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 plans and coverage

Medical premiums

Other medical benefits

Prescription drugs

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 plans

Depending on where you're located, Truist offers two medical carriers and six medical plans for teammates, spouses or domestic partners, and dependents.

View medical plan network details (PDF)
View carrier contact information

 

 

Aetna

Aetna has a broad provider network, which includes a large number of doctors, hospitals, and other providers across the country.

It also has a lower-cost, narrow provider network available only in certain locations.

Kaiser Permanente

Kaiser Permanente is a regional network available in certain locations that offers only in-network coverage. It’s available in:

  • California
  • Colorado
  • Georgia
  • Mid-Atlantic
  • Northwest
  • Washington

Find Aetna providers and review coverage

Review Kaiser Permanente plans and coverage

 

All Truist medical plans cover the same services, including prescription drugs. Plus, no matter which plan you choose, preventive care is covered at 100% (that’s no cost to you) when you stay in-network.

The following describes our plans, who provides them, and explains how you and the plans share the cost for covered services for common medical issues. 

 

Deductible* Type Provider 2025 plan coverage 2026 plan coverage
$500 Preferred provider organization (PPO) Aetna Summary | Details Summary
$1,500 PPO called Upfront Advantage Aetna Summary | Details Summary
$250 Accountable care organization (ACO) with a narrow network Aetna Summary | Details | Details VA only Summary
$2,500 High-deductible health plan (HDHP) with a health savings account (HSA) Aetna
Kaiser Permanente		 Summary | Details
Summary | Details 		Summary
Summary
$4,000 HDHP with HSA Aetna Summary | Details Summary
$0 Exclusive provider organization (EPO) Kaiser Permanente Summary | Details Summary

*Deductible amount is for an individual. A family’s deductible is double that of an individual’s.

 

Each plan has its own benefit features (like copays, deductibles, and other features). These features affect the costs you pay when you receive care.

 

View Aetna cost information
View Kaiser Permanente cost information
Blast off to better benefits decisions!

Medical premiums

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

 

View 2026 medical premiums and LifeForce credits for costs
View 2025 medical premiums and LifeForce credits for costs

 

 

Your BAR and other benefit premium costs are available in Workday.

Find your BAR: 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. 

Other medical benefits

Telehealth

Second opinions

Case Management

CarePlus app

Diabetes reversal, weight loss

Fertility, family building, life milestones

Virtual physical therapy

International travel health benefits (Aetna)

Prescription drugs

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

Aetna plans include prescription drug coverage through CVS Caremark. Learn more.  Kaiser Permanente has its own exclusive pharmacy benefits.

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.

The terms, conditions, limitations, and eligibility requirements for the Truist benefits plans are set forth in the Summary Plan Descriptions (SPDs), where available. We encourage you to read the SPDs carefully. If you have any questions after reviewing the SPDs or would like to request a free paper copy of an SPD or plan document, please contact the Plan Administrator at the address provided in the SPD. In the event of a discrepancy between the information provided on this Website and the plan documents, the plan documents will govern. 

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