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We are…
One Sunrun
We are pleased to provide you with a high level
overview of your Sunrun benefits and the great
resources available to you should you need additional
information
3
PREPARING FOR YOUR ENROLLMENT
• Who is Eligible
• Your Medical Plan Choices
• Other Important Benefits
• Your Costs
• How to Enroll & Resources
• Questions?
4
EMPLOYEE BENEFITS AT A GLANCE
Medical Plans
• Cigna Medical Plans
• Cigna PPO
• Cigna HMO
• Cigna CDHP + HSA
• Kaiser HMO - California Only
Dental Plans
• Principal Financial Group
• Point of Service (POS) - California Only
• Preferred Provider Organization (PPO) – Non California
Vision Plan
• Vision Service Plan (VSP)
Flexible Spending Account (FSA) and Commuter Benefits
• P&A Group
Disability and Life Insurance
• Principal Financial Group
5
WHO IS ELIGIBILE FOR BENEFITS
• Benefits begin on the first of the month following one month of
continuous service
• Full time employees working 30 or more hours per week are
eligible to enroll in the benefits program
• The following dependents are also eligible:
−Spouse is the subscriber’s spouse under a legally valid marriage
−Domestic partner is the subscriber's same-sex or opposite
domestic partner under a legally registered and valid domestic
partnership
−Child is the subscriber’s, spouse’s or domestic partner’s natural
child, stepchild, legally adopted child up to 26 years of age
6
HEALTH, DENTAL AND VISION CARE
PLANS
Medical: Cigna PPO, Cigna HMO, Cigna CDHP+HSA, Kaiser
HMO
Dental: Principal Dental
Vision: Vision Service Plan (VSP)
7
YOUR MEDICAL COVERAGECigna And Kaiser
Cigna PPO Cigna HMO Cigna HSA Kaiser HMO
In Network Out of Network In Network Only In Network Out of Network In Network Only
Coinsurance 90% 70%* 100% 90% 70% 100%
What You Pay…
Annual Deductible
$400/person
$800/family
$1,000/person
$2,000/family
$0
$0
$2,000/person
$4,000/family
$4,000/person
$8,000/family
$0
$0
Out-of-Pocket
Maximum
$2,500/person
$5,000/family
$5,000/person
$10,000/family
$2,500/person
$5,000/family
$3,500/person
$7,000/family
$7,000/person
$14,000/family
$1,500/person
$3,000/family
Physician Office
Visit $25 copay 30%* $25 copay10%
after deductible
30%*after deductible $20 copay
Preventive Care No Charge 30%* No Charge No Charge30%*
after deductible No Charge
Emergency Room $100/visit** $100/visit** 10% after deductible $100/visit**
Urgent Care $35** $35** 10% after deductible $20
Inpatient Hospital
Services
10% plus
$250/admission
30%* plus
$500/admission
0% plus
$500/admission
10%
after deductible
10%* after
deductible
0% plus
$500 copay
Prescription Drugs
-Generic
-Brand Formulary
-Non-Formulary
-Specialty
Retail
$15 copay
$25 copay
$40 copay
30% with a
max of $75
Retail
30%
Retail
$15 copay
$25 copay
$40 copay
30% with a max
of $75
After deductible
$15 copay
$25 copay
$40 copay
After deductible
$15 copay
$25 copay
$40 copay
Retail
$10 copay
$25 copayN/A
The above is intended to provide a brief overview only. For a full description of all
benefits, limitations and exclusions, please see the plan documents
California Only
* You are responsible for amounts that exceed usual, customary and reasonable
** Waived if admitted
8
Who’s eligible for the HSA?
The IRS sets the requirements. Eligibility is as follows:
• Must be enrolled in a qualified HSA medical plan (Cigna HDHP + HSA is a qualified medical
plan).
• Cannot have any other health coverage (this applies to the employee only).
• Not covered by spouse’s medical or pharmacy plan.
HEALTH SAVINGS ACCOUNT (HSA)
• Not covered through Medicare Part A, Part B, Part D, or through TRICARE.
• Not covered through a general-purpose Flexible Spending Account (FSA) plan (either
employee’s or spouse’s).
• Cannot be claimed as a dependent on another person’s tax return.
When you enroll in the Cigna HDHP, a Health Savings Account with HSA Bank is automatically
opened to set aside pre-tax dollars for health care expenses:
• Contribute up to $3,350/$6,750.
• Sunrun will prorate the annual contribution of $600/$1,200 to your HSA.
More about HSA Bank:
• www.myCigna.com is the place to view your HSA details.
• You can also view your balance and recent transactions on the myCigna mobile app.
9
HEALTH SAVINGS ACCOUNT (HSA)
Dependents to age 26 may be enrolled in your medical plan.
HSA funds may only be used for expenses of that dependent if the dependent is
claimed on the employee’s tax return.
HSA funds may not be used for Domestic Partner expenses. The IRS requires
that HSA funds be used only for federally qualified tax dependents.
Dependents
to age 26
Domestic
Partners
Eligible
Expenses
Use the HSA for medical, prescription drugs, dental, vision and certain premium
expenses.
Expenses for anyone you claim as a Federal tax dependent (other than Domestic
Partners – see above).
Your HSA cannot pay for expenses of children to age 26 who are not claimed as a
dependent (see above).
You are responsible for making sure your expenses are eligible according to IRS
Publication 502.
If you use money from your HSA for ineligible expenses, you will pay taxes plus a 20%
penalty (prior to age 65).
1010 10
HINTS TO REDUCE YOUR OUT OF POCKET
EXPENSES
• Use In-Network Providers. Go to www.mycigna.com to look up providers
• Opt for generic over brand name drugs. Click here to read Fast Facts About
Generics posted by the FDA
• Only use Emergency Rooms for emergency services. Use Urgent Care, if
possible
• Call the Nurse hotline for advise and guidance on symptoms and maladies
• Make sure authorizations are in place before getting services.
• If you are having surgery, remember the surgeon, as well as the facility,
anesthesiologist and any other providers working on you should be In-Network.
Don’t be afraid to ask!
• If you get a bill you weren’t expecting, call member services. Bills for amounts
that exceed the PPO “contracted rate” are not your responsibility if you are in-
network
• Use web resources such as www.healthcarebluebook.com to get an idea of the
“fair” cost of services in your area
11
COMMONLY ASKED QUESTIONS
Do I need a referral to see a specialist in a PPO plan?• No, you do not need a referral in order to see a specialist. You will need to visit Cigna’s
website or call members services to find an in-network (participating) provider.
Do I need authorization for services through the PPO plan?• There are some services that require authorization. You can ask your provider if a recommended
service requires authorization and they should be able to advise you.
Are there services that the medical plans don’t cover?
• Medical plans typically do not cover the cost for cosmetic procedure, long-term care and non-
emergency care when traveling outside the U.S. All plans cover emergency care worldwide.
How do I find a provider?• Visit Cigna’s or Kaiser’s website to search for participating providers, medical groups and facilities
When will I receive my new insurance cards?• You should have your ID card within 2 weeks of your enrollment. If you have an immediate need,
once you are enrolled, create an account at www.mycigna.com to print a temporary card
What is meant by Out-of-Pocket limit?• The out-of-pocket limit is the most you could pay during the plan year for your share of covered
services. This limit helps you plan for health care expenses.
• Your health care premiums (withheld from your paycheck) are not included in this amount.
• Out-of-Pocket Maximums vary by plans (HMO, PPO, and HDHP)
12
YOUR HEALTH PLAN MOBILE APPSAvailable THROUGH The App Store Or Google Play
Cigna Mobile App Kaiser Mobile App
13
Dental benefits are offered through Principal – when you use a network dentist,
your benefits are richer and you stretch your dental dollars.
• California members are eligible for the Point of Service (POS) dental plan
with three levels of benefits.
• Non California members are eligible for the Preferred Provider
Organization (PPO) with two levels of benefits.
YOUR DENTAL COVERAGEPrincipal Financial Group
Great News! The dental plan allows up to $375 of
unused maximum benefit to carry
over to increase your maximum benefit in the
following year.
Go to www.principal.com to see if your dentist
is a network provider. There are more than 139,000
participating dentists in the network. Don’t see your
dentist?
Don’t panic! Click here to nominate your dentist
or call 800-832-4450. Principal is actively
recruiting!
14
Point of Service (POS)Exclusive Provider
Organization (EPO)
Preferred Provider
Organization (PPO)
Out-of-Network/Non-
PPO (OON)*
Calendar year deductible combined $0 $50 per person; $150 per family
Calendar year maximumcombined for EPO, PPO and OON $1,500
Preventive Procedurese.g. cleanings, exams, x-rays**
100%No deductible
100% No deductible
100%After deductible
What Principal Pays…
Basic Procedurese.g. fillings, root canals, oral surgery
90%No deductible
90%After deductible
80%After deductible
Major Procedurese.g. crowns, bridges, dentures
60%
No deductible60%
After deductible
50%After deductible
Orthodontia- Adult & Child(ren)
50%
$1,500 Lifetime Maximum
YOUR DENTAL BENEFITSPrincipal Financial Group – California Members
• It’s a good idea to contact Principal for a “predetermination of benefits” when services for a period of
dental treatment are expected to exceed $300
• Cleanings must be at least 6 months apart to qualify for coverage
• White fillings (Amalgam fillings) on back teeth are NOT covered.
* OON benefits based on prevailing fee. ** Two per calendar year for cleanings and exams
15
Preferred Provider Organization (PPO)Preferred Provider
Organization (PPO)
Out-of-Network/Non-PPO
(OON)*
Calendar year deductible combined $50 per person; $150 per family
Calendar year maximumcombined for PPO and OON $1,500
Preventive Procedurese.g. cleanings, exams, x-rays**
100% No deductible
100%No deductible
What Principal Pays…
Basic Procedurese.g. fillings, root canals, oral surgery
90%After deductible
80%After deductible
Major Procedurese.g. crowns, bridges, dentures
60%After deductible
50%After deductible
Orthodontia- Adult & Child(ren)
50%
$1,500 Lifetime Maximum
YOUR DENTAL BENEFITSPrincipal Financial Group – Non California Members
• It’s a good idea to contact Principal for a “predetermination of benefits” when services for a period
of dental treatment are expected to exceed $300
• Cleanings must be at least 6 months apart to qualify for coverage
• White fillings (Amalgam fillings) on back teeth are NOT covered.
* OON benefits based on prevailing fee. ** Two per calendar year for cleanings and exams
16
In-Network
What you pay:
Out-of-Network
What you are reimbursed:
Well Vision Exam
every calendar year $10 copay Up to $50
Prescription Glasses
every calendar year $30 copay Up to Maximum Allowance
Lenses – Single Vision Included in Prescription Glasses Up to $50
Frames
every other calendar year
Included in Prescription Glasses
($140-$160 allowance) Up to $70
Contacts
in lieu of glasses
Medically Necessary: Covered in Full
Elective: $140 allowance
Medically Necessary: Up to $210
Elective: Up to $105
YOUR VISION COVERAGE Vision Service Plan (VSP)
Find an eyecare provider who’s right for you.
Choose a VSP provider or any out-of-network provider. To
find a VSP provider, visit www.vsp.com or call 800.877.7195.
Extra Savings
• Costco through the Affiliate Program
• Glasses and Sunglasses
• Retinal Screening
• Laser Vision Correction
17
Health Care Spending Account
• Set aside up to $2,550 per year for eligible health care expenses.*
• Eligible expenses may include deductibles and copays for medical,
dental and vision plans.
Dependent Care Spending Account
• Set aside up to $5,000 per year ($2,500 if married and filing
separately) for eligible dependent care expenses so you can work.
• Qualifying children must be under age 13, or, if over age 13,
incapable of self-care.
* Proviso: HSA members are eligible for a limited FSA for dental and
vision expenses.
FLEXIBLE SPENDING ACCOUNTS P&A Group
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Commuter Benefit Account
• Set aside up $130 per month of pre-tax dollars to pay for eligible
Transit expenses and $255 for 2016 for eligible parking expenses.
• Eligible expenses include public transit, official vanpool fees and
parking related to your commute.
• Start, stop or change your contributions at any time
• No “use it or lose it” with your Commuter Benefit Account; available
balances carry over year to year.
FLEXIBLE SPENDING ACCOUNTSP&A Group
19
BENEFITS FOR YOUR PEACE OF MIND
Disability: Principal
Short and Long Term Disability
Life and
AD&D: Principal
Group and Voluntary Life
2020
LIFE AND AD&D AND DISABILITY INSURANCEPrincipal Financial Group
Basic Life and AD&D Insurance
• 1x annual base salary up to $250,000.
Short-Term Disability
• 15-day waiting period; replaces 66.67% of your base salary to a weekly maximum of $2,309 for up to 11 weeks. Benefits are taxable.
Long-Term Disability
• 90-day waiting period; replaces 60% of your base salary to a monthly maximum of $10,000, until age 65. Benefits are tax free.
2121
VOLUNTARY TERM LIFE INSURANCEPrincipal Financial Group
Employee, Spouse and Child Coverage
• $10,000 increments for Employee, $5,000 for spouse.
• $500,000 maximum for employee; 100% of employee coverage for spouse up to
$100,000; $20,000 maximum for child.
• Guaranteed Issue: Evidence of Insurability waived for up to $140,000 for Employee
and $30,000 for spouse.
Special One Time
Guaranteed Issue as a
New Hire
Group Voluntary Term Life Insurance Rates
<29 $0.076 per $1,000
30 - 34 $0.094 per $1,000
35 - 39 $0.122 per $1,000
40 - 44 $0.178 per $1,000
45 - 49 $0.291 per $1,000
50 - 54 $0.463 per $1,000
55 - 59 $0.806 per $1,000
60 - 64 $1.242 per $1,000
65 - 69 $2.285 per $1,000
70 & Over $4.737 per $1,000
For example:
Mary is 32 and wants to buy $140,000 (GI) in
Voluntary Term Life (VTL) Insurance. Mary’s
monthly premium would be $13.15 ($0.094 x
$140,000 / $1000)
Mary’s husband, Joe, is 51 and want to buy $30,000
(GI). Mary’s husband lucks out because his rate is
based on Mary’s age. The cost for Joe’s VTL is
$2.85 per month ($0.094 x $30,000 / $1000)
22
WHAT ABOUT OTHER BENEFITS?
401(k): T. Rowe Price
Stock Program
Employee Assistance Program (EAP): Claremont
Pet Insurance: VPI Voluntary Pet Insurance
23
401(K) AND STOCK OPTIONS
401(k) Eligibility
• Sunrun, Inc hires – T. Rowe Price
• Find enrollment forms on Sunrun Central and submit to HR for
processing
• Once your enrollment, manage your investments on T. Rowe Price’s site
• Sunrun Installation Services – Transamerica
• You will receive a packet from TAG Resources with your enrollment
information. Log on at www.TA-Retirement.com to enroll and select
deferrals and investments
Stock Options –
• Offer letter included your initial grant. Once approved by the Board
of Director’s, you will receive an email from CapMx
• Log in to CapMx to accept your grant and review your vesting date
• Questions can be directed to stockoptionadmin@sunrunhome.com
24
• Stock Option Grant
• Is the right to buy stock in the future at a predetermined price
• Exercise Price
• The price the Board of Director’s determines based on the Fair Market
Value of a share on the date the Option was granted.
• Vesting Period
• A period of time the employee must wait in order to be able to exercise
their options
• Vesting Commencement Date
• The date in which the option begins to Vest i.e. Hire/Eligibility Date or
Plan Start Date
*You only continue to vest as long as you are an employee
STOCK OPTION TERMINOLOGY
Sunrun Vesting Schedule – 4 years
25%1 year anniversary of vesting
commencement date
36 equal monthly installments The balance (next 3 year)
2525
Sunrun provides, at no cost to you, a resource that is designed to improve or enhance your
quality of life. The Claremont EAP offers 3 free visits per incident for many of life’s worries,
concerns and issues. You and your family members living in your household have access to
licensed professionals 24/7 by phone or call to schedule in-person visits.
You may be familiar with the core services and support available through an EAP. Key work
life issues include:
Family, relationship and parenting issues
Child and elder care needs
Pet services
Education assistance
Emotional and stress-related issues
Conflicts at home or work
Alcohol and drug dependencies
EMPLOYEE ASSISTANCE PROGRAM (EAP)
Your calls,
inquiries and
services are 100%
confidential
But did you know…
• You get a free credit report every benefit period? (And yes, it does come with a
credit score.)
• You can do a Simple Will for free?
• You are entitled to a Free 30-minute with an attorney (legal advice covers all areas
of law except employment law)
• You can get help with evaluating before- and after-school programs for your child?
• You have a resource for finding groomers and boarders for your pet?
2626
VOLUNTARY PET INSURANCE (VPI)
• Policies help pay for medical problems and conditions related to accidental
injuries, poisonings, illnesses and more.
• You can visit any licensed veterinarian.
• Cover your dog, cat, bird, tortoise, turtle, lizard and more.
• Dogs and cats must be between 6 weeks and 10 years old.
• Birds must be 3 months or older.
• Rabbits, snakes, guinea pigs and other exotic pets must be at least 6
weeks old.
27
WHAT ARE MY COSTS?
2015 Contributions were designed to:
• Offer a range of coverage and contribution options
• Align with current market
• Prepare us for future success
28
2015 PER PAY PERIOD COST OF COVERAGE
Coverage Employee Only Employee &
Spouse
Employee &
Child(ren)
Family
Cigna HSA $41.22 $108.25 $97.94 $154.66
Kaiser HMO $40 $120 $100 $165
Cigna PPO $56.11 $139.30 $126.00 $199.01
Cigna HMO $67.83 $148.19 $134.07 $211.72
Principal Dental $6 $15 $16 $27
Employee Only Employee + 1 Dep Employee + 2 or
more
VSP $1.25 $2.50 $5
Group Life & AD&D Company Paid
STD Company Paid
LTD Company Paid
Voluntary Life Employee Paid, Age-rated
29
GREAT RESOURCES!
• Have questions about your the Cigna plans?o Call the dedicated enrollment hotline 24 hours a day, 7 days a week at 1-800-401-4041.
o You can also link to Cigna Provider Look Up to search providers by zip code, provider or
specialty.
Once you are enrolled, link to www.mycigna.com to register as a Cigna member. View your claims,
benefits and discounts.
• Are you interested in the Cigna HSA and want to see what the IRS considers an
eligible medical expense?o Click here for the list
Have questions for Kaiser?o Go to www.kp.org or by calling 1-800-278-3296.
• Want to know the cost to insure your pet?o Call 877-Pets-VPI (877-738-7874) • www.PetsVPI.com
30
GREAT RESOURCES!
• Log into your Benefits Administration System to view the benefit summaries, link to the
carrier websites and make your new hire elections.
31
UNDERSTANDING THE PROGRAMS AND SERVICES THAT
HELP YOU MAKE THE MOST OF YOUR BENEFIT PLANS
• Take an active role in managing your health
• Take time to familiarize yourself with your plan benefits
• Schedule a wellness/preventive care visit with a doctor
• Find out what preventive services/screenings/interventions are available to you and
your family. There is no charge for preventive care however please check with your
plan/provider to confirm these services will be billed as a preventive visit:
• Well-baby/Well-child/Well-person exams, including annual well-woman exam
• Routine immunizations
• Breast cancer and Cervical cancer screenings for women
• Cholesterol/lipid disorders screening
• Colon cancer screenings (over age 50)
• Diabetes screening
• Prostate cancer screening (men over age 50 or age 40 with risk factors)
• Tobacco use/cessation interventions
32
UNDERSTANDING THE PROGRAMS AND SERVICES THAT
HELP YOU MAKE THE MOST OF YOUR BENEFIT PLANS (CONTINUED)
• Schedule a well vision exam
• Schedule a preventive dental exam
• Review your pharmacy coverage
• Find out where you can obtain urgent care services
• Contact Member Services (the telephone number listed on your ID card) with
questions throughout the year
• Check out plan websites for health-related health and wellness
products/services
• Healthy Pregnancy Resources
• Preventive Care Services (list by gender, age, and frequencies)
• Learn about your Mail-order prescription drug coverage benefits
33
QUESTIONS?
Benefit Advocate Center
BAC.Sunrun@ajg.com
855.266.8876
Advocates are available from
6 a.m. to 6 p.m. PST
Employee Resource Portal
https://pcms.plansource.com/e
ntities/34307/pub_nodes/1019
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