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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 and other benefits

Get details about medical plan costs and other benefits options.

2024 medical premiums

2023 medical premiums

Telehealth

Case Management Program

CarePlus Mobile Health

Virta: Diabetes reversal and weight loss

Family building benefits

Medical carriers

Choose a medical carrier that meets your needs. Depending on where you're located, Truist offers three medical plan carriers in 2023 and two in 2024 for teammates, spouses or domestic partners, and dependents.

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View carrier contact information to learn more
View 2024 carrier network Fast Facts (PDF) to learn more

For 2024

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.

Find Aetna providers and review coverage

Kaiser Permanente

Kiser 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
Learn about Kaiser plans and coverage

For 2023

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. 

Other coverage

Teammates, spouses or domestic partners, and dependents covered by BCBSNC in 2023 and Aetna in 2024 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) for 2023 and a $2,500 HDHP for 2024, both with a health savings account (HSA)
  • a $4,500 HDHP for 2023 and $4,000 HDHP for 2024 with HSA
  • in 2024, a new $1,500 PPO with higher deductible

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

All 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.

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2024 Aetna plans: What you pay

  $500 PPO $1,500 PPO $250 ACO $2,500 HDHP $4,000 HDHP
Providers In-network Out-of-network In-network Out-of-network In-network Out-of-network In-network Out-of-network In-network Out-of-network
Individual deductible $500 $1,000 $1,500 $3,000 $250 n/a $2,500 $5,000 $4,000 $8,000
Family deductible $1,000 $2,000 $3,000 $6,000 $500 n/a $5,000 $10,000 $4,000 individual in a family / $8,000 family $8,000 individual in a family / $16,000 family
Coinsurance after deductible: Your share / insurance share 10% / 90% 50%/ 50% 20% / 80% 50%/ 50% 0% / 100% n/a 20% / 80% 50% / 50% 20% / 80% 50% / 50%
Individual out-of-pocket maximum $1,500 $3,000 $2,500 $5,000 $1,250 n/a $4,000 $8,000 $5,500 $11,000
Family out-of-pocket maximum $3,000 $6,000 $5,000 $10,000 $2,500 n/a $8,000 $16,000 $5500 individual in a family / $11,000 family $11,000 individual in a family / $22,000 family
Primary care copay $30 50% 20% 50% $30 n/a 20% 50% 20% 50%
Specialist copay $40 50% 20% 50% $60 n/a 20% 50% 20% 50%
ER copay $150 $150 20% 20% $150 n/a 20% 20% 20%20%
Urgent care copay $40 50% 20% 50% $40 n/a 20% 50% 20% 50%

2023 BCBS and Aetna plans

View Medical Plans side-by-side (PDF) for more information

$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 2024 medical premiums for costs
View 2023 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 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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The following summaries of benefits coverage show how you and the plan share the cost for covered services for common medical issues. For detailed coverage, see the full plan descriptions.

2024 summaries of benefits coverage

2023 summaries of benefits coverage

$500 PPO

$250 ACO

$2,000 HDHP

$4,500 HDHP

HMO

Prescription drugs

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

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For 2024, Aetna plans include prescription drug coverage through CVS Caremark. Learn more.  Kaiser Permanente has its own exclusive pharmacy benefits.

For 2023, BCBSNC and Aetna plans include prescription drug coverage through Blue Rx. Learn more.

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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