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Benefits Overview

/Benefits Overview

2025-2026 Benefit Overview
Plan Year: July 1, 2025 – June 30, 2026

 

2025- 2026 Benefits Guide:

We encourage you to view the Benefits Presentation (see links below) to gain a better understanding of your options for the July 1, 2025 plan year.  These videos complement the information provided in the Benefits Guide.

Click HERE for video in English
Click HERE to view in Spanish

For additional information on each of the benefits being offered, please expand the links below.

*This information provides an overview of the benefits plans and should not be construed as a Summary Plan Description, Certificate of Coverage or Plan Document, and should not be relied upon to fully determine coverage. Benefit plans may be changed for any reason, to the extent allowed by law.

Medical

Medical Plan Vendor:  Aetna

Summary of Benefits & Coverage (SBC’s) 

Banner-Aetna (Narrow) Network plan

Aetna (Broad-National) Network Plan (those Team Members that reside outside of AZ must choose the Broad Network plan)

Which Network to Choose?

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 Aetna Broad Network (Aetna Choice POS II Network) – would apply to those that reside outside of 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.

Additional Health Insurance Resources

Dental

**NEW** Dental Plan Vendor:  Ameritas

Base/Low Plan

Buy-Up/High Plan

Enhanced Benefits

Vision

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

Company Paid and Voluntary Life Insurance

Life Insurance **NEW** 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.

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.

This Open Enrollment period is the perfect opportunity for Team Members who may not currently have any voluntary life but have been thinking of electing.  Team Members can elect up to $150,000 for themselves, up to $30,000 for a Spouse and $10,000 for a Child without having to provide evidence of insurability (EOI).  These are “guaranteed issue” amounts.

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

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 and Long Term Disability

Short-term & Long-Term Disability
**NEW** 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.

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 Plans: Accident, Critical Illness & Hospital Indemnity

 **NEW** Ancillary Plan Vendor:  Mutual of Omaha

Accident Insurance

Critical Illness Insurance 

**New** Hospital Indemnity

Health Savings Account (HSA)

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 2025 are as follows:

  • Individual: $4,300
  • Family: $8,550

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)

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 2025-2026 (July 1, 2025 – June 30, 2026) 

Limit: $3,300
Minimum election amount required: $50

  • You may rollover up to $660 (from FY 24-25) of unused FSA dollars into the FY 25-26 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 7/1/2026 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 2025-2026 (July 1, 2025 – June 30, 2026) 

Limit: $5,000 (per household)

(or $2500 if you and your spouse file separate tax returns).

FSA Resources:

HealthJoy - Making healthcare & wellness easier!

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!

Support Programs

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

EAP also offered through HealthJoy for those Team Members that are actively enrolled in the medical coverage – see HealthJoy section for more information

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:

Review the flyers below for contact information.

  • Employee Assistance Program Flyer

 

 

 

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.

Additional Resources

  • FY 2025 – 2026 Payroll Calendar
  • 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.
  • 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.

*This information provides an overview of the benefits plans and should not be construed as a Summary Plan Description, Certificate of Coverage or Plan Document, and should not be relied upon to fully determine coverage. Benefit plans may be changed for any reason, to the extent allowed by law.