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. Continue reading for complete cost and coverage details. Once you're ready to enroll, head to 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 Blue Shield of California (available in all locations)	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 Blue Shield of California (available in all locations)	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 Blue Shield of California (in California) and Harvard Pilgrim (in Massachusetts, New Hampshire, and Rhode Island)	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. Note that out-of-network care is ONLY available in emergency situations if you’re outside the coverage area.
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.

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. Tip: If you need extra protection from large or unexpected medical expenses, you may also choose to enroll in supplemental medical coverage.

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, the Blue Shield PPO, 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 portion of the 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 Blue Shield of California website. PCPs are available in all states.

Track your stats.

Log in to the Blue Shield of California 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.

When you enroll in a Blue Shield of California plan, you’ll receive an ID card in the mail. Once you register online with Blue Shield, you’ll 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 the Blue Shield of California website or call 855.599.2650.

CDHP

A consumer-driven health plan (CDHP), like the Blue Shield PPO Savings (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 network of providers in the Blue Shield of California network within California, and provides access to the BlueCard network for employees outside of California 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 network of providers in the Blue Shield of California network within California, and provides access to the BlueCard network for employees outside of California
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

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. If you’re located in California, search for network providers on the Blue Shield of California website. If you’re located outside of California, search the BlueCard network (enter code SON if prompted).

Track your stats.

Log in to the Blue Shield of California 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 $4,300 for employee-only coverage
Up to $8,550 for family coverage

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

HMO Plans

The HMOs, Blue Shield Access+ HMO and Harvard Pilgrim HMO, 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 Blue Shield of California or Harvard Pilgrim 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.

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, your doctor’s office, or through a telehealth provider.

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

	Blue Shield PPO		Blue Shield PPO Savings (CDHP)
Plan Availability	All states		All states
Medical Plan Premiums (bi-weekly paycheck deductions)	Employee Only: $59.91 Employee + Spouse/DP: $142.40 Employee + Child(ren): $120.66 Family: $198.83		Employee Only: $15.12 Employee + Spouse/DP: $71.65 Employee + Child(ren): $52.49 Family: $132.44
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	$1,650	$5,000
Per Family	$1,500	$2,250	$3,300	$10,000
Per Individual in Family Coverage	N/A	N/A	$3,300	$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	20% after $200 copay*	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%; up to 2 treatments per lifetime	Deductible, then 40%; up to 2 treatments per lifetime	Deductible, then 10%; up to 2 treatments per lifetime	Deductible, then 30%; up to 2 treatments per lifetime
Artificial Insemination, IVF, ZIFT, ICSI	Deductible, then 20%; up to 3 treatments per lifetime	Deductible, then 40%; up to 3 treatments per lifetime	Deductible, then 10%; up to 3 treatments per lifetime	Deductible, then 30%; up to 3 treatments per lifetime
*Deductible does not apply.

	Blue Shield PPO		Blue Shield PPO Savings (CDHP)
	In-Network: Member Pays	Out-of-Network: Member Pays	In-Network: Member Pays	Out-of-Network: Member Pays
Prescription Drugs – Retail (30-day supply)
Female Oral Contraceptives	No copay	Not covered	No copay (deductible waived)	Not covered
Generic	$10 copay	25% + $10/prescription	Deductible, then $10 copay	Deductible, then 25% + $10/prescription
Brand Formulary	$30 copay	25% + $30/prescription	Deductible, then $30 copay	Deductible, then 25% + $30/prescription
Brand Non-formulary	$50 copay	25% + $50/prescription	Deductible, then $50 copay	Deductible, then 25% + $50/prescription
Prescription Drugs – Mail Order (90-day supply)
Female Oral Contraceptives	No copay	Not covered	No copay (deductible waived)	30%
Generic	$20 copay	Not covered	Deductible, then $20 copay	Not covered
Brand Formulary	$60 copay	Not covered	Deductible, then $60 copay	Not covered
Brand Non-formulary	$100 copay	Not covered	Deductible, then $100 copay	Not covered
Specialty Drugs (supply limitation varies by drug)	30% ($250 maximum)	Not covered	Deductible, then 30% ($120 maximum)	Not covered

HMO Medical Plans

	Blue Shield Access+ HMO	Harvard Pilgrim HMO
Plan Availability	California only	Massachusetts, New Hampshire, and Rhode Island only
Medical Plan Premiums (bi-weekly paycheck deductions)	Employee Only: $57.82 Employee + Spouse/DP: $139.52 Employee + Child(ren): $115.71 Family: $193.02	Employee Only: $48.59 Employee + Spouse/DP: $127.98 Employee + Child(ren): $104.17 Family: $181.48
Annual Deductible
Per Member	None	None
Per Family	None	None
Annual Out-of-Pocket Maximum
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	$45 copay
Acupuncture	$15 copay	$45 copay
Physical Therapy/Speech Therapy	$30 copay	$45 copay
Inpatient Hospital/Facility Services
Admission (including maternity)	$250/admission	$1,000/admission
Skilled Nursing Facility	$250/admission	No copay
Outpatient Hospital/Ambulatory Care Facilities
Urgent Care	$30 copay	Doctor on Demand: No copay Urgent care center: $45 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)	No copay; up to 1 treatment per lifetime	Member responsibility varies based on service. Please reference the Harvard Pilgrim Summary Plan Description for more information.
Natural Artificial Insemination	No copay; up to 6 treatments per lifetime	Member responsibility varies based on service. Please reference the Harvard Pilgrim Summary Plan Description for more information.
Prescription Drugs – Retail (30-day supply)
Female Oral Contraceptives	No copay	No copay
Generic	$10 copay	$5 copay
Brand Formulary	$30 copay	$45 copay
Brand Non-formulary	$50 copay	$60 copay
Specialty Drugs	20% ($250 maximum)	Covered according to applicable retail copay above
Prescription Drugs – Mail Order (90-day supply)
Female Oral Contraceptives	No copay	No copay
Generic	$20 copay	$10 copay
Brand Formulary	$60 copay	$90 copay
Brand Non-formulary	$100 copay	$180 copay
Specialty and Select Brand (supply limitation varies by drug)	20% ($500 maximum)	Covered according to applicable mail order copay above

Find a Doctor or Pharmacy

Using in-network doctors and pharmacies saves you money. Here’s how to see who participates with your medical plan.

Blue Shield of California

Find a doctor: Log into your Blue Shield of California account.
Find a retail pharmacy: Blue Shield uses the Rx Ultra network. From the middle of the screen, click Explore our network. Scroll down and select Find an Rx Ultra pharmacy 2025.
Get mail order prescriptions: Blue Shield uses Amazon Pharmacy. You’ll need your Blue Shield member ID card to create your Amazon Pharmacy profile.

Harvard Pilgrim

Find a doctor: Log into your Harvard Pilgrim account.
Find a retail pharmacy: Harvard Pilgrim uses OptumRx. Click Find a network pharmacy. Then under "Plan options," choose 2024 Premium 4-Tier.
Get mail order prescriptions: Harvard Pilgrim facilitates its own mail order program.

Search Providers Before You Enroll

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

For Blue Shield of California, go to the Blue Shield microsite. To search for providers outside of California, when it asks for the three letters at the beginning of your member ID number, use SON (for the PPO and CDHP plans) or XEH (for the HMO plan).
For Harvard Pilgrim, use this provider search tool. Under "Health Plan," select HMO or HMO Open Access.

Telemedicine

Telemedicine for Blue Shield of California Medical Plans

If you’re enrolled in a Blue Shield of California medical plan, telemedicine is provided through Teladoc. Costs for virtual care are shown in the table below.

	Blue Shield PPO Savings (CDHP)*	Blue Shield PPO	Blue Shield Access+ HMO
Teladoc virtual medical visit	$60 copay	No cost	No cost
Teladoc virtual behavioral health visit	Therapist: $85 copay Psychiatrist: $195 copay for first visit $95 copay for ongoing visits	No cost	No cost

Blue Shield PPO Savings (CDHP)*

Blue Shield PPO

Blue Shield Access+ HMO

Teladoc virtual medical visit

$60 copay

No cost

Teladoc virtual behavioral health visit

Therapist: $85 copay

Psychiatrist:

$195 copay for first visit
$95 copay for ongoing visits

No cost

*If you are enrolled in the Blue Shield PPO Savings (CDHP), you pay the full costs shown here until you satisfy the deductible. After you meet the deductible, services are provided at no cost to you.

To get started, log into Teladoc or call 800.835.2362.

Telemedicine for Harvard Pilgrim

For Harvard Pilgrim, use Doctor on Demand for phone or video doctor consultations. Get care for concerns such as bronchitis, sinus issues, pink eye, UTIs, or skin rashes. Doctor On Demand providers can also support you with concerns such as anxiety, depression, grief, family issues, trauma or PTSD. Here's how the cost of a Doctor on Demand consultation compares to other virtual visits:

Doctor on Demand (phone, web, or mobile app): No cost
Virtual visit with in-network PCP: $35 copay
Virtual visit with in-network specialist: $45 copay

Log into Doctor on Demand.

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'll pay on a bi-weekly basis for your medical coverage.

Enrollment Tier	Blue Shield PPO	Blue Shield PPO Savings (CDHP)	Blue Shield Access+ HMO	Harvard Pilgrim HMO
Employee Only	$59.91	$15.12	$57.82	$48.59
Employee + Spouse/DP*	$142.40	$71.65	$139.52	$127.98
Employee + Child(ren)	$120.66	$52.49	$115.71	$104.17
Family	$198.83	$132.44	$193.02	$181.48

*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-saving 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.

Blue Shield of California Medical Plan Resources

If you’re enrolled in a Blue Shield of California medical plan, register on the Blue Shield of California website to get access to your personal health information and lots of resources to support your health:

Compares costs: Find out how costs differ from different offices and hospitals for office visits, procedures, and more.
Learn about virtual care from Teladoc: Teladoc provides virtual treatment for common non-emergency medical issues like colds, allergies, flu, and behavioral health. Doctors can diagnose your condition and even order prescriptions for you. Log into Teladoc or call 800.835.2362.
Find a discount program: There is a wide range of discount programs that can help you save money and take better care of yourself.
Discover Wellvolution lifestyle-based tools and support: Wellvolution customizes your path to better health, matching you with clinically-proven programs and apps that are right for you, both in mind and body. There are programs to help you lose weight, reduce chronic/acute pain, quit smoking, support your mental wellbeing, and more.

Harvard Pilgrim HMO Medical Plan Resources

If you're enrolled in the Harvard Pilgrim HMO, register on the Harvard Pilgrim website to get access to your personal health information and lots of resources to support your health:

Compares costs: Find out how costs differ from different offices and hospitals for office visits, procedures, and more.
Learn about virtual care from Doctor on Demand: Doctor on Demand provides virtual treatment for concerns such as bronchitis, sinus issues, pink eye, UTIs, or skin rashes. They can also support you for concerns such as anxiety, depression, grief, family issues, trauma, or PTSD. Log into Doctor on Demand.
Living Well program: Earn up to $120 in rewards for participating in a variety of activities. Topics include stress management, healthy eating, financial literacy, environmental wellness, self-care, volunteerism, physical activity, and health plan literacy.
Wellness reimbursement: Up to two family members on your Harvard Pilgrim coverage can get reimbursed for fees you pay toward wellness activities — up to $150 each ($300 maximum). This applies to membership fees to gyms or fitness facilities, virtual fitness class subscriptions, studios or facilities that offer membership or tuition, select nutrition programs, select mindfulness meditation programs, cardiovascular and strength training equipment, seasonal town/club/school athletic fees, and childbirth education classes. Learn more.
Wellness discounts and perks: To help you reach your wellness goals, a variety of offerings are available including:
- Dedicated nurse care managers if you’re facing decisions about care.
- Fitness and exercise discounts, like discounts with Daily Burn, Ompractice virtual yoga, and for fitness products purchased through ProSourceFit.
- Discounts for weight management support, such as the Savory Living online healthy eating lifestyle program, The Dinner Daily meal planning service, the Eat Right Now mindful eating app, and InsideTracker’s nutrition plan.
- Discounts to quit smoking, including Craving to Quit 21-day app-based program and QuitSmart’s Stop Smoking Kit and Stop Smoking Classes.

To get started, go to the Living Well Health Portal.