Benefits - Health

Employee Benefits

Promoting Balance
Sun recognizes that our employees around the world are constantly balancing work and personal priorities. We have several programs that aim to assist our employees in achieving this balance.

Our Open Work program enables Sun employees to work effectively anywhere, any time. Employees have the option to work from home or at one of Sun's "flexible" office locations around the world. Link to Open Work.

Additional programs to promote and support employee life/work balance include:

• Credit Union
• Child Care
• Discounts on a variety of services, recreation and entertainment

 
Medical.

Sun provides health benefits to eligible employees and their eligible dependents, which includes spouse or domestic partner and children and/or the children of a domestic partner.

Choose from several health care options:

• Aetna Health Fund - a Consumer Driven Health Plan with a Health Reimbursement Account. This is a Point of Service plan which offers in-network and out-of-network coverage.
  
  
• UnitedHealthcare Choice Plus - This is a preferred provider organization to employees who live outside of California, which offers in-network and out-of-network coverage.
  
  
• Blue Cross PPO - This is a preferred provider organization available to employees in California, which offers in-network and out-of-network coverage.
  
  
• Out-of-Area Option - This option is offered in areas where the UnitedHealthcare Choice Plus or Blue Cross PPO is not available.
  
  
• HMO options - Kaiser Permanente in CA and CO, and Tufts Health Plan in MA.
  
  

Aetna Health Fund: The plan option is comprised of three components:

• Health Reimbursement Account (HRA) - The HRA is an account for each enrolled employee to use toward eligible medical expenses that are covered by the plan, including the calendar year deductible. Sun funds this account with a set dollar amount each year. When you or an eligible dependent incur a covered medical or prescription drug expense and you haven't met the calendar year deductible yet, your HRA pays the full amount of the covered expense up to the amount available in your account.
  
  
• Deductible - The calendar year deductible is the amount you must pay before the medical plan coverage pays any benefits. When all of your HRA funds have been used to pay for covered expenses, you are then responsible for the balance of your deductible that was not covered by the HRA. Preventive care services as well as prescription drugs that Aetna considers "Chronic" and "Preventive," do not reduce the HRA or apply to the deductible. These expenses are automatically covered under the medical plan.
  
  
• Medical Plan - Once you use up the money in your HRA and you have met the deductible, eligible expenses are covered under the medical plan. You are responsible for any applicable coinsurance and out-of-pocket expenses not covered by the plan. Because the plan promotes wellness, preventive care services have no calendar year maximum and are not subject to the deductible.
  
  

Health Options UnitedHealthcare Choice Plus Blue Cross PPO Aetna Health Fund   In Network Out of Network   In Network Out of Network Calendar Year deductible* $100 individual $200 family $300 individual $600 family Employee Only $1,250 $2,000 Employee + Spouse/Domestic Partner $2,000 $4,000 Employee + Child(ren) $2,000 $4,000 Employee + Spouse/Domestic Partner + Child(ren) $2,250 $4,250 Sun's HRA contribution reduces your deductible Calendar Year out of pocket Maximum $2000 per individual plus deductible $7500 per individual plus deductible Employee Only $1,500 + deductible $6,000 + deductible Employee + Spouse/Domestic Partner $3,000 + deductible $12,000 + deductible Employee + Child(ren) $3,000 + deductible $12,000 + deductible Employee + Spouse/Domestic Partner + Child(ren) $5,000 + deductible $18,000 + deductible Outpatient Doctor Visit 100% after $15 copayment ($20 copayment for specialist) 70% of reasonable charges   90% after deductible 70% after deductible Health Reimbursement Account N/A N/A Employee Only $750 Employee + Spouse/Domestic Partner $1,000 Employee + Child(ren) $1,000 Employee + Spouse/Domestic Partner + Child(ren) $1,250 Preventative care benefits will not reduce your HRA Unused HRA balances will carry over into the next calendar year if you remain in this plan.

*Office Visits (including preventive care) and x-ray/laboratory services related to preventive care are not subject to the deductible.

Dental. You can choose the MetLife Dental High or Low Plan, or you can waive coverage.

Choice of dentist Any dentist Annual deductible $50 individual, $150 family Preventive services 100% of reasonable and customary charges (no deductible required)* Basic services 80% of reasonable and customary after deductible* Major services 50% of reasonable and customary after deductible (High Option includes implant coverage)* Orthodontia (only covered under High Option) 50% of reasonable and customary charges (no deductible required)* ($2,000 lifetime maximum for orthodontia) Annual maximum (excludes orthodontia) High Option: $1500 Low Option: $1000 *If you choose to visit a provider participating in MetLife's Preferred Dentist Program (PDP) then reimbursement will be based on the MetLife contracted rate negotiated with PDP dentists rather than reasonable and customary.