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 | |
Key Features
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.
Free 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.
Compare plan costs
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.
Use Your PPO Plan Wisely
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.
Important!
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, call Aetna HMO Member Services at 800.445.5299 or Aetna PPO/CDHP Member Services at 877.204.9186.
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 |
|---|---|
|
|
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).
Use Your CDHP Wisely
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.
2023
- Up to $3,850 for employee-only coverage
- Up to $7,750 for family coverage
If you are age 55 or older, you can contribute an additional $1,000 each year.
Increase Your Tax Savings With a Limited Purpose FSA
Use your HSA together with a Limited Purpose FSA for additional tax savings.
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.
Use your HMO Wisely
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.
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.
The following is a brief summary of plan benefits. Be sure to review the Employee Premiums for each plan, and use the Medical Plan Cost Estimator to compare what you'll pay under each medical plan option for different health care usage scenarios.
For additional information regarding benefits, limitations, and exclusions, visit Backstage for the Summary of Benefits and Coverage (SBC) documents for the Sonos medical plans, or contact the carrier.
U.S. PPO and CDHP Medical Plans
| Administered by Aetna | Aetna PPO Classic | Aetna CDHP (HSA Eligible) |
||
|---|---|---|---|---|
| Medical Plan Premiums | Employee Only: $50.68 Employee + Spouse/DP: $121.63 Employee + Child(ren): $104.51 Family: $173.45 | Employee Only: $15.12 Employee + Spouse/DP: $62.42 Employee + Child(ren): $47.87 Family: $118.60 | ||
| 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 | $350 | $350 | $1,500 | $3,000 |
| Per Family | $1,050 | $1,050 | $3,000 | $6,000 |
| Per Individual in Family Coverage | N/A | N/A | $3,000 | $3,000 |
| Annual Out-of-Pocket Maximum | ||||
| Per Member | $2,500 | $6,500 | $5,000 | $10,000 |
| Per Family | $5,000 | $13,000 | $10,000 | $20,000 |
| Per Individual in Family Coverage | N/A | N/A | $5,000 | $10,000 |
| 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. |
||||
| Administered by Aetna | 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
Administered by Aetna and Tufts Health Plan
| |
California Aetna HMO: Member Pays |
Massachusetts Tufts Health Plan HMO: Member Pays |
|---|---|---|
| Medical Plan Premiums | Employee Only: $48.59 Employee + Spouse/DP: $118.75 Employee + Child(ren): $99.56 Family: $167.63 | Employee Only: $48.59 Employee + Spouse/DP: $118.75 Employee + Child(ren): $99.56 Family: $167.63 |
| Annual Deductible | ||
| Per Member | None | None |
| Per Family | None | None |
| Annual Out-of-Pocket Maximum
Per Member |
||
| Per Member | $2,000 | $6,350 |
| Per Family | $4,000 | $12,700 |
| Lifetime Maximum | Unlimited | Unlimited |
| Primary Care | ||
| Office Services | $30 copay | $30 copay |
| 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 | $35 copay |
| Brand Non-formulary | $50 copay | $50 copay |
| Prescription Drugs – Retail (90-day supply) | ||
| Female Oral Contraceptives | No copay | No copay |
| Generic | $10 copay | $30 copay |
| Brand Formulary | $60 copay | $70 copay |
| Brand Non-formulary | $100 copay | $150 copay |
| Drugs – Supply Limitation Varies by Drug | 30% ($100 maximum) | Copay based on the applicable drug category listed above |
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.
Don’t have a personal doctor? Here’s why you should.
- Better health. Getting the right health screenings each year can reduce your risk for many serious conditions. Preventive care is free, so there’s no excuse to skip it.
- A healthier wallet. Having a doctor you can call helps you avoid costly trips to the emergency room and decide when you really need to see a specialist.
- Peace of mind. Advice from someone you trust ... it means a lot when you’re healthy, but it’s even more important when you’re sick. Your personal doctor gets to know you and your health history and can help coordinate any care you need.
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:
|
$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
- Virtual visit with in-network specialist: $40 copay
To get started, log onto Teleadoc or call 855.835.2362.
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.
Save Money
The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save:
- Ask your doctor about generic medications. Generic medications are generally just as effective as brand-name medications, yet the cost of generics is substantially lower, both for you and the plan. They typically cost between 30% and 75% less than brand-name drugs.
- Use the mail order feature. If you regularly take a medication, you can save money by using the mail order pharmacy. You can get up to a three-month supply at a lower cost than what you would pay at a retail pharmacy. To sign up for mail order, visit your medical plan provider’s website.
Important! Medicare Creditable Coverage Notice
If you have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage. See Important Notice from Sonos About Your Prescription Drug Coverage and Medicare.
Medical Plan Premiums
The chart below shows the paycheck deduction you will pay on bi-weekly basis for your 2023 medical coverage.
| Enrollment Tier | PPO Aetna | CDHP Aetna | CA HMO Aetna | MA HMO Tufts Health Plan |
|---|---|---|---|---|
| Employee Only | $50.68 | $15.12 | $48.59 | $48.59 |
| Employee + Spouse/DP* | $121.63 | $62.42 | $118.75 | $118.75 |
| Employee + Child(ren) | $104.51 | $47.87 | $99.56 | $99.56 |
| Family | $173.45 | $118.60 | $167.63 | $167.63 |
*Domestic partner premiums are subject to pre- and post-tax costs and includes imputed income.
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.
Contact TouchCare
- Visit the TouchCare website.
- Call 866.486.8242
- Email assist@touchcare.com.
- Download the free mobile app at the App Store (for iPhone or iPad) or at Google Play (for Android).
More information is also available at Backstage.
Medical Plan Cost Estimator
One size does not fit all when it comes to choosing a medical plan. That’s why it’s important to consider your total costs under each option. The Medical Plan Cost Estimator tool helps you make a more informed decision when choosing between medical plans.
Using the tool, you can compare paycheck contributions and out-of-pocket costs under each medical plan option to estimate your annual health care expenses. You can customize the results with unique scenarios you create. Plus, the Medical Plan Cost Estimator can also help you determine your tax-saving potential by contributing to an HSA or FSA.
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:
- Behavioral Health Tools
- Maternity Wellness Program
- CVS Mail Order Pharmacy
- CVS MinuteClinic Wellness Services
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.