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WELCOME TO THE SONRAVA HEALTH BENEFITS PORTAL!
IT'S TIME TO ENROLL IN BENEFITS. November 7 - November 21
Get to know your benefits so that you can make the best decisions for you and your family.
Eligibility
How to Enroll
Contributions
Required Notices
FAQs
Medical
Dental
Vision
EAP
MADP Employees: Click here for Medical, Dental, and Vision Information
Life Insurance
Short-Term Disability
Long-Term Disability
401(k)
Flexible Spending Accounts
Health Savings Account
Hospital Indemnity
Critical Illness
Accident
Cancer Guardian
Identity Guard
IMPORTANT: Benefits information provided on this site is intended for associates of Western Dental, Brident Dental, and Vital Smiles. If you are a Mid-Atlantic Dental Partner (MADP) associate, click here to acccess your benefits information.
Benefit Partners
How TO ENROLL
Benefit basics
COntacts
COBRA
faq
contributions
Need more information? Use this handy list to contact our benefit vendors directly with your questions.
To self-enroll in benefits:
Go Online: Visit https://chubb.benselect.com/westerndental on your computer or mobile device before the end of your enrollment period. Help Us Identify You: At the “Enrollment Site” screen, enter your Social Security Number and your personal identification number (PIN). Your PIN is the last four digits of your social security number and your four-digit birth year. Choose Your Benefits: Make sure you pay close attention to the benefits available to you, as well as the coverage levels from which you can choose. Confirm the Accuracy of Your Selections: It is always a good idea to confirm your selections after you complete enrollment. Once the enrollment period is over, you can’t change your elections unless you experience a Qualified Life Event (QLE).
You can find contribution information included in each designated benefit section. The contribution amounts for some coverages is determined by the plan you pick and who you chose to cover, while others are determined based on your age or the age of your dependent(s). See each benefit section for details.
If you terminate employment with Sonrava Health and you qualify for COBRA coverage, you will receive a COBRA packet from Sonrava Health’s COBRA Administrator, WEX, within 7 to 14 days of your termination. If you would like to elect COBRA coverage, it is important that you review the information in the packet and follow the instruction provided to complete your COBRA enrollment in a timely manner. Medical, Dental, and Vision coverage will remain in effect until the end of the month of your termination date. All other benefits will end on your last day of employment. If you are enrolled in a benefit with the option to port (or take the benefit with you), you will receive instructions from MetLife and/or VOYA.
Employees All active full-time team members regularly scheduled to work 30 or more hours per week (16 or more days per month for doctors) are eligible for health and welfare benefits. Coverage will begin on the first of the month following 60 days of continuous, active, full-time employment. Eligible Dependents You may also enroll dependents. Eligible dependents include your: • Legal spouse. • Domestic partner (registered in the state of residence). • Children, children under legal guardianship, stepchildren, or adopted children. • Enrolled children who have reached age 26 and are physically or mentally incapable of self-support and rely on you for support and maintenance (medical certification required). If you’re adding a new dependent, the Benefits Department will contact you after enrollment to provide proof of dependent eligibility.
Employees All active full-time team members regularly scheduled to work 30 or more hours per week (16 or more days per month for doctors) are eligible for health and welfare benefits. Coverage will begin on the first of the month following 60 days of continuous, active, full-time employment. Eligible Dependents You may also enroll dependents. Eligible dependents include your: Legal spouse. Domestic partner (registered in the state of residence). Children, children under legal guardianship, stepchildren, or adopted children. Enrolled children who have reached age 26 and are physically or mentally incapable of self-support and rely on you for support and maintenance (medical certification required). If you’re adding a new dependent, the Benefits Department will contact you after enrollment to provide proof of dependent eligibility. Qualifying Life Events Other than during Annual Open Enrollment, you may only make changes to your benefit elections if you experience a qualified life event. You will be required to submit proof of the coverage change. The life event must be reported within 30 days of the effective date. Qualified life events include: Change in legal marital status, including marriage, divorce, or death of a spouse. Change in number of dependents, including birth, adoption, placement for adoption, or death of a dependent child. Change in employment status that affects benefit eligibility, including the start or termination of employment by you, your spouse, or your dependent child. Change in work schedule, including an increase or decrease in hours of employment by you, your spouse, or your dependent child, including a switch between part-time and full-time employment that affects eligibility for benefits. Change in a child’s dependent status, either newly satisfying the requirements for dependent child status or ceasing to satisfy them. Change in place of residence or worksite that affects the accessibility of network providers. Change in your health coverage or your spouse’s coverage attributable to your spouse’s employment. Change in an individual’s eligibility for Medicare or Medicaid. A court order resulting from a divorce, legal separation, annulment, or change in legal custody (including a Qualified Medical Child Support Order) requiring coverage for your child. An event allowed under the Children’s Health Insurance Program (CHIP) Reauthorization Act. Under provisions of the Act, team members have 60 days after the following events to request enrollment: Team member or dependent loses eligibility for Medicaid or CHIP. Team member or dependent becomes eligible to participate in a premium assistance program under Medicaid or CHIP. Any change you make must be consistent with the change in status, and you must contact Employee Benefits within 30 days. Proof will be required prior to processing life events (i.e., marriage certificate, birth certificate, loss of kin, etc.)
Qualifying Life Events
Other than during Annual Open Enrollment, you may only make changes to your benefit elections if you experience a qualified life event. You will be required to submit proof of the coverage change. The life event must be reported within 30 days of the effective date. Qualified life events include: • Change in legal marital status, including marriage, divorce, or death of a spouse. • Change in number of dependents, including birth, adoption, placement for adoption, or death of a dependent child. • Change in employment status that affects benefit eligibility, including the start or termination of employment by you, your spouse, or your dependent child. • Change in work schedule, including an increase or decrease in hours of employment by you, your spouse, or your dependent child, including a switch between part-time and full-time employment that affects eligibility for benefits. • Change in a child’s dependent status, either newly satisfying the requirements for dependent child status or ceasing to satisfy them. • Change in place of residence or worksite that affects the accessibility of network providers. • Change in your health coverage or your spouse’s coverage attributable to your spouse’s employment. • Change in an individual’s eligibility for Medicare or Medicaid. • A court order resulting from a divorce, legal separation, annulment, or change in legal custody (including a Qualified Medical Child Support Order) requiring coverage for your child. • An event allowed under the Children’s Health Insurance Program (CHIP) Reauthorization Act. Under provisions of the Act, team members have 60 days after the following events to request enrollment: - Team member or dependent loses eligibility for Medicaid or CHIP. - Team member or dependent becomes eligible to participate in a premium assistance program under Medicaid or CHIP. Any change you make must be consistent with the change in status, and you must contact Employee Benefits within 30 days. Proof will be required prior to processing life events (i.e., marriage certificate, birth certificate, loss of kin, etc.)
HOW TO ENROLL
If you are having trouble logging on the system, contact your benefits department.
These benefit options are available to all Sonrava Health team members unless otherwise noted.
The following are amounts taken from your paycheck for each benefit.
Your benefit counselor will provide you with the applicable cost information when you enroll in the life insurance with long term care benefit.
*Children age 14 days to 6 months are only eligible for $1,000 of coverage.
MEDICAL
DENTAL
VISION
VOLUNTARY LIFE
LIFE INSURANCE WITH LONG-TERM CARE
Your contribution to this benefit is taken from your paycheck after taxes.
SHORT-TERM DISABILITY
LONG-TERM DISABILITY
The COST OF YOUR BENEFITS
To access the rates for Critical Illness Insurance, click here.
ACCIDENT
IDENTITY GUARD
CANCER GUARDIAN
HMO (Kaiser CA)
MEDICAL PLAN SuMMARIES
How the plans work
Medical plan OVERVIEW
medical
Preferred Provider Organization (PPO) Plans The PPO Plans let you visit the doctor of your choice. You may see an out-of-network provider; however, your out-of-pocket expenses will be less when you see an in-network provider. Once you reach the deductible, you will pay coinsurance until the out-of-pocket maximum is met; then the plan will pay 100 percent. Summary of Benefits
Medical Options for Team Members Living in and Outside of California
Save with Pre-Tax Dollars! Dependent upon the medical plan you choose, you have access to the Health Care FSA or the Health Savings Account to help offset any deductible and to pay for eligible medical, prescription drug, dental, or vision expenses with pre-tax contributions.
How the Medical Plans Work
Medical Plan Options
HDHP And PPO (Cigna)
If you do not make an election during the Open Enrollment period, you will not have medical coverage for 2023 unless you have a qualified life event. Sonrava Health offers eligible team members access to several medical plan options.
Preventive Services (such as checkups, patient counseling, and screenings to prevent illness, disease, and other health related problems) are covered at 100% when provided through network providers. Covered preventive services for adults, women, and children are included in all medical plan options. Some non-preventive services (called Diagnostic Services) may require you to pay a pre-set dollar amount — called a copay — at the time of service. The copay is required regardless of whether you have met your deductible. Other non-preventive services may require you to pay the full cost of the service out of pocket until you meet the plan deductible requirement. The amount of your plan deductible is based on which medical plan you select, the level of coverage and the provider network. Once the deductible is met and you pay any required copays, you and the plan begin sharing eligible expenses — called coinsurance. As a safety net, there is an out-of-pocket maximum that limits how much you pay out of your own pocket per year and protects you from the impact of large claims. Once this out-of-pocket maximum is met, the plan pays 100% of eligible expenses for the remainder of the plan year, subject to reasonable and customary charges. Deductibles, copayments, coinsurance, and other payments for qualified medical benefits covered by the plan will count toward the out-of-pocket maximum. An additional out-of-pocket maximum applies to prescription drug benefits.
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Exclusive Provider Organization (EPO) Plans The EPO Plans operate similar to the PPO Plans, but you’ll have less flexibility if you want to see an out-of-network provider. Summary of Benefits
Health Maintenance Organization (HMO) Plans The HMO Plans provide health coverage through a select group of doctors and providers. Under an HMO, you must receive care from an in-network provider – there is no out-of-network coverage. By limiting coverage to only in-network providers, you cost for coverage is generally lower than for other kinds of health insurance. As an HMO participant will must choose a primary care physician (PCP) from the network of local providers. Your PCP is your first point of contact for all health-related issues. In other words, you start the process by meeting with your PCP, who will coordinate your care – for example, referring you to a specialist. Summary of Benefits
Your Costs
How Much Can I Put in my HSA? If you enroll in the Kaiser Permanente HDHP HMO with HAS, you’re eligible to contribute to a health savings account to help offset the cost of your medical coverage. See the “Health Savings Account” section for details. Plan Programs Kaiser Permanente has a number of special programs for members that can help you get the most out of your benefits. These include:
The HMO Plans provide health coverage through a select group of doctors and providers. Under an HMO, you must receive care from an in-network provider – there is no out-of-network coverage. By limiting coverage to only in-network providers, you cost for coverage is generally lower than for other kinds of health insurance. As an HMO participant will must choose a primary care physician (PCP) from the network of local providers. Your PCP is your first point of contact for all health-related issues. In other words, you start the process by meeting with your PCP, who will coordinate your care – for example, referring you to a specialist. Summary of Benefits
California Team Member Medical Options
Preferred Provider Organization (PPO) Plans The PPO Plans let you visit the doctor of your choice. You may see an out-of-network provider; however, your out-of-pocket expenses will be less when you see an in-network provider. Once you reach the deductible, you will pay coinsurance until the out-of-pocket maximum is met; then the plan will pay 100 percent. You might want to enroll in the PPO Plan if you prefer to: • Pay more out of your paycheck toward insurance. • Pay less at the point of service. There are two PPO options. The Mid OAP/PPO provides a standard set of coverage that’s similar to your other medical plan options. The Buy-Up OAP/PPO provides you with greater coverage at a higher premium cost. Summary of Benefits
Mid-Atlantic Dental Partners Medical Options
High Deductible Health (HDHP) Plan The HDHP gives you the option to choose any provider when you need care; however, in exchange for a lower premium cost, you must satisfy a higher deductible that applies to almost all healthcare expenses, including those for prescription drugs. Once your deductible has been met, you will pay coinsurance and prescription copays until the out-of-pocket maximum is met. Your out-of-pocket expenses will be less when you see an in-network provider. You might want to enroll in the HDHP Plan if you prefer to: • Pay less out of your paycheck toward insurance. • Pay more out of pocket at the point of service. • Use a tax-advantaged health savings account (HSA) to help offset all or part of your deductible and out-of-pocket cost. Summary of Benefits
Plan Programs Cigna offers the following special program for members that can help you get the most out of your benefits.
Keep your health on track by offering fully-covered preventive care.
All medical plans provide comprehensive medical coverage intended to:
Tools & Resources
Protect you from the catastrophic financial effects of a serious illness or injury.
Be there for you when you’re ill; covering a wide range of services, including comprehensive prescription drug coverage.
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Preferred Provider Organization (PPO) Plans
Exclusive Provider Organization (EPO)
Health Maintenance Organization (HMO)
Summary of Benefits
Plan Programs
Your Cost
The Kaiser Permanente Health Maintenance Organization (HMO) Plans
The Cigna High Deductible Health and PPO Plans
Our medical plan options are available to all Sonrava Health team members.
Medical ID cards are sent to new members only. If you’re re-enrolling in the same coverage you had last year, you will not receive new ID cards.
HOW MUCH CAN I PUT IN MY HSA? If you enroll in the Kaiser Permanente HDHP HMO with HSA, you’re eligible to contribute to a health savings account to help offset the cost of your medical coverage. See Health Savings Account for details.
BENEFIT PARTNERS
Plan Programs There are a number of special programs you can participate in that can help you get the most out of your benefits. More information about these benefits is available in Tools & Resources. Additional plan programs include:
Regular dental care is important to your overall health. A routine dental exam can help identify many diseases — including heart disease, diabetes, anemia, kidney disease and more. It also can save you money by catching a minor dental issue before it becomes a major one. How the Plans Work
If you do not make an election during Annual Open Enrollment, you will not have dental coverage for 2023 unless you have a qualified life event.
You can choose any dental provider you wish to use; however, when you use an in-network dentist, you’ll generally pay less. If you choose an out-of-network provider, you may be billed the difference between what the provider pays, and what your out-of-network provider charges for the services.
Summary of Benefits * To view the full 2023 fee schedule, go to your UltiPro homepage.
Our dental plan options are available to Western Dental, Brident, Vital Smiles and MADP team members.
* If you use an out-of-network provider, you will be responsible for any charges above the maximum allowed charge negotiated for in-network providers. These are called MAC (Maximum Allowable Charges) plans.
Dental Options for Western Dental, Brident and Vital Smiles Team Members
Additional Dental Option for MADP Team Members
VIsion
If you do not make an election during Annual Open Enrollment, you will not have vision coverage for 2023 unless you have a qualified life event. The Vision Service Plan (VSP) includes coverage for eye exams, lenses and frames, contact lenses, and discounts for laser surgery. The plan is built around VSP providers, who offer higher benefits to you at a lower cost. You still have the option of seeing an out-of-network provider, though you’ll reimbursed for services at a lower amount, as shown in the table below. VSP Summary of Benefits
Vision insurance does not provide a Member ID card for services; simply find a provider and make an appointment. Your member ID is your Social Security number. To find a provider, please login to www.vsp.com.
Our vision plan is available to all Sonrava Health team members.
XP Health is a modern and convenient vision benefit with no copays that uses technology to create a personalized and stellar experience without copays. It includes: 2 x $180 benefit credits annually: Use on prescription, non-prescription blue light glasses, and contacts. Access to 1500+ frames: affordable and brand name frames like Coach, Gucci, and Ray-Ban along with top quality lenses with polycarbonate, anti-reflective coating, and UV protection. Personalized recommendations: XP Health’s artificial intelligence frame recommendations and augmented reality give tailored suggestions in minutes. Convenient online prescription renewal in ~6 mins that members can do from the comfort of their home.
XP Health Summary of Benefits
Your Costs See the The Cost of Your Benefits section for details.
Employee ASsistance Plan
Life’s demands and pressures — especially these days — can affect our emotional well-being, job performance, home life and physical health. Some issues can be solved alone; others require help. Sonrava Health’s EAP provides confidential, professional care to help individuals identify and resolve personal and workplace issues. How the Program Works
No Cost/No Enrollment: Sonrava Health covers the full cost for you and your dependent family members. You are automatically enrolled. Various Forms of Support: Offers short-term counseling, referral and follow-up services and various topics. Counseling Sessions: Benefit includes 3 counseling sessions – over the phone – per family, per year. Confidential: Details of your participation and your discussions with EAP cannot generally be released to anyone without your consent. Additional Support: Visit www.metlifeeap.lifeworks.com (User Name: metlifeeap; Password: eap) for more information.
Our EAP program is available to all Sonrava Health team members.
What’s Covered? The program’s experienced counselors provided through LifeWorks — one of the nation’s premier providers of Employee Assistance Program services — can talk to you about anything going on in your life, including:
Family: Going through a divorce, caring for an elderly family member, returning to work after having a baby. Work: Job relocation, building relationships with co-workers and managers, navigating through reorganization. Money: Budgeting, financial guidance, retirement planning, buying or selling a home, tax issues. Legal Services: Issues relating to civil, personal and family law, financial matters, real estate and estate planning. Identity Theft Recovery: ID theft prevention tips and help from a financial counselor if you are victimized. Health: Coping with anxiety or depression, getting the proper amount of sleep, how to kick a bad habit like smoking. Everyday Life: Moving and adjusting to a new community, grieving over the loss of a loved one, military family matters, training a new pet.
Basic Life and AD&D insurance is an important part of your financial security — especially if others depend on you for support. Coverage is designed to provide assurance that your loved ones are protected from a financial hardship in the event of your death or dismemberment. How the Program Works You do not need to enroll for this coverage. Sonrava Health pays 100% of the cost of this benefit. The maximum benefit is $25,000. No evidence of insurability (EOI) is required.
Life and AD&D
Make Sure to Name Your Beneficiary! You’ll need to name one or more beneficiaries for your life and AD&D benefits. If you don’t, you’re taking a chance that your assets won’t be passed to your loved ones in the event of your death. You can add or update your beneficiary information at www.metlife.com (for basic or voluntary insurance) or www.chubb.com (for life insurance with long term care).
Short term disability
Voluntary Life
Basic Life and AD&D
Life with long term care
Long term disability
If you would like additional protection beyond the Basic Life and AD&D Insurance coverage, you can choose to purchase Voluntary Life and AD&D Insurance at favorable group rates. How the Program Works Your Contributions See the The Cost of Your Benefits section for details. * Children ages 14 days to 6 months are only eligible for $1,000 of coverage.
As an alternate to purchasing supplemental coverage, the life insurance with long term care coverage has a component that pays you benefits should you need long term care after becoming chronically ill and confined to a nursing or assisted living facility. If you don’t enroll in this coverage when it’s first available to you (or elect you an amount over the guaranteed issue amount), you may be required to complete an Evidence of Insurability (EOI) form.
You must schedule an appointment with a benefit counselor to enroll in the life insurance with long term care benefit. Visit www.westerndental.mybenefitsappointment.com to schedule your over-the-phone appointment. Your Contributions See the The Cost of Your Benefits section for details.
Sonrava Health provides the opportunity to elect Short Term Disability (STD) coverage for full-time team members working outside of California. NOTE: Team members working in California are covered by State Disability Insurance (SDI). For more information on SDI, contact the Employment Development Department (EDD) at edd.ca.gov. How the Program Works Your Contributions See the The Cost of Your Benefits section for details.
Long-term disability insurance offers you financial protection if you become totally disabled, due to illness or injury, for an extended period and can no longer work. The plan will also help you return to work, if applicable. How the Program Works Your Contributions See the The Cost of Your Benefits section for details.
Basic Life & Accidental Death and Dismemberment (AD&D) Insurance
Voluntary Life Insurance
Life Insurance with Long Term Care
Short Term Disability
Our Basic Life and AD&D plans are available to all Sonrava Health team members.
Our Voluntary Life and AD&D plans are available to all Sonrava Health team members.
Voluntary Life and AD&D Insurance is available for you, your spouse, and your dependent children. You must enroll yourself in voluntary coverage before enrolling your spouse or children. If you don’t enroll in this coverage when it’s first available to you (or elect you an amount over the guaranteed issue amount), you may be required to complete an Evidence of Insurability (EOI) form.
Our Life Insurance with Long Term Care plan is available to all Sonrava Health team members.
Our STD plan is available to all Sonrava Health team members.
STD replaces a portion of your income if you are unable to work due to a covered injury or illness that is non-work related. Pregnancy is covered under this benefit the same as any other disability or incapacitation. This coverage pays a weekly benefit to provide some income during a time of need.
Our LTD plan is available to all Sonrava Health team members.
Long-Term Disability begins after your short-term disability benefits end or at the end of the elimination period below (if you do not elect short-term disability). If you become totally disabled, you’ll receive a percentage of your pay, up to a certain maximum. This benefit amount may be offset by other benefits you are receiving, such as Social Security or workers’ compensation.
Sonrava Health offers the 401(k) Plan to help you plan for and enjoy a secure retirement. All Sonrava Health team members are eligible to contribute to the 401(k) Plan. How the Plan Works
401K Plan
1. You Contribute
If you are a new hire, you are automatically enrolled to contribute 3% of your eligible compensation to the 401(k) Plan beginning on the first of the month following 30 days of your hire date. You may opt out at any time by contacting the 401(k) administrator, Voya. You may contribute from a minimum of 1% of your eligible compensation up to 50% or the IRS limits (for 2023 the IRS limits are $22,500. If you’re age 50 and older, you can add an extra $7,500 per year in “catch-up” contributions, bringing your total 401(k) contributions for 2023 to $30,000. You’ll save and invest a piece of your paycheck before taxes are taken out – lowering the amount of your paycheck that is subject to federal income taxes.
2. Your Funds Grow
You can choose from a variety of investment options so you can create an investment plan using different funds based on your personal financial goals. Your account balance grows as tax-deferred until you withdraw the funds. Note: The IRS has regulations on when you can withdraw your money, and there may be penalties if you withdraw before retirement age. Be sure to talk with your tax advisor before withdrawing these funds.
3. You Build Ownership
You are always 100% vested (have ownership) in your own contributions.
For a full plan summary, visit www.westerndental401k.voya.com or contact Voya at 855-817-1667.
Our 401(k) plan is available to all Sonrava Health team members.
Healthcare FSA
Dependent Care FSA
FSA Overview
If you do not make an election during Annual Open Enrollment, you will not be able to participate in a flexible spending account for 2023 unless you have a qualified life event. A great way to plan ahead and save money over the course of a year is to participate in an FSA. An FSA lets you redirect a portion of your salary on a pre-tax basis into a reimbursement account, saving you money on taxes. Three important things to remember about FSA participation: • You must enroll each year to participate. FSA participation does not carry over – you must elect the amount you want to contribute. • You forfeit any unused FSA amounts. Unused funds at the end of the plan’s grace period, as described below, are automatically forfeited. • You cannot participate in the Healthcare FSA if you are in an HSA medical plan. If you enrolled in Blue Shield EPO with HSA or the Kaiser Permanente HDHP HMO with HSA, you’re not allowed to contribute to the Healthcare FSA. You can, however, contribute to the Dependent Care FSA. Sonrava Health offers two types of FSAs that can help you save on a pre-tax basis for out-of-pocket expenses.
The Health Care Flexible Spending Account (FSA) is a great way to save on income taxes while you budget for health care expenses. Every dollar you set aside in your account reduces your taxes and allows you to be reimbursed for qualified expenses that you are already paying for—making Health Care FSAs an easy, convenient way to help stretch your health care dollars. The Health Care FSA is available to team members who are not participating in a Health Savings Account (HSA). How the Account Works
The dependent care FSA allows you to set aside money pre-tax to pay eligible out-of-pocket day care services, such as: How the Account Works Choose You choose the amount you want to contribute on a pre-tax basis through payroll contributions, up to a maximum amount set by the IRS each year. (2023 IRS Limits are $5,000 for single person; $2,500 for married, filing jointly) Save The money you contribute is not subject to payroll taxes, so you end up paying less in taxes and taking home more of your paycheck. You cannot spend funds until they are deposited into your account. Deadlines You must incur expenses by Dec. 31, 2023 and submit claims by Mar. 31, 2024. Access Funds After you pay out-of-pocket for expenses, you submit claim forms online or through the mobile app. Use Use your funds to pay for qualified out-of-pocket childcare expenses. Eligible expenses include (but are not limited to) child or adult (elder) day care, after-school care, work-related babysitting services, a nanny or au pair, as well as transportation to and from that care (if necessary). It is not available for non-work related care, child or elder activities, or household services. For full details on each FSA, including a current list of eligible expenses, claims filing deadlines and other information, visit the WEX website at www.wexinc.com/contact/health.
Preschool
Summer Day Camp
Before or After School Programs
Child or Adult Daycare
Health Care Flexible Spending Account
Our Healthcare FSA is available to all Sonrava Health team members.
Choose You choose the amount you want to contribute on a pre-tax basis through payroll contributions, up to a maximum amount set by the IRS each year. (2023 IRS Limits is $3,050) Save The money you contribute is not subject to payroll taxes, so you end up paying less in taxes and taking home more of your paycheck. Funds are available at the beginning of the plan year. Deadlines FSAs are “use-it-or-lose-it” accounts, meaning any funds remaining after the end of the plan year will be forfeited. However, our plan has a 2½ month grace period that gives you additional time to incur claims and use your existing FSA funds to pay those expenses. After this grace period, however, you automatically forfeit any remaining amounts. Access Funds You can access your Health Care FSA funds through a debit issued by WEX. With this card, you can pay your expenses directly, without the need to complete a reimbursement form. Use Use your funds to pay for qualified health care expenses such as medical, dental, and vision copays, deductibles, and other out-of-pocket costs. For full details on each FSA, including a current list of eligible expenses, claims filing deadlines and other information, visit the WEX website at www.wexinc.com/contact/health.
Our Dependent Care FSA is available to all Sonrava Health team members.
(FSAs)
An HSA is a personal healthcare bank account you can use to pay out-of-pocket medical expenses with pre-tax dollars. You can open an HSA if you enroll in the: • Blue Shield EPO with HSA. • Kaiser Permanente HDHP HMO with HSA (available to California residents only). Common eligible expenses may include:
Dental Care
Deductibles, Copays, and Coinsurance
Eligible Prescriptions
Vision Care
How the Account Works You Can Contribute … You are encouraged to contribute to your HSA on a pre-tax basis up to an annual limit set by the IRS (see Contribution Limits below). There are restrictions on eligibility for an HSA. See below for those specifications. If you are a new hire, please note that certain rules apply to new hires who enter the plan mid-year. Use Your HSA … You decide when to withdraw money from your HSA to pay for qualified medical expenses, including your deductible and coinsurance payments. It works like a bank account. You can access your HSA funds directly by using your HSA debit card. No claim forms to fill out. Or Let It Grow … Unused HSA funds stay in your account from year to year, and you can use this money to reduce future out-of-pocket health expenses. You can even invest your HSA funds so your available healthcare dollars can grow over time. Rollover Unused Funds … At the end of the year, any unused HSA balance automatically carries over for use toward the upcoming year’s eligible expenses. By managing your medical expenses wisely, you can grow your account year to year for use in the future, even during retirement. You own the account even when you leave or retire from Sonrava Health. HSA Eligibility You are eligible to open and fund an HSA if you: • Are enrolled in the Blue Shield EPO with HSA or the Kaiser HDHP HMO with HSA • Are not enrolled in any other non-HSA qualified medical plan. • Are not covered by your spouse’s health plan (unless it is a qualified high-deductible health plan), flexible spending account (FSA) or health reimbursement account (HRA). • Are not eligible to be claimed as a dependent on someone else’s tax return. • Are not enrolled in Medicare, TRICARE or TRICARE For Life. Received care through the Veteran’s Administration (VA) in the prior three calendar months, and that care was dental, vision or preventive care or was provided to a veteran who has a disability rating from the VA. Contribution Limits
For full HSA details, contact your HSA vendor: • Blue Shield EPO with HSA: www.discoverybenefits.com • Kaiser Permanente HDHP HMO with HSA: www.kp.org/healthpayment
The HSA is available to all MADP team members who enroll in certain medical plans.
Identity guard
Accident insurance
Critical illness insurance
Besides the mental and physical stress an unexpected medical diagnosis can create, the financial toll can be significant. Critical illness insurance helps protect yourself when out-of-pocket expenses increase as a result of a specified illness. The plan covers the following medical conditions: • Cancer • Heart attack • Stroke • Coronary artery bypass graft • Kidney failure • Alzheimer’s disease • Major organ transplants • 22+ additional conditions
Your Costs See The Cost of Your Benefits for contribution amounts.
Although your medical benefit pays a portion of costs associated with a hospital stay, there are expenses not covered by your medical benefit that add up. Hospital Indemnity insurance is designed to provide financial assistance for those additional expenses by paying you a direct benefit if you become hospitalized. How the Plan Works Cash Benefit Paid Directly to You Hospital Indemnity insurance can help safeguard your finances by providing you with a lump-sum payment when you or your family needs it most. The extra cash can help you focus on getting back on track — without worrying about finding the money to cover some of your expenses – including your or your family’s everyday living expenses while you recover. It is yours to use as you see fit. Timing of Benefit Payment You are eligible to begin receiving benefits when you are admitted to a hospital or intensive care unit, and for each day you’re confined. Your Costs See The Cost of Your Benefits for contributions.
Hospital indemnity
Identity Guard Is the only identity protection solution that uses the powerful processing of IBM Watson Technology. Identity Guard scans past credit reports, but also scouts for potential problems in the future by using the vast power of IBM Watson. Like powerful radar, Watson is constantly scanning billions of online sources to assess your risk and suggest ways to reduce exposure, allowing you to avoid problems before they cause you harm. Your Costs For a full plan summary and rate information, contact Identity Guard: • By phone, at 855-443-7748. • On the web, at www.identityguard.com.
How the Plan Works Receive a cash benefit – paid directly to you - if you are diagnosed with a covered medical condition and meet certain criteria. If you have an initial diagnosis and there is a recurrence after a certain length of time, the plan pays recurrence benefits.
Does not have a waiting period. Supplements your existing medical coverage. Covers your family for a wide variety of accidental injuries, including broken bones, concussions, dislocations, and second- and third-degree burns. Provides a lump-sum payment when a covered person has medical services and treatments related to accidental injuries, such as certain doctor visits, ambulance transportation, medical testing and physical therapy. Provides payment directly to you, which you can use any way you see fit. Is portable – take your coverage with you if you leave the Company or retire.
Accidents happen – and with it can come unexpected expenses that are not covered by medical insurance. Accident insurance can help you get back on your feet if you are in an accident and incur associated expenses. How the Plan Works You may want to consider accident insurance if you and your family have an active lifestyle, your children play sports or you’re enrolled in a medical plan with high deductibles or co-pays. This benefit:
identity guard
critical illness insurance
Critical Illness coverage is available to all Sonrava Health team members.
* These are example rates. Your rate will depend on your age, coverage amount, and who you choose to cover. Log in to Selerix at https://chubb.benselect.com/westerndental.
Hospital Indemnity coverage is available to all Sonrava Health team members.
Accident coverage is available to all Sonrava Health team members.
Your Costs See The Cost of Your Benefits for contributions.
Cancer Guardian is a new and innovative, high touch support program designed to provide you and your family with the genetic testing, dedicated resources, and technology needed to effectively navigate cancer while improving chances of survival. Some features of Cancer Guardian include: • Hereditary screening tests. • Comprehensive genomic (DNA) profiling. • Cancer Guardian Support Line. • Dedicated nurse case manager. • Medical records storage and transmission platform. Your Costs For a full plan summary and rate information, contact Cancer Guardian: • By phone, at 833-248-2734. • On the web, at www.cancerguardian.com.
Cancer Guardian coveage is available to all Sonrava Health team members.
Identity Guard coveage is available to all Sonrava Health team members.
Leave of absence
Taking a leave of absence
Sonrava Health’s employee leave of absence (LOA) plans include federal Family and Medical Leave Act (FMLA), applicable state family and medical leave (CFRA/PDL), as well as Sonrava Health’s company leave plans. Typical LOAs include: If you need to take an LOA, our absence management provider, ReedGroup, can help guide you through the process from start to finish. A dedicated case manager will be your point of contact during your LOA and can answer questions about the leave process. Requesting an LOA To request an LOA, start by notifying your supervisor and following the company’s normal “call out” procedures. Next, call ReedGroup to report your LOA and you’ll be walked through the process. If you have more than one active leave, you must identify the specific leave and reason for that leave. Remember, an LOA must be used for the stated purpose. You can contact ReedGroup by: • Phone: 800-441-9052 between 8 a.m. and 8 p.m. EST, Monday through Friday • Fax: 518-880-6885 • Web: https://westerndental.myleaveproservice.com/
Manage Your LOA with LeavePro! With LeavePro, you can more efficiently manage your leave online at your convenience. It’s intuitive, streamlined navigation helps you quickly find leave information or complete leave tasks. With LeavePro you can: • Submit an LOA request, manage a current leave, and view details of all leaves. • Quickly view and complete your required tasks to keep your LOA request moving forward. • Receive alerts and notifications (via text and/or email) to keep informed of LOA status. • Securely upload documents via computer or mobile device (please have all documentation ready to upload at one time). • View LOA status and remaining time available • Add a time-off request to an intermittent leave; reporting must be completed as outlined in the company’s leave policy • View and confirm expected date for returning to work. To access LeavePro online or through your mobile device, visit https://westerndental.myleaveproservice.com/#home at any time. For more information regarding the LOA process, please call the LOA Department at 714-571-3396.
Other company- specific leaves
Military leave, including care for an injured or ill military service member
Family leave to care for a spouse, child or parent
Medical or pregnancy leave
REQUIRED NOTICES
Health Insurance Marketplace Medicare Part D Notice Continuation Coverage Rights Under COBRA Kaiser Permanente Patient Practices Disclosure Women's Health and Cancer Rights Act Newborns and Mothers Health Protection Act Special Enrollment Notice Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP) Notice of Privacy Practices Summary Annual Report Notice
Click on each document to download a PDF.
Document Downloads
ELIGIBILITY
Get help from Direct Path Are you getting married and not sure how and when to add your new spouse to your plan? Is your stepchild eligible for your healthcare plan? Do you need help understanding the difference between an HSA and an FSA? A Benefit Advocate can help answer these questions and more. Direct Path Counselors are trained benefits expert who can help you understand and use your healthcare and other coverage. Contact your Benefit Advocate for issues such as: • General benefit questions • Eligibility and coverage • Finding a network provider • Health care claim or billing issues, when warranted • Coverage changes due to life events (marriage, new child, divorce, etc.) Claims assistance If you need claims assistance, you’ll need to complete a HIPAA Authorization Form to grant your Benefit Advocate permission to work with your insurer and/or healthcare provider(s) to resolve your claims issues. Permission is granted on a limited time basis to only the individuals listed on the form. The form is revocable at any time. Your Benefit Advocate will provide the form to you when needed.
Benefit Advocates with DirectPath
Have Questions About Your Benefits? Phone: 877-900-5687 Hours: Monday-Friday: 8am-9pm EST
Plan CONTACTS
DOCUMENTS AND RESOURCES
Click the links below to view videos!
Forms:
2022 Benefits Summary PTO Information Who to Call Set Up your BRI (HRA) Account Paid Family Leave 403b Plan Enrollment Book Termination of Benefits
Dependent Eligibility/ Spousal Proof
Dependent Eligibility/ Spousal Proof (2)
Evidence of Insurability (EOI)
Find a Medical Provider Find a Teledo Medical Providers Trustmark LTC Trustmark UL w/Long-Term Care Trustmark UL w/Covalescent Care Trustmark Voluntary STD
Aflac Claims Aflac Critical Illness Aflac Accident Aflac Hospital EAP Self-Help EAP Benefit Summary Who to Call: Benefits Find A Doctor
Commuter Benefits/Enrollment Change Form
How to Set Up Your Work Station
voluntary products:
Main products:
WELLNESS INformation:
Report a Workplace Injury
Wellness FAQs
Wellness Poster
Wellness Flyer
Short Term Disability Insurance
Hospital Indemnity Insurance
Accident Insurance
Critical Illness Insurance
Dental HMO Plan Dental PPO Plan Dental DHMO Fee Schedule Dental DPPO Benefit Summary Liberty Access High Plan Liberty PPO Low Plan
General Benefits
2022 Benefits Guide
Summaries of Benefits Coverage
Find a Medical Provider
TeleDoc
Health Reimbursement Account (HRA)
Real Appeal
Addition/Termination/Change Form
Dental HMO Plan Summary
Dental HMO Fee Schedule
Summaries
Find a Vision Provider
EyeMed Vision Video
Voluntary Benefits - Aflac
Filing a Claim
Accident Summary
Critical Illness Summary
Hospital Indemnity Summary
Voluntary Benefits - Trustmark
Long-Term Care Summary
Universal Life/LTC Summary
Universal Life/Convalescent Care Summary
Short-Term Disability (Paycheck Protect) Summary
Employee Assistance Program (EAP)
EAP Summary
Accessing EAP Benefits
Training Center
Retirement (403(b))
Enrollment Booklet
403(b) Summary
Education Center
First Reliant Standard
Evidence of Insurability Form
Benefit Resource Inc.
How to Set Up BRI Account
HRA Summary
Medical FSA Summary
Dependent Care FSA Summary
Commuter Benefits Summary and Form
PreventionCloud
Login Information
Proof of Physical Information
Workers' Compensation
Workers' Compensation Manager Photo Email
Accident Report
AmTrust Summary
Leave of Absence/PTO
Leave of Absence Admin Photo Email
Reporting a Leave Case Instructions
Plum Benefits/Working Advantage
Enrollment
Flier
Municipal Credit Union
Contact Information
Dental PPO Plan Summary
Dental PPO Fee Schedule
Find a Dental Provider
Find a Doctor with an Advocate
UnderArmour Discount
Dependent/Spouse Verification
PTO Summary
DOCUMENTS & RESOURCES
The following provide additional information associated with plans and programs available to you. Click on each document to download a PDF. Don't forget! You have additional resources available through the Tools & Resources link on each product page.
TICKETS AT WORK PURCHASING POWER GI THRIVE (VIVANTE HEALTH) Nayya Use PEACH PAY OVIA HEALTH HEALTHCARE BLUEBOOK HELLO ALPHA SERA PreTRM CLEAR MATCH
