Legal Notices

This online benefits guide is for informational purposes only. The content in this guide provides only a brief description of the benefits and insurance plans and is not the Summary Plan Descriptions for the plans. For complete details of any benefit, refer to your member handbook or the plan’s benefit booklet. If there are any conflicts between this guide and the insurance contracts, the insurance contracts and plan agreements contain legal, binding provisions and will prevail.

Summary of Benefits and Coverage (SBC)

As required under the Affordable Care Act, Sonos must provide you with a Summary of Benefits and Coverage (SBC) for the medical plan in which you (and your family members) are currently enrolled. The SBC summarizes important information about your coverage in a standard format established under the Affordable Care Act. Review SBCs.

Women’s Health and Cancer Rights Act

If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient for:

All stages of reconstruction of the breast on which the mastectomy was performed;
Surgery and reconstruction of the other breast to produce a symmetrical appearance;
Prostheses; and
Treatment of physical complications of the mastectomy, including lymphedema.

These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan. If you would like more information on WHCRA benefits, contact your plan administrator at people-help@sonos.com.

Newborns’ and Mothers’ Health Protection Act

Group health plans and health insurance issuers generally may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery or less than 96 hours following a cesarean section. However, federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under federal law, require that a provider obtain authorization from the plan or the issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours). If you would like more information on maternity benefits, contact your plan administrator at people-help@sonos.com.

Special Enrollment Rights for Medical Plan Coverage

If you have declined enrollment in Sonos, Inc.’s medical plan for you or your dependents (including your spouse) because of other health insurance coverage, you or your dependents may be able to enroll in some coverages under this plan without waiting for the next open enrollment period, provided that you request enrollment within 31 days after your other coverage ends. In addition, if you have a new dependent as a result of marriage, birth, adoption or placement for adoption, you may be able to enroll yourself and your eligible dependents, provided that you request enrollment within 31 days after the marriage, birth, adoption or placement for adoption.

Sonos, Inc. will also allow a special enrollment opportunity if you or your eligible dependents either:

Lose Medicaid or Children’s Health Insurance Program (CHIP) coverage because you are no longer eligible, or
Become eligible for a state’s premium assistance program under Medicaid or CHIP.

For these enrollment opportunities, you will have 60 days – instead of 31 – from the date of the Medicaid/CHIP eligibility change to request enrollment in the Sonos, Inc. group health plan. Note that this new 60-day extension doesn’t apply to enrollment opportunities other than due to the Medicaid/CHIP eligibility change.

Note: If your dependent becomes eligible for a special enrollment right, you may add the dependent to your current coverage or change to another medical plan.

Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)

If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. Review this notice.

Important Notice From Sonos About Your Prescription Drug Coverage and Medicare

This notice explains that prescription drug coverage through Sonos is as good as, or better than, Medicare prescription drug coverage. Review this notice.

Health Insurance Marketplace Coverage Options and Your Health Coverage

Even if you’re offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace and health coverage offered through your employment. Review this notice.

Health Insurance Portability and Accountability Act (HIPAA) Privacy

HIPAA describes your rights to health privacy. Review this notice.

Provider-Choice Rights

The Blue Shield of California HMO and Harvard Pilgrim HMO plans generally require the designation of a primary care provider. You have the right to designate any primary care provider who participates in the network and who is available to accept you or your family members. Until you make this designation, the applicable plan designates one for you. For information on how to select a primary care provider, and for a list of the participating primary care providers, visit the carrier’s website. For children, you may designate a pediatrician as the primary care provider.

You do not need prior authorization from the Blue Shield of California or Harvard Pilgrim HMO plans or from any other person (including a primary care provider) in order to obtain access to obstetrical or gynecological care from a health care professional in our network who specializes in obstetrics or gynecology. The health care professional, however, may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved treatment plan, or procedures for making referrals. For a list of participating health care professionals who specialize in obstetrics or gynecology, visit the carrier website.

No Surprises Act

You have rights and protections against surprise medical bills. Review this notice.

Hospital Indemnity Insurance Notice

For the Sonos Hospital Indemnity Insurance plan, it’s important to understand that it’s a fixed indemnity policy, NOT health insurance. Review this notice.

FSA Notice For California Residents

You may have money left in your spending account: Don’t forget to submit your eligible claims.

If you paid for an eligible expense out of pocket during the plan year, don’t forget to submit claims for reimbursement before your claim filing deadline.

How to submit claims for reimbursement

Log into wex.com, your WEX member website to confirm your claim filing deadline. You can also log into the WEX Mobile^® app.
If you have eligible claims to submit, select Reimburse Myself to get started.
If needed, you can complete a paper claim form. Then, fax or mail it to us. Claim forms are found on your WEX member website.

Last date to incur an expense using 2024 Healthcare or Limited Purpose FSA Funds: March 15th, 2025

Last date to submit a claim 2024 FSA claim: March 31st, 2025

Questions?
Please contact 866.451.3399 or customerservice@wexhealth.com

WEX Health Inc.
Participant Services
P.O Box 2926
Fargo, ND 58108