Important Definitions
These terms will help you as you read through this guide.
- Deductible
This is the amount you have to pay out-of-pocket before the plan starts to pay.
- Coinsurance
Once you meet the deductible, this is the percentage the plan will pay. If the coinsurance is 80%, you’ll pay 20% of the cost of care.
- Copay
This is a flat amount you pay when you receive care. For example, if your plan has a copay for doctor visits, you pay just that amount and the plan pays the rest. In some medical plans, some kinds of care require copays and other kinds of care require coinsurance.
- Annual out-of-pocket maximum
This is the most you’ll pay in a plan year. Once you reach this, the plan will cover 100% of your qualified medical care for the rest of the plan year. You won’t have to pay any more costs once you meet the out-of-pocket maximum, as long as you stay in-network. This includes the deductible, coinsurance, copays and prescription drug costs.
- Employee premiums
The amount taken out of your paycheck to pay for health insurance.
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
Employees reaching Medicare eligibility (age 65+) may continue enrollment in SPE medical plans and defer Medicare enrollment until they leave the company. Please note, if you enroll in any part of Medicare, you are no longer eligible to contribute to the Health Saving Account without tax implication. The IRS suggests stopping HSA contributions 6 months prior to enrolling in Medicare. SPE has partnered with Via Benefits to provide employees with support and guidance when planning for retirement. https://discoverviabenefits.com, 1-88-491-6527.
CVS Caremark
CVS/Caremark provides prescription coverage for employees and dependents enrolled in an Aetna medical plan. You’ll receive one ID card for Aetna medical and CVS/Caremark pharmacy benefits. Get your maintenance medications delivered directly to your home or pick them up at your local CVS pharmacy, Kroger, or Costco. Learn more information about your prescription coverage at https://caremarkrxplaninfo.com/spe.
Mental Health and Emotional Wellbeing
All full-time, regular Sony Pictures employees and their family members can access a full continuum of convenient and confidential mental health and emotional wellbeing benefits through our new partner, Spring Health — all provided at no cost to you. Just like exercising regularly or going to the doctor for an annual checkup, Spring Health gives you and your family the tools to improve your mental wellness.
We know privacy is a concern when it comes to mental healthcare. Know that Spring Health is 100% confidential and your information is never shared back to Sony Pictures. Take time to prioritize yourself and take advantage of Spring Health’s services.
Complete your mental health and emotional wellbeing assessment at sonypictures.springhealth.com and receive your personalized care plan based on your exact needs. Connect with your dedicated Care Navigator to help you along your journey.