Supplemental Medical

Supplemental medical plans provide cash payments in the event of a significant unexpected medical expense. You pay the full cost of coverage through post-tax payroll deductions. Be sure to consider your anticipated medical needs for the coming year — for example, a major surgery — when deciding if supplemental coverage is right for you.

Sonos offers three different types of supplemental medical plans.

Accident Insurance helps protect you from unexpected financial stress if you or a covered family member has an accident. This plan pays benefits for a long list of covered minor and series injuries. When you receive a benefit, it's extra cash to use as you choose. You can use the money to pay out-of-pocket expenses not covered by your medical plan (such as your deductible or coinsurance) or for anything else (such as rent, utilities, and other living expenses). When you receive a payment, it’s extra cash to use as you choose, whether that’s paying medical bills or using it to cover your rent/utilities.

This plan provides financial protection by paying you a benefit for things like:

• Injuries including fractures, dislocations, concussions, lacerations, eye injuries, torn knee cartilage, ruptured discs, and severe burns.
• Medical services and treatments including ambulance, emergency care, therapy services, medical testing (for example, X-rays, MRIs, CT scans), and medical appliances.
• Hospitalization including hospital admission and confinement after an accident.

You can choose from a Low Option and a High Option. Some examples of benefits payments are as follows:

	Low Option	High Option
Emergency Room, Urgent Care, or Medical Imaging	$150	$250
Accident Follow-Up	$75, up to 2 times per accident, up to 6 per year	$125, up to 3 times per accident, up to 9 per year
Physical Therapy	$15, up to 10 treatments per accident	$25, up to 10 treatments per accident
Hospital Admission (initial day)	Non-ICU: $1,000 ICU: $2,000	Non-ICU: $2,000 ICU: $4,000
Daily Hospital Confinement (up to 365 days)	Non-ICU: $100 ICU: $200	Non-ICU: $200 ICU: $400
Organized Sport Benefit	Additional 25% of eligible benefits
Health Screening Benefit	$50	$50

For more information about Accident Insurance, see your Enrollment Toolkit.

Cost of Coverage (Bi-Weekly)

Coverage Tier	Low Option	High Option
Employee Only	$2.26	$3.36
Employee + Spouse/DP	$4.29	$6.47
Employee + Children	$4.60	$6.79
Family	$6.51	$10.02

When a serious illness strikes, Critical Illness Insurance — available through Aetna — can provide financial support to help you through a difficult time. It protects against the financial impact of certain illnesses, such as a heart attack, cancer, stroke, or organ transplants.

If you are diagnosed with a covered illness, you receive a lump-sum benefit to cover out-of-pocket expenses for your treatment, to pay your coinsurance, or to take care of your everyday living expenses such as housekeeping services, special transportation services, and child care. However, it's completely up to you how you use the money.

Coverage options are:

• Employee coverage: Low Option provides a benefit up to $15,000 or the High Option provides up to $30,000.
• Spouse and child(ren) coverage: Family members are covered at 50% of employee's coverage amount.

Some examples of benefits payments are:

Coverage	Employee Benefit (Percentage of $15,000 or $30,000 Election)
Lupus Multiple sclerosis Childhood conditions (cerebral palsy, cleft lip or palate, congenital heart defect, cystic fibrosis, Down syndrome, sickle cell anemia, spina bifida) Alzheimer’s disease Benign brain tumor, including spinal cord tumor Coma (non-induced) Parkinson’s disease Persistent vegetative state Stroke End-stage renal or kidney failure Loss of hearing, sight (blindness), or speech Major organ failure Muscular dystrophy Paralysis (quadriplegia, triplegia, paraplegia, hemiplegia, diplegia) Third degree burns Heart attack (myocardial infarction) Cancer (invasive)	100%
Primary sclerosing cholangitis Advanced amyotrophic lateral sclerosis (ALS) Transient ischemic attack (TIA) Acute respiratory distress syndrome Paralysis (monoplegia) Coronary artery condition requiring bypass surgery Sudden cardiac arrest Carcinoma in situ (non-invasive)	25%
Health Screening Benefit	$50 per year

For more information about Critical Illness Insurance, see your Enrollment Toolkit.

Cost of Coverage

The tables below show two options for the cost of Critical Illness Insurance coverage, for tobacco and non-tobacco users.

Bi-Weekly Cost : Non-Tobacco User

Age	Employee/Employee + Children		Employee + Spouse/DP/Family
	Low Option	High Option	Low Option	High Option
<25	$1.33	$2.26	$2.53	$4.02
25 – 29	$1.66	$2.91	$3.01	$5.16
30 – 34	$2.21	$4.00	$3.84	$6.79
35 – 39	$2.95	$5.47	$4.96	$9.00
40 – 44	$4.08	$7.71	$6.89	$12.35
45 – 49	$5.36	$10.26	$8.57	$16.18
50 – 54	$7.68	$14.85	$12.06	$23.09
55 – 59	$10.72	$20.88	$16.62	$32.14
60 – 64	$15.71	$30.80	$24.12	$47.04
65 – 69	$22.33	$43.97	$34.05	$66.79
70+	$36.00	$71.47	$54.50	$107.87

Bi-Weekly Cost: Tobacco User

Age	Employee/Employee + Children		Employee + Spouse/DP/Family
	Low Option	High Option	Low Option	High Option
<25	$1.42	$2.46	$2.67	$4.48
25 – 29	$1.86	$3.31	$3.32	$5.76
30 – 34	$2.64	$4.87	$4.50	$8.10
35 – 39	$3.84	$7.24	$6.29	$11.65
40 – 44	$5.84	$11.23	$9.29	$17.64
45 – 49	$8.40	$16.33	$13.14	$25.31
50 – 54	$12.98	$25.46	$20.04	$39.05
55 – 59	$19.51	$38.46	$29.84	$58.59
60 – 64	$30.20	$59.79	$45.91	$90.63
65 – 69	$44.33	$87.96	$67.13	$132.95
70+	$60.49	$120.44	$91.36	$181.60

A trip to the hospital can be stressful, and so can the bills. Even with a major medical plan, you may still be responsible for copays, deductibles, and other out-of-pocket costs. Offered through Aetna, the Hospital Indemnity Plan can help offset your share of the cost associated with a covered sickness or accident. When you receive a benefit from this plan, you can use it to help cover your out-of-pocket costs for things like a hospital stay, ambulance service, surgery, and certain inpatient or outpatient treatments. However, it's completely up to you how you use the money.

You can choose from a Low Option and a High Option. Here are some examples of what an employee would receive as a benefit payment:

	Low Option	High Option
Hospital Admission (pays on the initial day of a hospital stay)	$1,500 per year	$2,000 per year
Hospital Stay (Daily) (pays a daily benefit beginning on day two for a non-ICU room)	$150 Up to 30 days per year	$200 Up to 30 days per year
Newborn Routine Care (inpatient birth)	$200	$200
Hospital Stay in ICU (pays a daily benefit beginning on day two for an ICU room)	$300 Up to 30 days per year	$400 Up to 30 days per year
Health Screening Benefit	$50 per year	$50 per year

For more information about Hospital Indemnity Insurance, see your Enrollment Toolkit.

Cost of Coverage (Bi-Weekly)

Coverage Tier	Low Option	High Option
Employee Only	$7.32	$9.54
Employee + Spouse/DP	$16.22	$21.20
Employee + Children	$12.52	$16.32
Family	$20.75	$27.05