Overview

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.

Keep in mind

On their own, these plans don’t provide the minimum level of medical coverage needed to meet health care reform requirements. Rather, they’re intended to supplement the coverage provided by your medical plan.

 

Accident Insurance

Accident Insurance

Accident insurance is designed to help protect you from unexpected financial stress if you or a covered family member has an accident. This coverage supplements your primary medical plan by providing cash benefits. You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).

You can enroll in the Aetna Accident Insurance benefit, with a Low Option and High Option to choose from. 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 have complete freedom how you spend your benefit. 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.

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

Some examples of benefits payments are as follows:

  Low Option  High Option
Emergency room, urgent care, or major diagnostic exam   $100 $200
 Accident follow-up$50, up to 2 times per accident, up to 6 per year  $100, up to 3 times per accident, up to 9 per year
 Physical therapy $15, up to 10 treatments $25, up to 10 treatments
 Hospital admission (per accident) $1,000 $2,000
 Daily hospital confinement (up to 365 days) $100  $200
 Organized sport benefit   Additional 25% of eligible benefits

Monthly Rates

Coverage Tier Low Option High Option
Employee Only $5.22 $8.08
Employee + Spouse/DP $9.45 $14.56
Employee + Children $10.12 $15.80
Family $14.28 $22.03
 

Critical Illness Insurance

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.

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.

Cost of Coverage

The tables below show two options for the cost of critical illness insurance coverage, for tobacco and non-tobacco users. For more information about Critical Illness Insurance, see your Enrollment Toolkit. To enroll, go to Workday.

Employee Coverage

  • Option 1: up to $15,000
  • Option 2: up to $30,000

Family Coverage

  • Covered at 50% of the employee’s coverage amount

Monthly Non-Tobacco User Contributions

Age Employee/Employee + Children Employee + Spouse/DP/Family
Low High Low High
<20 $3.04 $4.92 $5.60 $8.76
20 – 24 $3.63 $6.09 $6.48 $10.51
25 – 29 $4.42 $7.67 $7.65 $12.88
30 – 34 $5.45 $9.74 $9.21 $15.97
35 – 39 $7.00 $12.86 $11.54 $20.64
40 – 44 $9.72 $18.29 $15.62 $28.80
45 – 49 $14.16 $27.15 $22.27 $42.11
50 – 54 $21.46 $41.76 $33.23 $64.02
55 – 59 $31.85 $62.55 $48.83 $95.20
60 – 64 $45.25 $89.34 $68.93 $135.41
64 – 69 $61.95 $122.72 $93.99 $185.54
70+ $78.01 $154.85 $118.08 $233.72

Monthly Tobacco User Contributions

Age Employee/Employee + Children Employee + Spouse/DP/Family
Low High Low High
<20 $4.27 $7.38 $7.65 $12.86
20 – 24 $5.24 $9.32 $9.10 $15.78
25 – 29 $6.57 $11.99 $11.11 $19.79
30 – 34 $8.35 $15.55 $13.79 $25.13
35 – 39 $11.04 $20.92 $17.83 $33.21
40 – 44 $15.70 $30.25 $24.83 $47.21
45 – 49 $23.26 $45.36 $36.17 $69.89
50 – 54 $35.59 $70.03 $54.68 $106.93
55 – 59 $53.15 $105.14 $81.02 $159.61
60 – 64 $75.77 $150.36 $114.97 $227.49
64 – 69 $103.95 $206.75 $157.28 $312.11
70+ $131.06 $260.95 $197.94 $393.46​
 

Hospital Indemnity Insurance

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.

Use this money to help cover hospital stays, ambulance service, surgery, and certain inpatient or outpatient treatments. The plan pays benefits in addition to your core medical plan benefits.

Cost and coverage details

​You have can enroll in the Aetna Hospital Indemnity Plan, with a Low Option and a High Option to choose from.

Through the Aetna Hospital Indemnity plan, an employee would receive the following payments for hospitalization due to accident or sickness.

Admission coverage $1,500
Coverage per day $100 per day (up to 10 days per confinement)

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

Low Option New High Option
Hospital Admission $1,500 per year $2,000 per year
Daily hospital limit

$150

Up to 30 days

$200

Up to 30 days

Newborn routine care (while in hospital) $200 $300
Hospital Admission

$300

Up to 30 days

$400

Up to 30 days

Organized sport benefit Additional 25% of eligible benefits

Monthly Rates

Coverage Tier Low Option High Option
Employee Only $17.42 $22.72
Employee + Spouse/DP $38.62 $50.47
Employee + Children $29.81 $38.85
Family $49.39 $64.37