2024-2025 Benefit Overview
Plan Year: July 1, 2024 – June 30, 2025
Medical Plan Vendor: Banner-Aetna
For those Team Members that live in Arizona:
For those Team Members that live outside of Arizona:
For those Team Members that live in Arizona:
For those Team Members that live outside of Arizona:
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.
Dental Plan Vendor: Aetna
Base Plan
Buy-Up Plan
Resources
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.
Note: Team Members who are age 70 or older; maximum benefit is $50,000
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.
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.
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).
Supplemental Plan Vendor: Aetna
Accident Insurance
Critical Illness Insurance
Team Members have two (2) easy ways to manage their plans:
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:
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:
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)
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)
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
Secure Traveler (Travel Assistance)
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
Access the flyer below for account and login instructions.
Sun Health Wellness – Healthy Mindsets Portal
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:
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.
*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.