Health BENEFITS
Choosing a health plan takes careful planning and consideration. Compare options side by side to pick the best one for you and your family.
Terms to Know
These terms will help you as you read through your options.
- Employee premiums: the amount taken from your paycheck to pay for coverage
- Annual deductible: the amount you pay out of pocket before the plan starts to pay
- Coinsurance: once you meet the annual deductible, this is the percentage the plan pays. If coinsurance is 80%, you pay 20% of the cost of care.
- Copay: a flat amount you pay when you receive care; the plan pays the rest
- Annual out-of-pocket maximum: this is the most you’ll pay in a plan year. Once you hit it, the plan covers 100% of in-network care for the rest of the year.
Medical Plans
- EXPAND ALL|COLLAPSE ALL
- AETNA SONY CONSUMER CHOICE
THE SONY CONSUMER CHOICE PLAN IS A PREFERRED-PROVIDER PLAN (PPO) THAT INCLUDES A HEALTH SAVINGS ACCOUNT (HSA).
You may visit any doctor or specialist you choose, in- or out-of-network. You’ll have lower monthly premiums than with any of the other plans offered, but you’ll also have a higher annual deductible. Many of your prescription drugs are subject to your medical plan deductible so you’ll pay 100% of the cost for medications until you reach your combined medical prescription deductible; however, the plan does cover many preventive drugs at 100%.The Sony Consumer Choice Plan works in conjunction with an HSA. Review the plan comparison chart here for more information.
- AETNA SONY PPO
This plan allows you to visit any health care provider you want but pays more when you use in-network providers. The PPO Plan’s network is the same as the Consumer Choice Plan.
The plan covers in-network preventive care at 100%. For in-network office visits, you pay a copayment. For other care, you pay 100% of all expenses until you meet the deductible before the plan starts paying, except for in-network office visits, which are subject to a copayment, and in-network preventive care. If you cover dependents on your plan, each person must meet the individual deductible until the family deductible is met. You may meet the family deductible by any combination of covered medical expenses you and your covered family members incur.
- AETNA SONY EPO
The EPO is an in-network-only PPO with a modest deductible. You may visit any doctor in the Aetna Select EPO network without a referral. You don’t have to choose a primary care physician (PCP) but having a PCP results in a higher level of care continuity.
This plan covers in-network preventive care at 100%. For in-network office visits, you pay a copayment. For other care, you pay 100% of all expenses until you reach the deductible.
- KAISER HMO PLAN (Available in California Only)
You must use health care providers and facilities in the Kaiser network only. You choose a primary care physician (PCP) who will refer you to specialists if necessary. Most services require a copay, and there is no deductible to meet.
Medicare & Medical Benefits
Employees who reach Medicare eligibility (age 65+) can stay enrolled in Sony Pictures medical plans and defer Medicare until they leave the Company.
Note: Enrolling in any part of Medicare makes you ineligible to contribute to an HSA without
tax implications.
Sony Pictures has partnered with Via Benefits for retirement planning support. Visit https://discover.viabenefits.com/sonypictures, or call 1-888-491-6527 for more details.
Prescription Drugs
All of Sony Pictures’ medical plans include prescription drug coverage, though what’s covered depends on the medical plan you choose and the type of drug. Coverage for all Aetna plans is administered by CVS Caremark, and for the Kaiser plan by Kaiser Pharmacy.
Dental & Vision Coverage
TAX SAVINGS ACCOUNTS
Sony Pictures offers accounts that let you save money, tax-free, for health and child care expenses.
Health Saving Accounts (HSAs)
The HSA allows you to set aside money to pay for eligible health care expenses now for yourself and your dependents. If you prefer, you can invest the money and use it for future health care expenses. You must be enrolled in the Sony Consumer Choice Plan to participate in the HSA.
Flexible Spending Accounts (FSAS)
We offer three types of FSAs. You determine how much to contribute to each account. Your contributions are deducted from your paycheck on a before-tax basis (subject to IRS). FSAs and the HSA are administered by Inspira Financial.
USE IT OR LOSE IT
You have until December 31, of the current plan year, to use your FSA funds. Make sure to plan your contributions carefully because you’ll lose any unused funds. Flexible Spending Accounts (FSAs) allow you to set aside money on a pre-tax basis to pay eligible health care and dependent day care expenses. You must choose a contribution amount during the enrollment period to participate in an FSA; the amount you contributed last year doesn’t automatically carry over.
- EXPAND ALL|COLLAPSE ALL
- HEALTH CARE FSA
The Health Care FSA is designed to help you budget money to pay for certain eligible health care expenses during the year. The money you set aside in an FSA isn’t subject to payroll taxes, which could help you save money.
- LIMITED PURPOSE FSA
A Limited Purpose Health Care FSA complements your HSA. Unlike a regular FSA, it only covers dental and vision expenses until you meet your Sony Consumer Choice Plan annual deductible. After that, it can be used for medical expenses too.
- DEPENDENT CARE FSA
The Dependent Care FSA is designed to help you budget money to pay for certain eligible dependent care expenses during the year necessary to enable you or your spouse to work.
Mental Health
Spring Health connects you to confidential, personalized mental health care, available anytime, anywhere, by phone, via app, or in person. It’s available to all U.S. benefits-eligible Sony Pictures employees and dependents age 6 and older.
WHAT CAN I USE IT FOR?
- Personalized recommendations: Take an assessment to identify the right care,
learn more about yourself, and track your progress. - Dedicated Care Navigator: A personal guide supports you every step of the way.
- Therapy: Book sessions with trusted, licensed providers at times that work for you. Your first eight sessions are paid for by Sony Pictures.
- Coaching: Get goal-oriented support that helps you build practical skills and healthy habits to make progress in your personal and professional life.
- Medication management: Speak with a Spring Health prescriber to manage medications, when appropriate.
- In-app wellness exercises: Get meditations, better sleep techniques, and on-the-go mental fitness tools.
- Work-life services: Navigate life’s challenges with help from legal guidance to financial planning.
WHAT DOES IT COST?
Sony Pictures employees and each of their covered dependents receive up to eight free therapy sessions every year with a Spring Health provider.
If you’re enrolled in an Aetna medical plan and you see a Spring Health provider for therapy, you can continue seeing them as an in-network provider — subject to your annual deductible, copay, and coinsurance — after your first eight visits paid for by Sony Pictures.
If you’re enrolled in the Kaiser plan, a behavioral health liaison can help you transition to a Kaiser network provider if you need services beyond what Spring Health offers.