage.

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Medical Coverage If You Are Not Yet

Eligible for Medicare

SunTrust will transition to streamlined plan choices over the next two years, while phasing out the HMOs. The options available to you are the same ones available to active teammates.

Choices for 2013 Choices for 2014

High Deductible Health Plan (HDHP)

with optional Health Savings Account (HSA) HDHP with optional HSA

Streamlined PPO plan PPO plan

HMOs available only for those enrolled at the time they retire:

• Open Access HMO

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

HMOs no longer offered

With all SunTrust medical plans: • In-network preventive care is free

• You’ll have coverage for a wide range of services — from routine office visits and prescriptions to more complex care for an illness or injury

• You or a covered family member can get support for chronic conditions and lifestyle improvements through ActiveHealth, offering personalized counseling and lifestyle coaching

Preventive Care Covered by All Plans

All plans cover in-network preventive care at 100% with no deductible. Eligible tests and screenings are considered preventive care if performed as part of a routine examination and considered appropriate based on evidence qualified protocols. Any test or screenings to diagnose disease based on symptoms will be covered as treatment if eligible. For a list of recommended immunizations and screenings based on your age, go to my HR online and click on “Documents & Forms” under the “Resources” section of “my Health and Other Benefits” to locate the document titled “Preventive Services.”

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Comparing How the Plans Pay Benefits

HDHP PPO HMO (available for 2013 only if you are enrolled at the

time you retire)

In-network annual deductible

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

$600/individual $1,200/family

$150/individual $300/family The deductible for out-of-network care is two

times the in-network deductible In-network annual

out-of-pocket maximum

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

one person

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

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

The maximum for out-of-network care is two times the in-network maximum

What the plan pays (use any provider — but the plan pays more when you use in-network providers)

What the Plan pays (can use in-network providers only) In-network

preventive care

In-network: Plan pays 100%, no deductible

Out-of-Network: Plan pays 70% of R&C allowance after deductible

Plan pays 100%

Office visits • PCP/Physician • Specialist

In-network: Plan pays 90% after deductible

Out-of-network: Plan pays 70% of R&C allowance after deductible (out-of-network emergency care covered at in-network benefit level)

In-network: Plan pays 80% after deductible Out-of-network: Plan pays 60% of R&C allowance after deductible (out-of-network emergency care covered at in-network benefit level)

100% after: • $25 copay • $35 copay Hospital care

• Inpatient services • Outpatient surgery

90% after deductible

Emergency care 100% after $125 copay (waived if

admitted)*

Urgent care 100% after $50 copay

Lab and X-ray 100%, no deductible

Mental health/ substance abuse • Inpatient • Outpatient

• 90% after deductible • 100% after $25/copay

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

See Prescription Drug Coverage on page 13 for more information on prescription drug coverage.

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How the Health Savings Account Works

If you enroll in the HDHP, the Health Savings Account (HSA) works like this:

Health Savings Accounts and Dependent Expenses

While the Patient Protection and Affordable Care Act (PPACA) allows parents to add adult children (up to age 26) to their medical plans, the IRS has not changed its definition of a dependent for HSAs. This means that a retiree with a child age 24 or older (19 or older if not a full-time student) covered under the SunTrust HDHP cannot use HSA funds to pay for medical expenses for that child.

Money goes in Money comes out Have money left? It rolls over.

Any after-tax contributions you make up to:

• $3,250 for single coverage • $6,450 if you enroll your spouse/

domestic partner and/or children • An extra $1,000 if you are age 55 or

older

Your after-tax contributions can be deducted on your 2013 tax return.

You pay the full cost of non-preventive care, including prescription drugs, until you meet the deductible. You receive discounted rates in-network. By budgeting now, you can set aside enough money to cover your deductible if you need it.

When you have an eligible expense, you can pay it with your HSA debit card, request direct payment from your account to your provider, or reimburse yourself from the account if you pay the expense out of pocket. If there is not enough money in your account to cover the expense, you can pay it and reimburse yourself later.

Any money left in your account is yours to pay for health care in the future, even retiree medical premiums.* Any money in your account used for

eligible medical expenses is not taxed.

*According to IRS Publication 969, you cannot treat insurance premiums as qualified medical expenses unless the premiums are for: 1. Long-term care insurance

2. Health care continuation coverage (such as coverage under COBRA)

3. Health care coverage while receiving unemployment compensation under federal or state law

4. Medicare and other health coverage if you were 65 or older (other than premiums for a Medicare supplement policy, such as Medigap)

The premiums for long-term care insurance that you can treat as qualified medical expenses are subject to limits based on age and are adjusted annually. See Limit on long-term care premiums you can deduct in the instructions for Schedule A (Form 1040). Items (2) and (3) can be for your spouse or a dependent meeting the requirement for that type of coverage. For item (4), if you, the account beneficiary, are not 65 or older, Medicare premiums for your spouse or a dependent (who is 65 or older) generally are not qualified medical expenses.

Note: You cannot claim the “health coverage tax credit” for premiums that you pay with a tax-free distribution from your HSA. See Publication 502 for more information on this credit.

Setting up a SunTrust HSA

Go to www.connectyourcare .com/suntrustpf/ or call 866.442.1313 to set up a SunTrust Health Savings Account. You can also set up an HSA at the financial institution of your choice.

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Prescription Drug Coverage

Prescription drug benefits for all medical options are provided through Express Scripts.

• Your cost is lowest when you use generic medications.

• If you are unable to switch to generic, your cost for brand-name drugs is lower when you use a drug on the preferred drug list. The preferred drug list, which is available at my HR online, is compiled by an independent group of doctors and pharmacists and includes medications for most medical conditions. • 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.

Note:

• You must meet the HDHP deductible before the plan begins paying for prescriptions. • There will no

longer be a lifetime maximum on smoking cessation drugs in 2013. • Walgreens now

participates in the Express Scripts network.

HDHP PPO Open Access HMO

Annual Deductible HDHP deductible applies

None None

Annual Out-of-Pocket Maximum

HDHP out-of-pocket maximum applies

$2,000 per person

$2,000 per person Retail (30-day supply)

Generic 10%, no maximum* $10 copay $10 copay

Preferred brand-name 10%, no maximum* 40%, max. $115 40%, max. $115 Non-Preferred

brand-name

20%, no maximum* 50%, max. $135 50%, max. $135 Home Delivery (90-day supply)

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

Preferred brand-name 10%, no maximum* 40%, max. $230 40%, max. $230 Non-Preferred

brand-name

20%, no maximum* 50%, max. $270 40%, max. $270

* Subject to medical/prescription drug out-of-pocket maximum.

For the Kaiser Permanente HMO, prescription drug coverage is provided through Kaiser. See the Kaiser website for details.

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Tools and Resources

To Help You Make Good Decisions during Annual Enrollment Compare Health Plans

Go to my HR online and hover over “my Benefits,” then select “my Health & Other Benefits”. Under “Tools,” select “Compare Health Plans.” This tool lets you compare plan features side-by-side and estimate how much each plan would cost in 2013 based on premiums plus your out-of-pocket cost for the medical care you anticipate. This tool only applies to the plans for those not eligible for Medicare.

HSA Cost Calculator

HSA Cost Calculator can help you estimate your annual tax savings if you enroll in the HDHP and set up a Health Savings Account (HSA) based on your contribution and tax bracket.

Express Preview

Express Preview helps you research drug costs and estimate your annual

prescription drug expenses. It can help you estimate how much you may want to set aside for prescription costs.

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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.

Both Medicare supplement plans are administered by UMR. Both plans are intended to coordinate with Medicare benefits to protect you from the out-of-pocket costs of catastrophic illness. 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, 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.

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.

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 $200 copay, plus charge for days beyond 150 if medically necessary

After you have paid the first $2,000 of covered expenses per person in a year, plus charge for days beyond 150 if medically necessary

Medicare Part B Services

Physician services 80% of Medicare approved 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 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.

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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 20-21.

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.

What You Pay for Prescription Drugs

Annual Out-of-Pocket Maximum $1,500 per person Retail (30-day supply)

Generic $5 copay

Preferred brand-name 30%, max $95

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

Home Delivery (90-day supply)

Generic $10 copay

Preferred brand-name 30%, max $190

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

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.

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Dental Coverage

Depending on your home zip code, you have a choice of either two or three dental plans:

• The Cigna Basic option • The Cigna Plus option

• The Cigna Dental HMO (if you live in a Cigna Dental HMO network area) You may use any dentist you choose under the Basic and Plus options. However, you may pay less if you visit a dentist who participates in Cigna’s Radius dental network.

The Cigna Dental HMO is available only if you live in a Cigna Dental HMO network area. When you enroll in the Dental HMO, you select an in-network general dentist who provides routine, basic care and refers you to specialty dentists when necessary. Payment for services is based on a predetermined patient charge schedule, available on my HR online.

Cigna Basic* Cigna Plus* Cigna Dental HMO

Annual deductible $50 per person $150 per family

$50 per person $150 per family

None

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

What the Plan Pays Preventive care (cleanings, diagnostic X-rays)

100% 100%

Costs based on patient charge schedule** Basic care (fillings,

periodontal care, root canals)

80% after deductible 80% after deductible

Major care (crowns, bridges)

Not covered 50% after deductible

Orthodontia Not covered 50%, no deductible

$1,500 lifetime maximum

* All claims are subject to R&C allowances unless you visit a dentist who participates in Cigna’s Radius network. Using a preferred provider could result in lower out-of-pocket expenses.

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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.

Laser eye surgery is also available at discounted rates from any Laser Vision Network of America (LVNA) provider location nationwide.

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

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

Lenses 100% after $25 copay Allowance:

• Single vision: Up to $40 • Bifocal: Up to $60 • Trifocal: Up to $80 • Lenticular: Up to $80

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.

Optional Items Not Covered

Certain optional items, such as scratch-guard coating and progressive lenses, are not covered under the plan and are your responsibility to pay.

Contact Lens Selection Expanded

The Contact Lens Formulary was updated effective June 1, 2012. Many of the most popular disposable contact lenses on the market are now covered. Learn more at www.myuhcspecialtybenefits.com.

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Employee Assistance Program (EAP)

The Employee Assistance Program (EAP) is provided free of charge to all SunTrust retirees. The EAP offers free, confidential, short-term counseling, as well as resource information on a variety of life issues such as elder care, child care, and general living support.

ComPsych® GuidanceResources® provides professional and personal assistance for you and your family members for any type of problem. Counseling is given by experienced, licensed counselors and is available 24 hours a day, seven days a week. You can receive five visits per issue in any 12-month period at no cost to you. If you need additional care, services may be covered by your medical plan. It’s important to check your medical plan coverage, including provider networks, before you continue care.

You can also use ComPsych® to find appropriate child care as well as resources to meet the needs of aging parents. This resource and referral service helps you explore options, find background information, and identify resources for choosing day care and/or finding elder care providers.

The EAP also offers a resource for getting expert information on a variety of life tasks. Provided through FamilySource®, this service can save you time and help minimize the headaches related to:

• Buying homes, cars, or computers

• Planning a vacation or obtaining a passport • Relocating to a new city

• Having repairs or construction done on your home • Entertaining family and friends

The EAP also provides financial and legal resources:

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

• Financial help with anything from resolving debt issues to retirement planning Go to www.guidanceresources.com (ID “SunTrustCares”) or call 877.369.1785.

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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 2012 for 2013 Plan Year

Your Prescription Drug Coverage and Medicare

Important Notice from SunTrust Banks, Inc.

If you or one of your covered dependents is eligible for Medicare benefits, please read this notice carefully and keep it where you can find it. At the end of this notice is information about where you can get help to make decisions about your prescription drug coverage.

1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare through Medicare prescription drug plans and Medicare Advantage Plans that offer prescription drug coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.

2. SunTrust has determined that the prescription drug coverage included as part of medical coverage under either the Retiree Health Plan or the Employee Benefit Plan is, on average for each plan’s participants, expected to pay out at least as much as the standard Medicare prescription drug coverage will pay. Therefore, the SunTrust prescription drug benefits under all medical options are considered Creditable Coverage.

Because the prescription drug coverage through all SunTrust medical plans in 2012 and in 2013 is on average at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay extra if you later decide to enroll in Medicare prescription drug coverage.

Individuals can enroll in a Medicare prescription drug plan when they first become eligible for Medicare and each year from October 15 through December 31. Beneficiaries leaving employer/union coverage may be eligible for a Special Enrollment Period to sign up for a Medicare prescription drug plan.

You should compare your current coverage, including which drugs are covered, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area.

A description of SunTrust’s prescription drug coverage is included in the SunTrust Retiree Summary Plan Descriptions and the SunTrust Benefits Summary Plan Descriptions. It is also described in this SunTrust Retiree Enrollment Guide. A representative at my HR can tell you how to get a copy.

SunTrust’s coverage pays for other health expenses, in addition to prescription drugs. Unless you are in active SunTrust employment, if you choose to enroll in a Medicare prescription drug plan, prescription drug benefits generally will not be paid under the SunTrust coverage, but other covered health expenses will be paid according to the plan document. Even if the SunTrust coverage does not pay for prescription drug benefits because you have Medicare prescription coverage, your SunTrust premium will not be reduced. You should also know that, once Medicare-eligible, if you drop or lose your SunTrust medical coverage (because of failure to pay premiums) and don’t enroll in Medicare prescription drug coverage soon after your SunTrust coverage ends, you may pay more (a penalty) to enroll in Medicare prescription drug coverage later.

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Specifically, if you go 63 days or longer without prescription drug coverage that’s at least as good as Medicare’s prescription drug coverage, your Medicare Part D monthly premium will go up at least 1% per month for every month that you were eligible but did not have that coverage. For example, if you go 19 months without coverage, your premium will always be at least 19% higher than what most other people pay. You’ll have to pay this higher premium as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the next October to enroll.

More detailed information about Medicare plans that offer prescription drug coverage is in the Medicare &You handbook. A new version of this handbook is mailed every year to Medicare beneficiaries directly from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug plans:

• Visit www.medicare.gov

• Call your State Health Insurance Assistance Program (see your copy of the Medicare & You handbook for their telephone number) for personalized help

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

For people with limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www.socialsecurity.gov, or you may call them at 1-800-772-1213 (TTY 1-800-325-0778).

Remember: Keep this notice if you are eligible for Medicare or will become eligible within the next 12 months. If you enroll in one of the plans approved by Medicare which offer prescription drug coverage, you may be required to provide a copy of this notice when you join to show that you are not required to pay a higher premium amount.

For more information about this notice or your current prescription drug coverage… Contact my HR online (www.myhrsuntrust.com) 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.

Privacy Notice

SunTrust protects the privacy of your protected health information. SunTrust Human Resources complies with all HIPAA privacy rules.

The SunTrust and ComPsych (EAP) Privacy Policies are available at my HR online. 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 on my HR online in the Library. You can also call my HR and request that a copy be sent to you.

Breast Reconstruction Following a Mastectomy

If you have to have a mastectomy, all SunTrust medical plans provide the following benefits: • Reconstruction of the breast on which the mastectomy has been performed

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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 or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer, your State may have a premium assistance program that can help pay for coverage. These States use funds from their Medicaid or CHIP programs to help people who are eligible for these programs, but also have access to health insurance through their employer. If you or your children are not eligible for Medicaid or CHIP, you will not be eligible for these premium assistance programs.

If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, you can contact your State Medicaid or CHIP office to find out if premium assistance is available.

If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, you can contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, you can ask the State if it has a program that might help you pay the premiums for an employer-sponsored plan. Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must permit you to enroll in your employer plan if you are not already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, you can contact the Department of Labor electronically at www.askebsa.dol.gov or by calling toll-free 1-866-444-EBSA (3272).

If you live in one of the following States, you may be eligible for assistance paying your employer health plan premiums. The following list of States is current as of July 31, 2012. You should contact your State for further information on eligibility.

ALABAMA — Medicaid FLORIDA — Medicaid

Website: http://www.medicaid.alabama.gov Phone: 1-800-362-1504

Website: https://www.flmedicaidtplrecovery.com/ Phone: 1-877-357-3268

ALASKA — Medicaid GEORGIA — Medicaid

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

Phone (Outside of Anchorage): 1-888-318-8890 Phone (Anchorage): 907-269-6529

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

Click on Programs, then Medicaid, then Health Insurance Premium Payment (HIPP)

Phone: 1-800-869-1150

ARIZONA — CHIP IDAHO — Medicaid and CHIP

Website: http://www.azahcccs.gov/applicants Phone (Outside of Maricopa County): 1-877-764-5437 Phone (Maricopa County): 602-417-5437

Medicaid Website: www.accesstohealthinsurance. idaho.gov

Medicaid Phone: 1-800-926-2588

CHIP Website: www.medicaid.idaho.gov CHIP Phone: 1-800-926-2588

COLORADO — Medicaid and CHIP INDIANA — Medicaid

Medicaid Website: http://www.colorado.gov/ Medicaid Phone (In state): 1-800-866-3513 Medicaid Phone (Out of state): 1-800-221-3943

Website: http://www.in.gov/fssa Phone: 1-800-889-9949

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IOWA — Medicaid MONTANA — Medicaid Website: www.dhs.state.ia.us/hipp/

Phone: 1-888-346-9562

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

Phone: 1-800-694-3084

KANSAS — Medicaid NEBRASKA — Medicaid

Website: http://www.kdheks.gov/hcf/ Phone: 1-800-792-4884

Website: www.ACCESSNebraska.ne.gov Phone: 1-800-383-4278

KENTUCKY — Medicaid NEVADA — Medicaid

Website: http://chfs.ky.gov/dms/default.htm Phone: 1-800-635-2570

Medicaid Website: http://dwss.nv.gov/ Medicaid Phone: 1-800-992-0900

LOUISIANA — Medicaid NEW HAMPSHIRE — Medicaid

Website: http://www.lahipp.dhh.louisiana.gov Phone: 1-888-695-2447

Website: http://www.dhhs.nh.gov/oii/documents/ hippapp.pdf

Phone: 603-271-5218

KENTUCKY — Medicaid NEW JERSEY — Medicaid and CHIP

Website: http://chfs.ky.gov/dms/default.htm Phone: 1-800-635-2570

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

LOUISIANA — Medicaid NEW YORK — Medicaid

Website: http://www.lahipp.dhh.louisiana.gov Phone: 1-888-695-2447

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

Phone: 1-800-541-2831

MAINE — Medicaid NORTH CAROLINA — Medicaid

Website: http://www.maine.gov/dhhs/ofi/public-assistance/index.html

Phone: 1-800-977-6740 TTY 1-800-977-6741

Website: http://www.ncdhhs.gov/dma Phone: 919-855-4100

MASSACHUSETTS — Medicaid and CHIP NORTH DAKOTA — Medicaid

Website: http://www.mass.gov/MassHealth Phone: 1-800-462-1120

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

Phone: 1-800-755-2604

MINNESOTA — Medicaid OKLAHOMA — Medicaid and CHIP

Website: http://www.dhs.state.mn.us/ Click on Health Care, then Medical Assistance Phone: 1-800-657-3629

Website: http://www.insureoklahoma.org Phone: 1-888-365-3742

MISSOURI — Medicaid OREGON — Medicaid and CHIP

Website: http://www.dss.mo.gov/mhd/participants/ pages/hipp.htm

Phone: 573-751-2005

Website: http://www.oregonhealthykids.gov http://www.hijossaludablesoregon.gov Phone: 1-877-314-5678

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PENNSYLVANIA — Medicaid VERMONT– Medicaid Website: http://www.dpw.state.pa.us/hipp

Phone: 1-800-692-7462

Website: http://www.greenmountaincare.org/ Phone: 1-800-250-8427

RHODE ISLAND — Medicaid VIRGINIA — Medicaid and CHIP

Website: www.ohhs.ri.gov Phone: 401-462-5300

Medicaid Website: http://www.dmas.virginia.gov/ rcp-HIPP.htm

Medicaid Phone: 1-800-432-5924 CHIP Website: http://www.famis.org/ CHIP Phone: 1-866-873-2647

SOUTH CAROLINA — Medicaid WASHINGTON — Medicaid

Website: http://www.scdhhs.gov Phone: 1-888-549-0820

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

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

SOUTH DAKOTA - Medicaid WEST VIRGINIA — Medicaid

Website: http://dss.sd.gov Phone: 1-888-828-0059

Website: www.dhhr.wv.gov/bms/

Phone: 1-877-598-5820, HMS Third Party Liability

TEXAS — Medicaid WISCONSIN — Medicaid

Website: https://www.gethipptexas.com/ Phone: 1-800-440-0493

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

Phone: 1-800-362-3002

UTAH — Medicaid and CHIP WYOMING — Medicaid

Website: http://health.utah.gov/upp Phone: 1-866-435-7414

Website: http://health.wyo.gov/healthcarefin/ equalitycare

Phone: 307-777-7531

To see if any more States have added a premium assistance program since July 31, 2012, or for more information on special enrollment rights, you can contact either:

U.S. Department of Labor

Employee Benefits Security Administration www.dol.gov/ebsa

1-866-444-EBSA (3272)

U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov

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PENNSYLVANIA — Medicaid VERMONT– Medicaid Website: http://www.dpw.state.pa.us/hipp

Phone: 1-800-692-7462

Website: http://www.greenmountaincare.org/ Phone: 1-800-250-8427

RHODE ISLAND — Medicaid VIRGINIA — Medicaid and CHIP

Website: www.ohhs.ri.gov Phone: 401-462-5300

Medicaid Website: http://www.dmas.virginia.gov/ rcp-HIPP.htm

Medicaid Phone: 1-800-432-5924 CHIP Website: http://www.famis.org/ CHIP Phone: 1-866-873-2647

SOUTH CAROLINA — Medicaid WASHINGTON — Medicaid

Website: http://www.scdhhs.gov Phone: 1-888-549-0820

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

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

SOUTH DAKOTA - Medicaid WEST VIRGINIA — Medicaid

Website: http://dss.sd.gov Phone: 1-888-828-0059

Website: www.dhhr.wv.gov/bms/

Phone: 1-877-598-5820, HMS Third Party Liability

TEXAS — Medicaid WISCONSIN — Medicaid

Website: https://www.gethipptexas.com/ Phone: 1-800-440-0493

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

Phone: 1-800-362-3002

UTAH — Medicaid and CHIP WYOMING — Medicaid

Website: http://health.utah.gov/upp Phone: 1-866-435-7414

Website: http://health.wyo.gov/healthcarefin/ equalitycare

Phone: 307-777-7531

Finding In-Network Providers

To find a provider for... Go online to... Any medical, dental, or

vision plan

my HR online at www.myhrsuntrust.com

Provider lookup is under “my Benefits” in the “Tools” section of “my Health and Other Benefits”

Aetna medical plans www.aetna.com/docfind

Search for provider by zip code, city, or county, and then choose the applicable state.

1. Complete the appropriate geographic information, and select the type of provider.

2. Select one of the two combinations:

• For HMO: choose Aetna Standard Plans and Open Access Aetna SelectSM

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

BlueShield medical plans

www.anthem.com

Select “Find a Doctor” and hit “Go”

Select “Search the National BlueCard Network” and hit “Next”

Until you get your ID card, select “PPO” under “Guests” and hit “Next” Cigna medical plans www.mycignaplans.com

Open Enrollment ID: SunTrust2013 Open Enrollment Password: cigna Complete the geographic information

Enter your search criteria in the Provider Directory

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

medical plans

www.kp.org/medicalstaff

Select your region and click “Continue”

For Georgia (Atlanta), click “medical staff directories” link, in the “Signature HMO Plans” section. Click “Signature HMO” for plan type. Click “ Kaiser Permanente medical center practitioners (The Southeast Permanente Medical Group, Inc.)” as your provider.

For Maryland/Virginia/Washington DC (DC/Baltimore), select “Search for a specialist, hospital, or affiliated provider.” Then scroll down and click the “Kaiser Permanente Signature HMO” link.

UnitedHealthcare medical plans

www.myuhc.com

Select “Find Physician, Laboratory or Facility” Cigna dental plans www.cigna.com

Select “Provider Directory” at the top

Click “Dentist,” enter search criteria (city or zip code), then “Next” For the Dental HMO, choose “Cigna Dental Care (HMO)”

For the Basic or Plus plans, choose “Cigna Dental PPO” and the Radius Network For the Dental Network Savings Program (available for Cigna Basic and Plus plans): Select “Out-of-network savings program” (secondary network and can be used if you are unable to locate a provider in the Radius Network)

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