Medical Plan Vendor:  Aetna

Banner-Aetna (Performance) Network plan – Plan Documents

• High Deductible Health Plan (HDHP)
  • Summary of Benefits & Coverage (SBC)
  • Schedule of Benefits
  • Plan Booklet
• Traditional Copay Plan
  • Summary of Benefits & Coverage (SBC)
  • Schedule of Benefits
  • Plan Booklet

Aetna (Broad) Network Plan – Plan Documents
NOTE: For those Team Members that reside outside of AZ, you must choose the Broad Network plan)

• High Deductible Health Plan (HDHP)
  • Summary of Benefits & Coverage (SBC)
  • Schedule of Benefits
  • Plan Booklet
• Traditional Copay Plan 
  • Summary of Benefits & Coverage (SBC)
  • Schedule of Benefits
  • Plan Booklet

Which Network to Choose?

• Banner-Aetna vs Broad Network
  • Banner Aetna Network Coverage Area
  • Aetna Broad Network Coverage Area

Direct Network Links to Search for Providers:
Put the Zip code in for area you are looking for provider
Go to next screen & can search by specialty, doctor, facility name, etc.

• • Click Here for direct search link for Banner-Aetna Performance Network (Open Access POS II)
    
  • Click Here for direct search link for the Banner-Aetna Broad Network (Open Access POS II)
  • Click Here for direct search link for Aetna Broad Network (Choice POS II)– applies only to those Team Members that reside outside the state of AZ

Virtual Telemedicine – now being offered through HealthJoy

Telemedicine is a form of healthcare provided to you and your covered dependents through virtual text or video conference from the comfort of your own home.
Please visit the HealthJoy section for more information.

You will need to download the HealthJoy app and activate your account so you can then utilize this benefit!

Additional Health Insurance Resources

• Rx Cost Saver Flyer (English)
• Rx Cost Saver Flyer (Spanish)
• 24-Hour Nurse Line
• Minute Clinic
• Enhanced Maternity
• Aetna Ecosystem
• Banner Aetna Care Advocate Team (Helping You Reach Your Health Goals)
• LifeMart Member Discount Program
• Aetna Discount Weight Management Program
• Aetna VIRTA Program (specifically designed for Type 2 Diabetes management)
• Simple Steps to a Healthier Life Incentive 

Dental Plan Vendor:  Ameritas

Base/Low Plan

• Benefit Summary
• Benefit Summary – Spanish

Buy-Up/High Plan

• Benefit Summary
• Benefit Summary – Spanish

Enhanced Benefits

• Dental Rewards – English / Spanish
• Hearing Related Benefits
  • Soundcare Highlight sheet
  • Expert Tips for Hearing Wellness – English / Spanish
  • Using Your Hearing Benefit – English / Spanish

Vision Plan Vendor:  Vision Service Plan (VSP)

Summary of Benefits & Coverage

Account Access Flyer 

Mobile Account Access Flyer

Exclusive Member Extras

Eyeconic Program Benefit

VSP – TrueHearing Benefit

Life Insurance Vendor: Mutual of Omaha

Company Paid Basic Life & AD&D Insurance

All full-time team members will receive 1x their annual salary rounded up to the thousand in company paid life insurance at no cost! The benefit carries a minimum of $30,000 and maximum of $200,000 in coverage. Benefit includes reduction of coverage after the age of 65, see Highlight sheet below.

• Basic Life – Highlight sheet

Voluntary Life Insurance & Accidental Death & Dismemberment (AD&D)

Team members may elect voluntary life insurance for themselves, their spouse, and eligible dependents (up to age 26).  Team Members must elect coverage for themselves if they wish to elect for their spouse or child.

• Voluntary Life – Highlight sheet

For New Hires in their benefit eligibility window &/or during a Qualifying Life Event (QLE), Team Members can elect up to $150,000 for themselves and up to $30,000 for a Spouse without having to provide evidence of insurability (EOI).  These are “guaranteed issue” (GI) amounts.

For requests above the guaranteed amounts, a completed EOI form is needed and coverage is subject to underwriting by Mutual of Omaha.

During the annual Open Enrollment period, Team Members that currently have this coverage, may elect up to an additional $20K for themselves and up to $10K for spouse (if applicable) without having to do the EOI form as long as the total amount does not exceed the GI amounts.

For those that are electing coverage for the 1st time during the OE period, any amount of coverage will require an EOI form to be completed & submitted to Mutual of Omaha for approval.

Coverage Specifics:

Employees – Must elect in $10,000 increments up to a max of $500,000 (or no more than 10x your annual salary)
           Note: Insurance benefits and guarantee issue amounts are subject to age reduction starting at age 65

Spouse – Coverage amounts must be elected in $5,000 increment up to max of $150,000 (or up to 100% of Team Member’s benefit amount)
          Note: Coverage for a spouse must end when they turn 70 years old

Dependent – Minimum/Maximum coverage amount is $10,000
          Note: Coverage for Dependents does not require EOI.  You pay one rate for all eligible dependents.

Please contact Benefits@sunhealth.org or by phone at 602-980-1800 for questions.

Short-term & Long-Term Disability
Vendor:  Mutual of Omaha

Short Term Disability

Short Term Disability (STD) insurance is designed to protect an employee’s income for a short period of time in the event an employee becomes ill or injured and is unable to work up to 13 weeks. Benefit amount – 60% of your weekly salary for up to 12 weeks (following a 7-day waiting period). See full plan description for specifications and limitations.

• STD Highlight sheet – Class 2 (All active, Full-Time employees)
• STD Highlight sheet – Class 1 (All active, Full-Time Management employees)
  • Managers level and above receive this benefit free of cost from Sun Health – new effective 7/1/2026 – information coming soon

Long Term Disability

Long Term Disability (LTD) insurance is designed to protect an employee’s income for up to five years after the short-term disability period has expired (at least 90 days from event).

• • Benefit amount – 60% of your salary for up to maximum benefit period (see plan highlight below)

• LTD Highlight sheet – Class 2 (All active, Full-Time employees)
• LTD Highlight sheet – Class 1 (All active, Full-Time Management employees)
  • Managers level and above receive this benefit free of cost from Sun Health

 Ancillary Plan Vendor:  Mutual of Omaha

Click HERE to view the Rate Sheet for these plans

Accident Insurance

• Benefit Overview Flyer
• Benefit Overview Flyer – Spanish
• Accident Claim Form

Critical Illness Insurance 

• Benefit Overview Flyer
• Benefit Overview Flyer – Spanish
• Critical Illness Claim Form

Notes:
Team Member premiums are calculated based on amount of coverage elected and then based on your age band.
Spouse premiums are also calculated on amount of coverage elected, and then based on the Team Member’s DOB/Age Band.
If electing coverage for dependent child(ren), a separate premium is NOT required – there is no cost to Team Member for this coverage.  Premiums will be $0

Hospital Indemnity

• Benefit Overview Flyer
• Benefit Overview Flyer – Spanish
• Hospital Indemnity Claim Form

FYI – Each of these supplemental insurance plans has a Health Screening Benefit attached to them.  Team Members are eligible to complete the claim form below to request reimbursement of $50 for having a health screening done.  Once the form is completed, it can be submitted to Mutual of Omaha for processing.  Team Members can file a claim 1 time per insured, per calendar year; up to max of 6 covered family members per year.  See the plan highlight sheets above.  Any questions, please contact Mutual of Omaha directly at 1-800-228-7104 (www.mutualofomaha.com).

Health Screening Benefit Claim Form

Health Savings Account Vendor: Inspira Financial … (formerly Payflex)

What is an HSA?  Team Members who enroll in a High-Deductible Health Plan (HDHP) may qualify to open an HSA (Health Savings Account).  You can use pre-tax funds, to be deposited into an account to pay for out-of-pocket, eligible healthcare expenses. Unspent money is portable and rolls over into the next benefit year to cover expenses or to continue earning interest tax free.  HSA’s differ from an FSA in that you can take your money with you if you switch employers, or even if you change health insurers.  As you add funds into your account, your contributions reduce your annual taxable income.  The funds you withdraw to pay for qualified medical expenses remain untaxed and you save again when funds in your HSA accounts earn interest tax free.

Team Members can start/stop or change their contributions at any time during the year. 

Please contact Benefits at Benefits@sunhealth.org or by phone (602) 980-1800 for assistance with contribution updates. 

HSA limits are set by the I.R.S. each year and contribution limits are based on calendar year (January – December).
The contribution limits for 2026 are as follows:

• Individual: $4,400
• Family: $8,750

For those that are of Age 55 and older, there is an additional $1,000 catch up to the amounts listed above.

HSA Store – Click Here to log into the HSA store for eligible products to purchase using your Health Savings Account funds.

Inspira Financial HSA Flyer
Individual’s Guide to HSA
HSA Fee Schedule

Flexible Spending Accounts (FSA) Vendor:  Inspira Financial 

Team Members have option to participate in two Flexible Spending Account options:

Health Care-FSA:

Team members may participate in the medical reimbursement account and set aside pre-tax dollars that can be used for medical, dental, vision and other eligible expenses as outlined by the IRS for you and your eligible dependents. Funds are eligible for use as of the plan year (July 1 – June 30th) or the Team Member’s benefit eligibility date – June 30th.  Contributions will be deducted pre-tax throughout the plan year from your paychecks.  Deductions amounts will be based on the number of pay periods left in the plan year based on benefit eligible period.

FY 2026-2027 (July 1, 2026 – June 30, 2027) 

Limit: $3,400
Minimum election amount required: $50

• You may rollover up to $680 (from FY 25-26) of unused FSA dollars into the FY 26-27 plan year
• You do not need to elect in the new plan year to be eligible for your rollover funds, but rollover funds will be forfeited as of 7/1/2027 if not spent for eligible expenses by 6/30/2026.

Dependent (Day) Care FSA:

Team members may participate in the dependent care account and set aside pre-tax dollars to help pay for childcare expenses. Funds are eligible for use once every payday. This plan is a use it or lose it benefit. Any unused funds in this account will be forfeited at the end of the plan year.

FY 2026-2027 (July 1, 2026 – June 30, 2027) 

Limit: $7,500 (per household)
(or $3750 if you and your spouse file separate tax returns).

FSA Resources:

• Save Smarter with FSA
• Quick Reference Guide
• Guide to your Inspira Card
• Keeping your FSA card Active & Ready for use
• Inspira – Request for Reimbursement form
• Click Here to visit the FSA Store

Effective 7/1/2025, We are pleased to be able to offer HealthJoy to those Team Members that are actively enrolled in medical coverage through Sun Health at NO cost.  HealthJoy gives you one place to go for any healthcare question, challenge or need.  The mobile app personalizes your benefits – saving you money and helping you lead a happier and healthier life.

HealthJoy helps by:

• Simplifying your healthcare experience
• Personalizing your goals and needs
• Saving you time and money
• 24/7 support from benefits experts

Please use links below to get a better understanding of all the GREAT things HealthJoy can do for you & family!

• What is HealthJoy – English / Spanish
• Member Overview with TeleDoc
• Benefits Wallet
• Healthcare Concierge – English / Spanish
• Online Medical Consultations – English / Spanish
• Rx Savings – English / Spanish
• Bill Review Assistance – English / Spanish
• Chat with Joy (AI Chat Assistance)
• Downloading HealthJoy – English / Spanish
• How to Add a Dependent on HealthJoy

HealthJoy: Employee Assistance Progam (EAP):  Click HERE to view the flyer

• Coping with Grief and Loss

Employee Assistance Program (EAP) – offered through Mutual of Omaha 
(this is a company provided benefit)

Life has its share of ups and downs- and sometimes you may need a little guidance through the “downs.” The Employee Assistance Program provides you and your family access to unlimited confidential 24/7 assistance for information and resources on:

• Counseling Options (In Person or Telehealth)
• Family Legal services
• Family Financial services
• Work/Life services
• Online services (inclusive website with resources and links for additional services) – see flyer

Communication (either via phone or online materials) are available in both English and Spanish.

All full-time employees and their immediate family members (spouse and/or dependent children who are unmarried and under 26 years) who reside with the employee.

Review the flyers below: 

• Mutual of Omaha – EAP Flyer
• How To Contact EAP
• Surviving a Critical Incident
• Financial Wellness Flyer

Click HERE to view a video of the comprehensive EAP plan available to our Team Members to help maximize the benefits available to you and your family.

NOTE:  EAP is also offered through HealthJoy for those Team Members that are actively enrolled in the medical coverage through Sun Health – see HealthJoy section for more information and the flyer.

We understand that pets are part of the family and that your pet isn’t “just a pet.”  Sun Health partners with United Pet Care to offer a pet benefit to support you in caring for them. United Pet Care is the affordable pet health savings plan that works for all pets!

United Pet Care is the affordable pet health savings plan that works for all pets.  It’s not a pet “insurance” plan where you can encounter issues with pre-existing conditions, etc.  Instead by visiting an “in-network” primary care vet, you can save 20-50% on every visit.

By becoming a UPC member, you’ll also gain lifetime access to:

• Free 24/7 virtual care for off-hour questions and concerns
• Savings on prescriptions with a human equivalent
• Savings on mobile care, testing kits and more
• Active membership is for the lifetime of your pet, not just while you are with Sun Health

Great News! You can enroll, make changes & or cancel this benefit anytime! You do not have to wait for the annual benefits enrollment to get started!  You will enroll directly through United Pet Care, and they will notify us and we will set you up in UKG for paycheck deductions based on their notification.

Monthly Membership Rates:

• 1st Pet = $17.50
• Each additional Pet = $16.50

Click on the flyers below for the website to enroll or you can scan the QR code to get started! 

• Benefits Summary
• Benefits Coverage & Overview – English
• Benefits Coverage & Overview – Spanish

Vet Spending Card – Fido (powered by medZERO) –   Is an option to apply for a 0% interest/Zero fees card to help pay for vet costs to care for your animal.
Click HERE to view more information about this option!

As part of Sun Health’s commitment to Vibrant Living, team members can take charge of their health with a guided wellness program designed to support their goals, improve energy, and enhance overall well-being – all with the flexibility Sun Health employees deserve.

Are you …

• Overwhelmed by conflicting health advice?
• Tired of starting programs you can’t stick with?
• Looking for clear direction and accountability?
• Focused on long-term health, not quick fixes?
• Ready for a plan that fits real life?

For more detailed information on this wonderful program, please click HERE to be redirected to the Vibrant Life Choices Employee enrollment page.

Team Member Emergency Fund

The Employee Association is a nonprofit organization that was formed in 2008 in an effort to aid Sun Health team members in times of need. The concept of the organization began when a team member approached management with a request to hold a bake sale to assist with fellow team members’ medical bills. With more than 400 team members on staff at that time, leaders saw a tremendous opportunity to create a formal plan to support our team members in need. As a result, the Employee Association was formed.

Over the years, the Association has brought relief and support to many team members in need and is sure to positively impact the lives of many more to come. The Employee Association is just one of the ways Sun Health shows its gratitude for our team members’ commitment to our mission to champion healthy living, research and superior health care.

Purpose

This association was created to provide monetary assistance to the members of the Sun Health Employee Association for circumstances such as the occurrence of any unexpected event or combination of circumstances that jeopardize the individual’s health and welfare.
Example of undue hardships include:

• Offering assistance in time of need e. g. funeral expenses for the death of an immediate family member or the travel costs to see an ailing close relative.
• Living expenses due to damage caused to team members dwelling
  (fire or storm)
• Significant loss of household income due to events such as robbery or emergency medical expenses.

Please click HERE to be directed to the Team Member Emergency Fund page.  This page contains FAQ’s, how to request assistance or yourself or a needed Team Member and also how you can donate to the fund.