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Medical

We encourage our teammates to lead full, healthy lives—and offer medical benefits to support whatever choices you make for your care.

Eligibility

Medical benefits are available for teammates and their spouse/domestic partner and children.

Learn more about your benefits

Changes to benefits during the year are allowed only if you have a qualified life event.

Learn more about life event changes

Medical plan costs & other benefits

Get details about medical plan costs and other benefits options.

2023 medical premiums

Telehealth

Case Management Program

CarePlus Mobile Health

Virta: Diabetes reversal and weight loss

Virtual physical therapy

Family building benefits

Medical carriers

Find a medical carrier that meets your needs. Depending on where you're located, Truist offers three medical plan carriers for teammates, spouses or domestic partners, and dependents.

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View carrier contact information to learn more
View carrier network Fast Facts (PDF) to learn more
  • Medical plan carriers include a broad network option with BlueCross BlueShield (BCBS) called BlueOptions, two narrow network options with Aetna, and a closed option with Kaiser. Learn more about Kaiser.
  • Aetna and Kaiser plans are only available in certain areas. Refer to your enrollment options in Workday to see if you live within a service area for these medical plans. 
  • Teammates, spouses or domestic partners, and dependents covered by BCBSNC are eligible to participate in the Case Management program, a free benefit that provides one-on-one support to individuals with complex health issues. Learn more about the Case Management program.
  • Teammates enrolled in a medical plan have 24/7 access to board-certified doctors, licensed nurses, and specialists through Teladoc.
  • Family building benefits from Ovia and Progyny provide resources to teammates who want to start or add to their family.

Medical plans

Truist offers these medical plans to our teammates:

  • a $500 preferred provider organization (PPO) with lower deductible
  • a $250 accountable care organization (ACO) with a narrow network and lower deductible
  • a $2,000 high-deductible health plan (HDHP) with a health savings account (HSA)
  • a $4,500 HDHP with HSA
View Medical Plan Fast Facts (PDF) for more information
View Medical Plans side-by-side (PDF) for more information
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$500 PPO Plan

PPO with lower deductible

  • Choice of in-network and out-of-network providers
  • Annual deductible (per person) of $500 in-network or $1,000 out-of-network
  • Annual deductible (per family) of $1,000 in-network or $2,000 out-of-network
  • Out-of-pocket max (per person per year) of $1,500 in-network or $3,000 out-of-network (includes deductible)
  • Out-of-pocket max (per family per year) of $3,000 in-network or $6,000 out-of-network (includes deductible)
  • Only 10% coinsurance for covered expenses after the deductible
  • Pharmacy copay plan
     

$250 ACO Plan

PPO with lower deductible

  • Choice of narrow, in-network providers only, except in emergencies
  • Available only in select geographic areas 
  • Annual deductible (per person) of $250 in-network
  • Out-of-pocket max (per person per year) of $1,250 in-network (includes deductibles)
  • Out-of-pocket max (per family per year) of $2,500 in-network (includes deductible)
  • No co-insurance for covered expenses after the deductible 
  • Pharmacy copay plan
     

$2,000 HDHP Plan

HDHP with HSA

  • Choice of in-network and out-of-network providers
  • Annual deductible (per person) of $2,000 in-network or $4,000 out-of-network
  • Annual deductible (per family) of $4,000 in-network or $8,000 out-of-network 
  • Out-of-pocket max (per person per year) of $4,000 in-network or $8,000 out-of-network (includes deductible)
  • Out-of-pocket max (per family per year) of $6,900 in-network or $16,000 out-of-network (includes deductible)
  • 20% coinsurance for covered medical and pharmacy expenses after the deductible is met 

If you choose an HDHP plan with an HSA, Truist will fund that account with $500 for an individual only plan or $1,000 for a spouse/domestic partner, child, or family plan in two equal installments, in January and July. This two-part funding allows those new to an HDHP access to HSA dollars in the event they have health care expenses early in the year. 

$4,500 HDHP Plan

HDHP with HSA

  • Choice of in-network and out-of-network providers 
  • Annual deductible (per person) of $4,500 in-network or $9,000 out-of-network
  • Annual deductible (per family) of $9,000 in-network or $18,000 out-of-network
  • Out-of-pocket max (per person per year) of $6,000 in-network or $12,000 out-of-network (includes deductible)
  • Out-of-pocket max (per family per year) of $12,000 in-network or $24,000 out-of-network (includes deductible)
  • 30% coinsurance for covered medical and pharmacy expenses after the deductible is met 

If you choose an HDHP plan with an HSA, Truist will fund that account with $500 for an individual only plan or $1,000 for a spouse/domestic partner, child, or family plan in two equal installments, in January and July. This two-part funding allows those new to an HDHP access to HSA dollars in the event they have health care expenses early in the year. 

Medical premiums

Medical premiums are based on your Benefits Annual Rate (BAR). Truist offers premium lowering incentives through our LifeForce program. 

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View 2023 medical premiums for costs
View 2022 medical premiums for costs

Refer to your enrollment options in Workday to view eligible medical premiums.

Your medical premium cost could be offset by medical credits if you participate in and perform at the highest levels of the LifeForce program.

Understanding your benefit costs

Medical premiums, life insurance, and disability benefits are based on your Benefits Annual Rate (BAR). The BAR reflects your total annual cash compensation and your annual base pay.

Your BAR and other benefit premium costs will be shown in Workday.
Find it: View profile -> Actions -> Benefits -> View Benefits Annual Rate

Calculating BAR

Regular pay (annualized) as of September 30

+

Eligible cash bonuses, compensation, incentives, overtime, and premium pay from October 1 – September 30

=

BAR1

For new hires, your BAR is your base pay alone. 

Medical plan services

Truist offers a wide range of services that can be used with each of our three Medical plans: Services in the physician's office, wellness services, allergy injections, diabetic supplies, inpatient and outpatient hospital services, rehabilitation and therapy services, chemotherapy services, mental health and substance abuse services, and more. 

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Note: Aetna Premier Care out-of-network services are covered at 50%. Out-of-network services aren't covered by Aetna Premier Care Plus, the ACO, except in emergencies. Paying for any balance over Aetna’s allowed amount is the responsibility of the teammate.

The following charts show the coinsurance amounts (%) that the health plans pay.

Services in the physician's office

  $500 PPO Plan $250 ACO Plan $2,000 HDHP Plan $4,500 HDHP Plan
Primary Care Physician (PCP) Office Visits  100% after $30 copay in-network, 50% out-of-network after deductible  100% after $30 copay in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Specialist Office Visits 100% after $40 copay in-network, 50% out-of-network after deductible  100% after $60 copay in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Maternity Care (pre- and post-natal) 90% coinsurance after deductible in-network, 50% out-of-network after deductible  100% after $300 copay in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network

Wellness services

  $500 PPO Plan $250 ACO Plan $2,000 HDHP Plan $4,500 HDHP Plan
Well Child Care Through Age 5 (including immunizations) 100% in-network, no coverage out of network 100% in-network, no coverage out of network 100% in-network or 50% out-of-network (no deductible) 100% in-network or 50% out-of-network (no deductible)
Well Care Over Age 5 (including immunizations) 100% in-network, no coverage out of network 100% in-network, no coverage out of network 100% in-network or 50% out-of-network (no deductible) 100% in-network or 50% out-of-network (no deductible)
Annual Physical Exam 100% in-network, 50% out-of-network 100% in-network, no coverage out of network 100% in-network or 50% out-of-network (no deductible) 100% in-network or 50% out-of-network (no deductible)
Annual Prostate Specific Antigen (PSA) Tests

100% in-network, 50% out-of-network

 100% in-network, no coverage out of network 100% in-network or 50% out-of-network (no deductible) 100% in-network or 50% out-of-network (no deductible)
Mammogram 100% in-network, 50% out-of-network 100% in-network, no coverage out of network 100% in-network or 50% out-of-network (no deductible) 100% in-network or 50% out-of-network (no deductible)

Allergy injections

  $500 PPO Plan $250 ACO Plan $2,000 HDHP Plan $4,500 HDHP Plan
Billed With Office Visit  Based on Provider Type ($30 PCP, $40 Specialist) in-network, 50% out-of-network after deductible  Based on Provider Type ($30 PCP, $60 Specialist) in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Billed Without Office Visit 90% coinsurance after deductible in-network, 50% out-of-network after deductible  100% coinsurance after deductible in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Allergy Serum Based on Provider Type ($30 PCP, $40 Specialist) in-network, 50% out-of-network after deductible  Based on Provider Type ($30 PCP, $60 Specialist) in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network

Diabetic supplies

  $500 PPO Plan $250 ACO Plan $2,000 HDHP Plan $4,500 HDHP Plan
Insulin, Test Strips, Syringes  $30 copay at the pharmacy, no coverage out-of-network $30 copay at the pharmacy, no coverage out-of-network 80% coinsurance after deductible at the pharmacy, no coverage out of network 70% coinsurance after deductible at the pharmacy, no coverage out of network
Glucose Meters, Insulin Pumps 90% coinsurance after deductible in-network, 50% out-of-network after deductible  100% coinsurance after deductible in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Diabetic Nutritional Counseling (billed as office visit) 100% after $30 copay in-network, 50% out-of-network after deductible  100% after $30 copay in-network, no coverage out-of-network 100% in-network or 50% out-of-network (no deductible) 100% in-network or 50% out-of-network (no deductible)
Diabetic Nutritional Counseling (billed as outpatient facility charge)

90% coinsurance after deductible in-network, 50% out-of-network after deductible 

 100% coinsurance after deductible in-network, no coverage out-of-network 100% in-network or 50% out-of-network (no deductible) 100% in-network or 50% out-of-network (no deductible)

Inpatient hospital services

  $500 PPO Plan $250 ACO Plan $2,000 HDHP Plan $4,500 HDHP Plan
Hospital Charges 90% coinsurance after deductible in-network, 50% out-of-network after deductible  100% after $300 copay in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Emergency Ambulance Service 90% coinsurance after deductible in-network, 50% out-of-network after deductible  After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Semi-Private Room 90% coinsurance after deductible in-network, 50% out-of-network after deductible  100% after $300 copay in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Intensive Care 90% coinsurance after deductible in-network, 50% out-of-network after deductible 100% after $300 copay in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Surgery and Anesthesia 90% coinsurance after deductible in-network, 50% out-of-network after deductible After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
X-ray and Diagnostic Services 90% coinsurance after deductible in-network, 50% out-of-network after deductible After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Blood and/or Plasma 90% coinsurance after deductible in-network, 50% out-of-network after deductible After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Emergency Room 100% after $150 copay in or out-of-network 100% after $150 copay in or out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Delivery of Baby 90% coinsurance after deductible in-network, 50% out-of-network after deductible After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network

Outpatient hospital services

  $500 PPO Plan $250 PPO Plan $2,000 HDHP Plan $4,500 HDHP Plan
Outpatient Surgery  90% coinsurance after deductible in-network, 50% out-of-network after deductible  After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Durable Medical Equipment 90% coinsurance after deductible in-network, 50% out-of-network after deductible  After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Home Health Care 90% coinsurance after deductible in-network, 50% out-of-network after deductible  After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network

Outpatient rehabilitation and therapy services (includes PT, ST, OT, respiratory therapy, chiropractic services, dialysis, cardiac rehabilitation)

Visit maximums apply

  $500 PPO Plan $250 PPO Plan $2,000 HDHP Plan $4,500 HDHP Plan
Office Visit 100% after $40 copay in-network, 50% out-of-network after deductible  100% after $60 copay (Specialist) in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Outpatient Facility 90% coinsurance after deductible in-network, 50% out-of-network after deductible  After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Home Setting 90% coinsurance after deductible in-network, 50% out-of-network after deductible  After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network

Chemotherapy services

  $500 PPO Plan $250 PPO Plan $2,000 HDHP Plan $4,500 HDHP Plan
Office Visit 100% after $40 copay in-network, 50% out-of-network after deductible  100% after $60 copay (Specialist) in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Outpatient Facility 90% coinsurance after deductible in-network, 50% out-of-network after deductible  After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Home Setting 90% coinsurance after deductible in-network, 50% out-of-network after deductible  After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network

Mental health and substance abuse services

  $500 PPO Plan $250 PPO Plan $2,000 HDHP Plan $4,500 HDHP Plan
Office Visit  100% after $40 copay in-network, 50% out-of-network after deductible  100% after $60 copay (Specialist) in-network, no coverage out-of-network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network
Inpatient/Outpatient Service 90% coinsurance after deductible in-network, 50% out-of-network after deductible  After deductible, 100% in-network, no coverage out-of- network After deductible: 80% in-network, 50% out-of-network After deductible: 70% in-network, 50% out-of-network

Prescription drugs

Prescription drug coverage for each of our three medical plans is available to you in person or through mail order. 

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BCBSNC and Aetna plans include prescription drug coverage through Blue Rx. Learn more.

  $500 PPO Plan
$250 ACO Plan		 $2,000 HDHP Plan $4,500 HDHP Plan
Retail 100% after $10 copay (Tiers 1 & 2), $30 (Tier 3), $70 (Tier 4), 80% coinsurance w/ minimum  $50/maximum $150 (Tier 5), no coverage out-of-network 80% coinsurance after deductible at the pharmacy, no coverage out of network 70% coinsurance after deductible at the pharmacy, no coverage out of network
Mail Order 2x applicable copay for 90 day supply, no coverage out-of-network 80% coinsurance after deductible at the pharmacy, no coverage out of network 70% coinsurance after deductible at the pharmacy, no coverage out of network

Get assistance

If you have questions about a medical program, please contact your provider.

View providers for contact information
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1For active regular full-time or part-time exempt teammates

Your Benefits Annual Rate (BAR) equals your annual base pay as of Sept. 30, plus other cash payments received during the 12 months ending Sept. 30.

Cash payments include bonuses, incentives, overtime, and commissions. Cash payments don't  include equity (stock options, RSUs, etc.). A complete listing of payment types included in BAR is maintained by Payroll.

In the case of teammates in highly-incented positions (where more than 50% of compensation is expected to come from other than Base Salary), a special recalculation of BAR may be required.

If a highly-incented participant becomes eligible for a benefit (life or disability insurance) and less than 12 months of compensation history was included the last BAR calculation, BAR will be recalculated at the time of death or disability to determine the appropriate BAR by looking at actual earnings.  

Except as stated above, BAR is recalculated at Sept. 30 each year.

No personal or confidential teammate information is contained within Benefits.Truist.com.

Information contained within Benefits.Truist.com applies to eligible teammates residing in the United States, unless otherwise specified.

Not all subsidiaries and affiliates of Truist participate in the benefit programs and policies presented within Benefits.Truist.com.

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