Benefits Overview

Medical Plan Vendor:  Banner-Aetna

Summary of Benefits & Coverage (SBC’s) 

For those Team Members that live in Arizona:

• High Deductible Health Plan (HDHP)
• Base Plan
• Buy-Up Plan

For those Team Members that live outside of Arizona:

• High Deductible Health Plan (HDHP)
• Base Plan
• Buy-Up Plan

Schedule of Benefits 

For those Team Members that live in Arizona:

• High Deductible Health Plan (HDHP)
• Base Plan
• Buy-Up Plan

For those Team Members that live outside of Arizona:

• High Deductible Health Plan (HDHP)
• Base Plan
• Buy-Up Plan

Virtual Telemedicine 

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.

• 98point6 Website
• Account Access Flyer
• Demo Video 

Additional Health Insurance Resources

• Provider Search Instructions
  • Note: the best way to search for “in-network” providers is to log into your online Aetna account and search.  The search will be based on your member ID and plan information.
  • Click Here for direct search link for those Team Members that live in AZ (Banner-Aetna Performance Network)
  • Click Here for search link for those Team Members that live outside of AZ (National Network – Aetna Choice POS II Network)
• Aetna Discount Weight Management Program
• Aetna VIRTA Program (specifically designed for Type 2 Diabetes management)
• Aetna Discount Program 
• Simple Steps to a Healthier Life Incentive 
• Minute Clinic
• NSA – No Surprise Act – Avoid surprise out-of-network charges if you did not have a choice in using an out-of-network provider (e.g. anesthesiologist or surgical assistant).

Dental Plan Vendor:  Aetna

Base Plan

• Benefit Plan guide
• Schedule of Benefits

Buy-Up Plan

• Benefit Plan guide
• Schedule of Benefits

Resources

• Dental Provider Search Instructions

Vision Plan Vendor:  Vision Service Plan (VSP)

Summary of Benefits & Coverage

Account Access Flyer 

Mobile Account Access Flyer

Exclusive Member Extras

Eyeconic Program Benefit

Life Insurance Vendor: New York Life

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 Certificate of Coverage for full details.

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

Team members may request voluntary life insurance for themselves, their spouse, and eligible dependents (up to age 26).  For those Team Members that are newly eligible for benefits, you are offered coverage up to $150,000 for yourself, and $30,000 for spouse as guaranteed coverage without having to provide evidence of insurability (EOI).  You can refer to page 16 of the Benefits Guide booklet for summary of information.

For requests above the guaranteed amounts, EOI form is needed and coverage is subject to underwriting by New York Life.

• Employees – Must elect in $10,000 increments, but not to exceed 5x your salary (or $500,000 max)

Note: Team Members who are age 70 or older; maximum benefit is $50,000

• Spouse – Employees must elect Voluntary coverage for themselves to add coverage for Spouse. Must elect in $5,000 increments, coverage can’t exceed 2.5x team members annual salary & coverage amount not to exceed 50% of the Team Member’s elected coverage for Voluntary Life insurance up to a max of $150,000.  Coverage for a spouse must end, once they turn 70 years of age.

• Dependent – Birth to 6 months: $500 max; 6 months to age 26: $10,000 max

Note: coverage for Dependents does not require EOI.  You pay one rate for all eligible dependents.

Outside of new benefit eligibility (during open enrollment periods), any requests for Voluntary Life Insurance for Team Members and Spouses will require the EOI form to be completed & to be approved by New York Life.

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

• Group Life Insurance Certificate (Basic & Voluntary policies)
• Group Accidental Death & Dismemberment (AD&D) Certificate (Basic & Voluntary policies)

Short-term & Long-Term Disability Vendor:  New York Life

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 13 weeks (following an 7-day waiting period). See full plan description for specifications and limitations.

• STD Policy Document
• STD Benefits Claims Form
• How to File a Disability Claim

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 5 years following 24 months of coverage. See full plan description for specifications and limitations.
  • Employees who are first time eligible for this coverage do not need to provide evidence of insurability. Employees who waive the coverage when they are first time eligible will need to provide evidence of insurability if they wish to elect coverage later (during a subsequent open enrollment).
  • Managers level and above receive this benefit free of cost.

• LTD Policy Document – Class 1 (All active, Full-Time Management employees)
• LTD Policy Document – Class 2 (All active, Full-Time employees)
• LTD Benefits Claim Form
• How to File a Disability Claim

 Supplemental Plan Vendor:  Aetna

Accident Insurance

• Benefit Overview Flyer
• Benefit Overview Flyer – Spanish

Critical Illness Insurance 

• Benefit Overview Flyer
• Benefit Overview Flyer – Spanish

Team Members have two (2) easy ways to manage their plans:

1. The member portal at MyAetnaSupplemental.com
2. The MyAetna Supplemental mobile app, where Team Members can:
   – View coverage and plan documents
   – Submit and track claims
   – Sign up for direct deposit of benefit payments
   – Upload documents on the portal, or take a picture on the mobile app
   – Download forms

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 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 2024 are as follows:

• Individual: $4,150
• Family: $8,300

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 (effective 7/1/2024)

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 2024-2025 Limit: $3,200
(July 1, 2024 – June 30, 2024) 

• You may rollover up to $640 (from FY 23-24) of unused FSA dollars into the FY 24-25 plan year (but must have re-elected in FSA for July 1, 2024)

Dependent (Day) Care Account

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 2024-2025 Limit: $5,000 (per household)
(July 1, 2024 – June 30, 2024) 

FSA Resources:

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

Employee Assistance Program (EAP)
(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:

-In-person assistance up to 3 sessions with a counselor per person, per issue
-referrals on family matters
-kennels and pet care
-event and vacation planning
-moving and relocation
-car buying
-college planning
-legal information and resources
-guidance on financial matters, including household budgeting
-short and long term disability planning

Review the flyers below for contact information.

Employee Assistance Program Flyer

Counseling and Wellness Support

Financial Legal Estate Support Customer Flyer

EstateGuidance®

LegalConnect®

Secure Traveler (Travel Assistance)

Sun Health Wellness 

Memory Care Family Support Resources

Healthy Mindsets Program

Whether you’re interested in losing weight, coping with stress, managing a chronic illness, reducing worry and depression, or learning ways to boost your health, happiness, and personal performance- you’ll find confidential and complimentary self-directed solutions with the Healthy Mindsets Program. Healthy Mindsets offers services on the following topics

• Assess Yourself
• Emotional Stress Conditions
• Positive Habit Cycles
• De-stressing about Stress
• Persistent Health Conditions
• Special Programs and Products
• Resiliency4Life
• The Road Map to Peace of Mind

Access the flyer below for account and login instructions.

Sun Health Wellness – Healthy Mindsets Portal 

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.

• FY 2024-2025 Payroll Calendar
• VSP – Hearing Aid Discount Program
• Netspend
  • Click here to learn how to sign up for Netspend on your smartphone (Android or Iphone)
  • Access your earned wages instantaneously. Netspend provides on-demand access to up to 50% of the funds they have earned in the current pay period. Using our simple app, employees can easily transfer their funds.
  • Money can be transferred to a bank account via ACH at no cost in around 2-5 business days also have access to cash and FREE direct deposit or money can expedited transfer to a Skylight payroll card or a Netspend Skylight deposit account. Transfers may typically occur within minutes.
• The Employee Network Discounts
  • Access to over thousands of discounts which include theme park tickets, travel, restaurants & so much more
  • Click here for the website
  • Click here to see all of the amazing employee discounts that is offered to you as a Sun Health employee.
    • Company code: Sun Health
• Planet Fitness Membership
  • Click here to see participating locations and membership discount information.
• Verizon Employee Discount
  • Click here and follow the quick and easy steps to apply a 22% discount to your existing account. You may always contact Verizon for additional help and resources.
• Aetna Discount Program
• Travel Assistance
• Financial Coaching
• United Pet Care Insurance
  This coverage is not exclusive to open enrollment.  It can be elected at any time through the plan year. Please review the Benefit Coverage link below for more information.
  • UPC Benefit Coverage & Overview
  • UPC Benefit Overview Spanish
  • UPC Benefit Coverage Spanish
  • UPC – **WhiskerDocs** (English)
  • UPC-**WhiskerDocs** (Spanish)