Medical

Overview

As an eligible Sonos employee you have a choice of medical plans with a range of coverage levels and costs, so you have the flexibility to select the option that’s best for you. All of the options provide comprehensive medical and prescription drug coverage. For complete cost and coverage details and to enroll, visit Workday.

Medical Plans

Depending on where you live and work, you will be able to choose from the following Sonos medical plan options.

Plan	Description
Preferred Provider Organization (PPO) Plan Administered by Aetna	A PPO plan gives you access to a network of licensed physicians and health care facilities that agree to charge members discounted fees.
Consumer-Driven Health Plan (CDHP) Administered by Aetna	A CDHP has a higher deductible, but this plan puts you in charge of your spending through lower per-paycheck premiums and the ability to contribute to a tax-advantaged Health Savings Account (HSA).
Health Maintenance Organization (HMO) Plans Administered by Aetna in California and Tufts Health Plan in Massachusetts/select New England areas	HMO plans provide benefits only when you receive care from doctors and facilities in the HMO network. Care must be coordinated by your Primary Care Provider. You’re not required to pay an annual deductible for this plan. You’ll pay the fixed copay for each service or visit, and then the HMO pays 100% of the remaining cost for most eligible medical expenses.
Compare the plans

All of the medical plans available through Sonos offer:

Comprehensive, affordable coverage

that also fulfills the requirements of the health care reform law. Tip: If you need extra protection from large or unexpected medical expenses, you may also choose to enroll in supplemental medical coverage.

No cost for in-network preventive care,

with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.

Prescription drug coverage

included with each medical plan.

Financial protection

through annual out-of-pocket maximums that limit the amount you’ll pay each year.

Get to know your plan

Compare plan costs

See your monthly contributions for medical coverage.

Save money

Learn how to be a savvy health care consumer.

PPO Plan

Sonos offers a PPO plan that lets you receive care from any licensed physician or health care facility in the PPO and gives you access to network providers who agree to charge members discounted fees. You can receive care from an in-network provider anywhere in the U.S., and your claims will be paid at the negotiated rate, which saves you money. If you go to a non-PPO (out-of-network) provider, you’ll pay a percentage of a maximum allowable amount.

How It Works

Your in-network preventive care is covered 100% at no cost to you.
For most in-network services, you pay a copay only and the deductible does not apply. This applies to services including office visits, specialist visits, physical/speech therapy, and urgent care visits.
For other in-network care, such as hospital services, you pay those costs until you meet your annual deductible.
Once the deductible is met, you’ll pay a percentage of your covered medical expenses; this amount is called your coinsurance.
If your share of medical expenses reaches an amount called the out-of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the year. All medical and prescription drug payments (including copays) made throughout the year count toward the out-of-pocket maximum.

Here are ways to make the most of your plan all year long.

Choose the right Primary Care Provider (PCP).

Using an in-network doctor for your care will save you money. Search for network providers on the Aetna website.

Track your stats.

Log in to the Aetna website to see how much of your deductible you’ve met, review claims, use helpful tools, and more.

Think about your costs.

You pay higher premiums than the CDHP medical option, in exchange for assuming less financial responsibility when you receive care, so it’s smart to plan ahead. Consider contributing to a tax-advantaged Flexible Spending Account (FSA) to cover your expected out-of-pocket costs, such as your annual deductible and coinsurance.

If you are newly enrolling in an Aetna plan or have not registered with Aetna Navigator, you will receive a plastic ID card in the mail. If you’re an existing member and are registered on Aetna Navigator, at the start of each year, you will receive an email that explains how to retrieve your electronic ID card online.

To request a physical ID card at any time for you or a dependent, go to Aetna Navigator, call Aetna HMO Member Services at 800.445.5299, or call Aetna PPO/CDHP Member Services at 877.204.9186.

CDHP

A consumer-driven health plan (CDHP) has two parts that work together to provide you with comprehensive coverage:

High Deductible Medical Plan	+	Health Savings Account (HSA)	=	CDHP

How It Works

The CDHP works like a traditional PPO plan in many ways, but it also has key differences:

How it's the same	How it's different
Covers the same health care services Uses a large national network of providers in the Aetna network Provides comprehensive coverage All medical and prescription drug payments (including copays) made throughout the year count toward the out-of-pocket maximum	Has lower per-paycheck premiums Has a higher deductible that you need to meet Has no medical copays; coinsurance always applies, except for in-network preventive care Preventive medications like vaccines, smoking cessation agents, and blood pressure and cholesterol lowering drugs are covered at 100% Allows you to establish a Health Savings Account (HSA) — a tax-advantaged savings account that can be used to pay for health care expenses now or in the future

How it's the same

How it's different

Covers the same health care services
Uses a large national network of providers in the Aetna network
Provides comprehensive coverage
All medical and prescription drug payments (including copays) made throughout the year count toward the out-of-pocket maximum

Has lower per-paycheck premiums
Has a higher deductible that you need to meet
Has no medical copays; coinsurance always applies, except for in-network preventive care
Preventive medications like vaccines, smoking cessation agents, and blood pressure and cholesterol lowering drugs are covered at 100%
Allows you to establish a Health Savings Account (HSA) — a tax-advantaged savings account that can be used to pay for health care expenses now or in the future

Keep in mind: Individuals enrolled in family coverage only need to satisfy the individual deductible and out-of-pocket maximum. You won’t be responsible for paying more than the amounts listed (see the CDHP chart).

Here are ways to make the most of your plan all year long.

Choose the right Primary Care Physician (PCP).

Using an in-network doctor for your care will save you money. Search for network providers on the Aetna website.

Track your stats.

Log in to Aetna’s website to see how much of your deductible you’ve met, review claims, use helpful tools, and more. Likewise, keep tabs on your HSA by logging in to HealthEquity to view your balance, submit claims, and more.

Think about your costs.

Contribute enough to your HSA to cover your expected out-of-pocket costs, such as your annual deductible and coinsurance.

Change your contributions anytime.

Adjust your contributions as necessary during the year to make sure you have money available when you need it. You can only spend HSA money that’s actually been deposited into your account.

Look long term.

You will never forfeit any money left in your HSA — it rolls over year after year. If you know about future expenses — or if you want to save for your health care costs in retirement — set aside a little extra each paycheck so your balance can grow over time.

Health Savings Account (HSA) Limits

With the CDHP, you can contribute money to an HSA, administered by HealthEquity.

Up to $4,150 for employee-only coverage
Up to $8,300 for family coverage

If you are age 55 or older, you can contribute an additional $1,000 each year.

HMO Plans

The HMOs provide coverage only when you receive care from providers within the HMO network (except for life-threatening emergencies). Your Primary Care Provider (PCP) will coordinate your care to help manage costs.

How It Works

These plans have no in-network annual deductible, which means they begin paying benefits right away.
These plans offer 100% coverage after you pay the flat copay for most covered services.
If your share of medical expenses reaches an amount called the out-of-pocket maximum, you won’t have to pay anything for the rest of the calendar year.
With the HMO plans, your care must be coordinated by your Primary Care Provider or the plans won’t pay benefits (except in an emergency).
Keep in mind that in order to enroll in an HMO, you and all of your covered dependents must reside in the service area for the HMO network.

Here are ways to make the most of your plan all year long.

Choose the right PCP.

Your doctor will manage your care and provide referrals if you need to see a specialist. Search for network providers on the Aetna or Tufts websites.

Pair it with a Health Care FSA.

If you enroll in the Health Care FSA when enrolling in the HMO, you can set aside pre-tax dollars to help pay for your out-of-pocket costs.

Estimate your expenses and plan wisely,

as you are only allowed to roll over up to $610 of unused money in your FSA to the next year; you will forfeit amounts above $610. (2024 funds can be used for expenses incurred January 1, 2024, through March 15, 2025.)

Know where to get care.

You’ll pay more (and likely face a long wait) if you go to the emergency room for issues that could be resolved at an urgent care center or your doctor’s office.

Plan Comparison

The following is a brief summary of plan benefits. Be sure to review the Employee Premiums for each plan, and use the ALEX Go tool to compare what you'll pay under each medical plan option for different health care usage scenarios.

U.S. PPO and CDHP Medical Plans

	Aetna PPO Classic		Aetna CDHP (HSA Eligible)
Medical Plan Premiums	Employee Only: $57.30 Employee + Spouse/DP: $135.48 Employee + Child(ren): $116.04 Family: $189.60		Employee Only: $15.12 Employee + Spouse/DP: $67.30 Employee + Child(ren): $50.18 Family: $125.52
Medical Plan Coverage	In-Network: Member Pays	Out-of-Network: Member Pays	In-Network: Member Pays	Out-of-Network: Member Pays
Annual Deductible
Per Member	$500	$750	$1,600	$5,000
Per Family	$1,500	$2,250	$3,200	$10,000
Per Individual in Family Coverage	N/A	N/A	$3,200	$5,000
Annual Out-of-Pocket Maximum
Per Member	$3,000	$10,000	$6,500	$15,000
Per Family	$6,000	$20,000	$13,000	$30,000
Per Individual in Family Coverage	N/A	N/A	$6,500	$15,000
Lifetime Maximum	Unlimited	Unlimited	Unlimited	Unlimited
Primary Care
Office Services	$25 copay*	Deductible, then 40%	Deductible, then 10%	Deductible, then 30%
Preventive Care (immunizations, OB/GYN exam, routine mammogram & colonoscopy)	100% covered*	Deductible, then 40%	100% covered*	Deductible, then 30%
Diagnostic Lab	Deductible, then 20%	Deductible, then 40%	Deductible, then 10%	Deductible, then 30%
Advanced Imaging (MRI, CT, etc.)	Deductible, then 20%	Deductible, then 40%	Deductible, then 10%	Deductible, then 30%
Specialty Care
Specialist	$35 copay*	Deductible, then 40%	Deductible, then 10%	Deductible, then 30%
Acupuncture	$25 copay*	Deductible, then 40%	Deductible, then 10%	Deductible, then 30%
Physical Therapy/Speech Therapy	$35 copay*	Deductible, then 40%	Deductible, then 10%	Deductible, then 30%
Inpatient Hospital/Facility Services
Admission (including maternity)	Deductible, then 20%	Deductible, then 40%	Deductible, then 10%	Deductible, then 30%
Skilled Nursing Facility	Deductible, then 20%	Deductible, then 40%	Deductible, then 10%	Deductible, then 30%
Outpatient Hospital/Ambulatory Care Facilities
Urgent Care	$25 copay*	Deductible, then 40%	Deductible, then 10%	Deductible, then 30%
Emergency Room Services (copay waived if admitted)	Deductible, then 20% after $200 copay	Deductible, then 20% after $200 copay	Deductible, then 10%	Deductible, then 10%
Outpatient Surgery	Deductible, then 20%	Deductible, then 40%	Deductible, then 10%	Deductible, then 30%
Infertility Benefits
Gamete Intrafallopian Transfer (GIFT)	Deductible, then 20%	Deductible, then 40%	Deductible, then 10%	Deductible, then 30%
Artificial Insemination, IVF, ZIFT, ICSI	Deductible, then 20%	Deductible, then 40%	Deductible, then 10%	Deductible, then 30%
*Deductible does not apply. Please refer to the plan summaries for information on infertility benefits and applicable lifetime limitations and maximums.

	Aetna PPO Classic		Aetna CDHP (HSA Eligible)
	In-Network: Member Pays	Out-of-Network: Member Pays	In-Network: Member Pays	Out-of-Network: Member Pays
Prescription Drugs – Retail (30-day supply) Deductible does not apply for 30-day prescriptions under the PPO plan. Coverage for 30-day prescriptions under the CDHP plan is subject to the plan’s calendar-year deductible.
Female Oral Contraceptives	No copay	Not covered	No copay (deductible waived)	Not covered
Generic	$10 copay	50%	Deductible, then $10 copay	Deductible, then 30%
Brand Formulary	$30 copay	50%	Deductible, then $30 copay	Deductible, then 30%
Brand Non-formulary	$50 copay	50%	Deductible, then $50 copay	Deductible, then 30%
Prescription Drugs – Mail Order (90-day supply) Deductible does not apply when placing a mail order under the PPO plan, but the deductible does apply to the CDHP plan.
Female Oral Contraceptives	No copay	50%	No copay (deductible waived)	30%
Generic	$10 copay	50%	Deductible, then $10 copay	Deductible, then 30%
Brand Formulary	$60 copay	50%	Deductible, then $60 copay	Deductible, then 30%
Brand Non-formulary	$100 copay	50%	Deductible, then $100 copay	Deductible, then 30%
Specialty Drugs – Supply Limitation Varies by Drug	30% ($30 minimum, $120 maximum)	Not covered	Deductible, then 30% ($30 minimum, $120 maximum)	Not covered

California and Massachusetts HMO Medical Plans

	California Aetna HMO: Member Pays	Massachusetts Tufts Health Plan HMO: Member Pays
Medical Plan Premiums	Employee Only: $55.61 Employee + Spouse/DP: $132.60 Employee + Child(ren): $111.10 Family: $183.78	Employee Only: $48.59 Employee + Spouse/DP: $123.37 Employee + Child(ren): $101.87 Family: $174.55
Annual Deductible
Per Member	None	None
Per Family	None	None
Annual Out-of-Pocket Maximum Per Member
Per Member	$2,500	$6,350
Per Family	$5,000	$12,700
Lifetime Maximum	Unlimited	Unlimited
Office Visits	$30 copay	$35 copay for primary care, $45 copay for specialists
Preventive Care (immunizations, OB/GYN exam, routine mammogram & colonoscopy)	100% covered	100% covered
Diagnostic Lab	No copay	No copay
Advanced Imaging (MRI, CT, etc.)	$100 copay	$100 copay
Specialty Care
Specialist	$40 copay	$40 copay
Acupuncture	$15 copay	$30 copay
Physical Therapy/Speech Therapy	$30 copay	$40 copay
Inpatient Hospital/Facility Services
Admission (including maternity)	$250/admission	$1,000/admission
Skilled Nursing Facility	$250 copay	No copay
Outpatient Hospital/Ambulatory Care Facilities
Urgent Care	$30 copay	$40 copay
Emergency Room Services (copay waived if admitted)	$100 copay	$150 copay
Outpatient Surgery	$125 copay	$500 copay
Infertility Benefits
Gamete Intra-fallopian Transfer (GIFT)	$40 copay	Member responsibility varies based on service. Please reference the Tufts Summary Plan Description for more information
Natural Artificial Insemination	$40 copay	Member responsibility varies based on service. Please reference the Tufts Summary Plan Description for more information
Prescription Drugs – Retail (30-day supply)
Female Oral Contraceptives	No copay	No copay
Generic	$10 copay	$15 copay
Brand Formulary	$30 copay	$45 copay
Brand Non-formulary	$50 copay	$60 copay
Specialty and Select Brand	N/A	$100 copay
Prescription Drugs – Retail (90-day supply)
Female Oral Contraceptives	No copay	No copay
Generic	$10 copay	$30 copay
Brand Formulary	$60 copay	$90 copay
Brand Non-formulary	$100 copay	$180 copay
Specialty and Select Brand	N/A	$300 copay
Drugs – Supply Limitation Varies by Drug	30% ($100 maximum)	Copay based on the applicable drug category listed above

Find a Doctor

Using in-network providers saves you money. Here’s how to find doctors in your medical plan network.

Aetna

Log into your Aetna account.
Click on Find a Doctor in the top navigation bar and follow the prompts.

Tufts Health Plan

Log into your Tufts Health Plan account.
Click on Find a Doctor, Hospital … in upper right corner.
Select your state and your plan.

You can also review the Tufts Health Plan Service Area Map to see what types of providers are available in your area.

Search Providers Before You Enroll

Not a member yet? To search medical providers before enrolling:

For Aetna, click here to learn more.
For Tufts, go to Tufts Health Plan and search by entering your zip code in "Location" from the top navigation bar.

Telemedicine

Telemedicine for Aetna Medical Plans

If you’re enrolled in an Aetna medical plan, telemedicine is provided through Teladoc. Costs for virtual care are shown in the table below.

	Aetna CDHP*	Aetna PPO	Aetna HMO
Teladoc virtual medical visit	$49 copay	$25 copay	$40 copay
Teladoc virtual behavioral health visit	Therapist: $85 copay Psychiatrist: $190 copay for first visit $90 copay for ongoing visits	$35 copay	No cost
Teladoc virtual dermatology visit	$75 copay	$35 copay	$40 copay

Aetna CDHP*

Aetna PPO

Aetna HMO

Teladoc virtual medical visit

$49 copay

$25 copay

$40 copay

Teladoc virtual behavioral health visit

Therapist: $85 copay

Psychiatrist:

$190 copay for first visit
$90 copay for ongoing visits

$35 copay

No cost

Teladoc virtual dermatology visit

$75 copay

$35 copay

$40 copay

*If you are enrolled in the Aetna CDHP, you pay the full costs shown here until you satisfy the deductible. After you meet the deductible, you pay 10% of the cost.

To get started log onto Teladoc or call 855.835.2362.

Telemedicine for Tufts Health Plan

If you’re enrolled in the Tufts Health Plan, telemedicine is provided through Teladoc. Costs for virtual care are as follows:

Teladoc (phone, web, or mobile app): No cost
Virtual visit with in-network PCP: $30 copay in 2023, $35 copay in 2024
Virtual visit with in-network specialist: $40 copay in 2023, $45 copay in 2024

To get started, log onto Teleadoc or call 855.835.2362.

Prescription Drugs

All Sonos medical plans include prescription drug coverage. When you purchase a prescription drug, you will pay a copay or coinsurance. Your copay will depend on the type of prescription (generic, brand formulary, brand non-formulary, or specialty) and on how the prescription is filled (retail or mail order).

Drug Tiers

The cost of your prescription drugs under each medical plan depends on the tier of the medication. Below are some important terms that you should know:

Generic: These drugs have the same chemical makeup as brand-name medications and are the most affordable prescription drugs available.
Brand Formulary: Brand formulary drugs, also known as preferred brand-name drugs, are listed on your prescription drug formulary (a list of drugs approved by the administrator). These types of drugs will generally cost more than a generic medication, but less than a non-formulary brand/non-preferred brand-name medication.
Brand Non-formulary: Brand non-formulary drugs are medications not on the plan’s formulary. These types of drugs are either newer drugs not yet on the formulary or drugs that are similar to other brand-name drugs. If you and your physician decide on a non-formulary/non-preferred brand-name drug, you will pay the highest out-of-pocket amount.
Specialty: These drugs are used to treat complex, chronic conditions and may require special handling and/or management.

Medical Plan Premiums

The chart below shows the paycheck deduction you will pay on bi-weekly basis for your medical coverage.

Enrollment Tier	PPO Aetna	CDHP Aetna	CA HMO Aetna	MA HMO Tufts Health Plan
Employee Only	$57.60	$15.12	$55.51	$48.59
Employee + Spouse/DP*	$135.48	$67.03	$132.60	$123.37
Employee + Child(ren)	$116.04	$50.18	$111.10	$101.87
Family	$189.60	$125.52	$183.78	$174.55

*Domestic partner premiums are subject to pre- and post-tax costs and includes imputed income.

Tools & Resources

Here are a number of tools to help you select your benefits each year, as well as to help you manage your health all year long.

TouchCare

TouchCare is our health care concierge service. This benefit is provided at no cost to you, and you're automatically enrolled. TouchCare helps you with things like:

Billing: If you get a confusing health care bill, they can investigate it for you. TouchCare will ensure the charge is correct or negotiate on your behalf with your provider or carrier when it is not.
Education: You can schedule an appointment with a TouchCare representative to review your benefit plans during Open Enrollment, ask detailed questions, and learn cost savings strategies.
Provider scheduling: TouchCare can search for providers based on your plan and preferences, and can even schedule appointments for you.
Cost estimates: Before you need a test or procedure, call on TouchCare to research your costs, so you know what to expect ahead of time.

ALEX Go Tool

To speed up your decision-making process, use ALEX Go! This tool allows you to:

Get personalized benefits advice.
Compare your plans with a family member’s plans to figure out which option gives you the best coverage for the lowest cost.
Save money by comparing prescription costs, forecasting Health Savings Account (HSA) savings, and more.
Review unbiased overviews of optional benefits, like Accident, Hospital Indemnity, and Critical Illness insurance plans.
Access support on the go with an experience that works just as well on your computer or your phone.

Aetna Medical Plan Resources

If you’re enrolled in an Aetna medical plan, visit Aetna’s website and find a number of resources to help you manage your health.

Here’s what you can do online:

Informed Health® Line offers consultations with a registered nurse anytime during the day or at night. Whether it’s a question about allergies, fever, types of preventive care, or any other topic, nurses are always there to provide support and peace of mind. With the Informed Health Line, nurses can help you choose the right place for care. To speak live with a specially trained nurse, call 800.556.1555.
Beginning Right Maternity Program is a free, confidential program to help you make good choices during pregnancy and help you have a safe delivery and a healthy child. Sign up as early as you can to get the most from the program. To speak with a Beginning Right nurse or to use any of the features of the program, go to Aetna/healthprograms or call 800.272.3531.
Teladoc gives you 24/7/365 access to a doctor through the convenience of phone or video consults. You can connect with doctors using the video chat function on your computer, smartphone, or tablet. Or, you can speak with a provider over the phone. Doctors can assess and diagnose conditions such as bronchitis and even fill prescriptions (depending on location by state) during your digital consultation. It's an affordable option for quality medical care. To get started, log onto Teleadoc or call 855.835.2362.
Aetna Mobile App allows you to find providers, check your coverage information, search your claims, contact Aetna, and more from your smartphone or tablet. The app is compatible with iPhone and Android operating systems. You can download the app by texting “Apps” to 23862.
Aetna Navigator is an easy-to-use website that stores all of your plan information and cost-saving tools in one place.
Member Payment Estimator is a tool to help you easily compare costs for office visits, procedures, and more at different doctor’s offices and hospitals. To access the tool, log into your Aetna account.

More resources from Aetna:

Tufts Health Plan HMO Medical Plan Resources

If you're enrolled in the Tufts Health Plan, register on the Tufts Health Plan website to get instant secure access to your personal health plan information.

Here’s what you can do online:

Manage your coverage: Review your benefits to see what’s covered; look up copayment, coinsurance, and deductible amounts; check the status of a claim; view 24 months of claims history; and print your Explanation of Benefits (EOB).
24/7 nurse line: Reach a registered nurse 24/7 for answers to health questions related to treatment options, prescriptions, medical procedures, whether or not you should go to the emergency room, and more.
Manage your pharmacy benefits: View your pharmacy claims and prescription history, check drug costs and copayment amounts, refill mail-order prescriptions, and check order status.
Take charge of your health: Take a personal health assessment and learn about your health. Receive easy-to-follow recommendations and clear next steps that can have a big impact on your health risks. Check out the health and wellness multi-media library, where you can watch videos, complete interactive tools, and download motivating MP3 audio files. Create your private personal health record to store all of your vital, need-to-know health information. Lose weight, quit smoking, or just start eating better with one of the available six-week online motivational programs.