Quality health plans & benefits
Healthier living
Financial well-being
Intelligent solutions
The Power of Choice
When you’re building a healthier life,
every choice counts.
We invite you to learn more about your Aetna medical
plan options:
•Health Account Plan
•Basic Plan with HSA
•Consumer Access Plan
To learn more about your Aetna benefits options and
tools, visit www.aetnaresource.com/13068/sprint
or call 1-800-798-0083.
Health care is changing
Gone are the days of only treating you when you’re sick.
Now the focus is on helping you stay healthy. By giving
you the tools you need, we help you make informed health
care decisions, because even the smallest ones add up.
That’s where the power of choice comes in. Each year
during enrollment, you have the power to choose the
benefits that work best for you and your family. Because
just as health care changes, so do your needs.
Aetna is committed to helping build healthier lives. We are
building a simpler, more connected health care system
that helps you to choose the right care at the right time,
with less hassle.
With Aetna you’ll get:
Award-winning customer service
A national network of more than 1 million
health care providers
DocFind® our online directory of network
doctors and other health care providers at
www.aetnaresource.com/13068/sprint
Wellness programs to help you reach
your health goals
Online tools and resources to help you
manage your benefits, health and health care
24/7 access to help and answers online
and by e-mail or 1-800-798-0083 during
business hours.
1
Medical Plan Options
Sprint offers you three medical/prescription
drug plan options that cover you nationally
no matter where you may travel:
•Health Account Plan
•Basic Plan with HSA
•Consumer Access Plan
With all Sprint medical plans from Aetna,
you can feel confident knowing that you
have the coverage you need, with features
such as:
•Comprehensive medical and prescription
drug coverage
• 100% coverage for all in-network
preventive care in accordance with the
Affordable Care Act (ACA) guidelines
• A choice of doctors and providers from one of the nation’s largest provider networks
• Financial protection against high
medical expenses in case of serious
illness or injury
Consumer Driven Health Plans
Both the Health Account Plan and the
Basic Plan with HSA are considered
Consumer Driven Health Plans. Both
include comprehensive medical
coverage, plus an account fund to
help you pay for care.
2
How the Health Account Plan works
The Health Account Plan combines a medical and prescription drug plan and a Health Reimbursement Account (HRA) that
helps pay eligible expenses.
Health Account Plan
Deductible
You pay 100%
until you meet the
deductible (except for
preventive care in
accordance with ACA
guidelines).
Coinsurance
Out-of-Pocket Maximum
You pay 20%, plan pays 80%
for most services*
Once you meet your
deductible, you pay a small
percentage of your in-network
covered expenses and the plan
pays the rest.
Plan pays 100%
Once you reach the out-ofpocket maximum, the plan pays
100% of covered expenses for
the rest of the year.
Health Reimbursement Account (HRA)
This plan includes a Health Reimbursement Account (HRA), to help you pay for covered health
care services. Sprint sets up the account for you. No claims forms are needed if you visit
doctors and other health care providers in our national network. Your eligible health care
expenses are automatically paid from the account. Your HRA pays the first dollar coverage
toward your deductible for each covered service until it is exhausted. You pay the remainder of
the deductible out of pocket.
*See the Benefits at a glance chart on page 7 for details.
HRA features include:
•Contributions
Sprint will make an $800 employee only/$1,600 family
contribution to your account. You cannot contribute to the
HRA plan like you can with an HSA. This account is pro-rated
for mid-year enrollments.
•Tax savings
The account doesn’t count as taxable income for you. That means you cover some health care costs with tax-free dollars.
•Staying power
What happens if you don’t use the entire account during the
year? No problem. The balance rolls over (up to the maximum
of $3,000 employee only or $6,000 family coverage) and is
added to next year’s funded amount. So you can use it to
cover health care expenses down the road.
(But if you change employers or health plans, you can’t take it with you.)
3
How the Basic Plan with HSA works
The Basic Plan with HSA combines a medical and prescription drug plan and a Health Savings Account (HSA) that helps pay
eligible expenses.
Basic with HSA
Deductible
You pay 100%
until you meet the
deductible (except for
Preventive Care in
accordance with ACA
guidelines).
Coinsurance
Out-of-Pocket Maximum
You pay 20%, plan pays 80%
for most services*
Once you meet your
deductible, you pay a small
percentage of your in-network
covered expenses and the plan
pays the rest.
Plan pays 100%
Once you reach the out-ofpocket maximum, the plan pays
100% of covered expenses for
the rest of the year.
HSA
The HSA lets you set aside money to help pay for qualified health care expenses. You can use
the tax-advantaged account to pay for current or future expenses, even those in retirement.
Your account can be used to pay for eligible health care expenses for you, your spouse or your
tax dependents.
*See the Benefits at a glance chart on page 7 for details.
HSA features include:
•Contributions
As long as you make an election to contribute $24 for the
year and have a payroll contribution to your HSA, Sprint will
also provide a contribution to your HSA, administered by
BenefitWalletTM, up to $500 employee only/$1,000 family
contribution.
The maximum contribution for 2016 is $3,350 (employee only
coverage) or $6,750 (family coverage). This maximum includes
any employer contribution and any earned incentives. If you’re
age 55 or over, you also may make a catch-up contribution
of $1,000.
•Tax savings
You can save on taxes in three ways:
• Contributions are not taxed
• Withdrawals are not taxed (as long as you use them for qualified expenses)
• The interest you earn is not taxed
•No “use it or lose it”
You own your HSA and decide how and when to use it to pay
qualified expenses. Account balances roll over year to year.
Your HSA stays with you even if you switch employers, change
health plans or retire.
Your HSA will be administered by BenefitWallet.
Visit https://mybenefitwallet.com/HSA/sprinthsa.adv to open an account.
If you have questions about the HSA, contact BenefitWallet at 1-877-635-5472.
4
Comparing the HSA and HRA: How they work, how they differ
The chart below highlights the major features of the HRA and HSA, and shows the differences and similarities between the
two accounts.
Feature
Health Reimbursement Account
(paired with the Health Account Plan)
Health Savings Account
(paired with the Basic with HSA Plan)
Account ownership
Sprint owns the account.
You own the account.
- Sprint’s contribution
$800 employee only/$1,600 family
Funding is pro-rated for mid-year
enrollments.
$500 employee only/$1,000 family
Funding occurs throughout the year for
each pay period that you have a payroll
contribution, as long as you contribute $24
annually. This amount is pro-rated for
mid-year enrollments.
- Your contributions
Not applicable
You may contribute up to IRS limits. For 2016,
total contributions (yours and Sprint’s) are
limited to $3,350/employee only and
$6,750/family.
- Catch-up contributions
(age 55+)
Not permitted
$1,000
Using your account
Qualified expenses are automatically
paid from your HRA as you incur them,
until the account is exhausted. You are
not able to access account funds.
You may use the account for current
expenses or save for future expenses. You
have a debit card to use for paying qualified
expenses.
Growing your account
Account balances roll over year to year
as long as you stay in the HRA, but do
not earn interest and may not be
invested.
Account balances roll over year to year, earn
interest and may be invested once the
balance reaches $1,000.
Contributions
The most you can roll over in 2016 is
$3,000 for employee only coverage and
$6,000 for family coverage
Tax advantages
Funds used to pay medical expenses are
not reported as income.
•Contributions reduce your taxable income
•Balances earn tax-free interest
•Withdrawals to pay qualified expenses are
not taxed
Portability
No
Yes; account balances are yours to keep, even
if you leave Sprint.
Non-medical use
Not applicable
Funds used to pay non-qualified expenses
are subject to tax and a 20% penalty.
Retirement use
Not applicable
After age 65, you may withdraw funds
without penalty but the amounts withdrawn
will be taxable as ordinary income.
5
How the Consumer Access Plan works
The Consumer Access Plan works like the Health Account
and Basic with HSA Plans. You meet an annual deductible
and then you pay your share of covered expenses.
Once your deductible and share of covered expenses
reaches the out-of-pocket maximum, the plan pays benefits
for covered expenses at 100 percent for the rest of the year.
This plan does not include an account to help you pay your
share of covered expenses, so you’ll pay your share out of
your own pocket.
The Consumer Access Plan’s deductible is lower than both
the Health Account and Basic with HSA Plans’ deductibles,
so benefits start sooner. However, you’ll pay more in payroll
contributions than the other plans.
Consumer Access Plan
Deductible
You pay 100%
until you meet the
deductible (except for
Preventive Care in
accordance with ACA
guidelines).
Coinsurance
Out-of-Pocket Maximum
You pay 20%, plan pays 80%
for most services*
Once you meet your
deductible, you pay a small
percentage of your in-network
covered expenses and the plan
pays the rest.
Plan pays 100%
Once you reach your out-ofpocket maximum, the plan pays
100% of covered expenses for
the rest of the year.
*See the Benefits at a glance chart on page 7 for details.
All three medical/prescription drug plans give you the option of receiving
care out of network. Remember, out-of-network doctors do not have a
contract with Aetna and typically charge more than network doctors, and
your share of the cost is higher too.
6
Benefits at a glance
The chart below compares benefits and coverage between the options available to you and your family.
Health Account Plan
Basic Plan with HSA
Consumer Access Plan
In-network
In-network
In-network
Sprint HSA Contribution
•Employee
Out-ofnetwork***
$500
N/A
•Family
Sprint HRA Contribution
•Employee
Out-ofnetwork***
N/A
$1,000
$800
•Family
Out-ofnetwork***
N/A
N/A
$1,600
Annual deductible
•Employee
$1,900
$3,800
$1,850
$3,700
$1,000
$2,000
•Family
$3,800
$7,600
$3,700
$7,400
$2,000
$4,000
What you pay for covered
services
•Preventive care*
$0
100%
$0
100%
$0
100%
•PCP visit
20%**
40%**
20%**
40%**
20%**
40%**
•Specialist visit
20%**
40%**
20%**
40%**
20%**
40%**
$125 copay,
then 20%**
$125 copay,
then 20%**
20%**
20%**
$125 copay,
then 20%**
$125 copay,
then 20%**
-Non-emergency
40%**
40%**
40%**
40%**
40%**
40%**
•Hospital services
-Inpatient
20%**
40%**
20%**
40%**
20%**
40%**
-Outpatient
20%**
40%**
20%**
40%**
20%**
40%**
Annual out-of-pocket
maximum
•Employee
$3,750
$7,500
$4,000
$8,000
$3,400
$6,800
•Family
$7,500
$15,000
$8,000
$16,000
$6,800
$13,600
40%**
20%**
40%**
(except for
Outpatient
Specialty
Drugs, which
have a $200
copayment)
•Emergency care
-True emergency
(Family
coverage
contains an
individual
cap of
$6,850)
Prescription drugs
Administered by CVS
Caremark
1-855-848-9165
20%**
(Family
coverage
contains an
individual
cap of
$6,850)
40%**
20%**
*Preventive care as defined in accordance with the Affordable Care Act.
**You must meet your annual deductible each year before the plan pays benefits for these services.
***Out-of-network charges are subject to reasonable and customary limits.
7
Stay well, stay connected and stay on track
Look at all your Aetna plan can do for you.
Aetna members have access to these tools and resources to help you live healthy, spend wisely and know
more about your care.
Get your preventive care — for free
One of the best ways to get and stay your healthiest is to have your routine preventive care. And when you
get your care in the network, the plan covers it at 100 percent — with no deductible or copay.
Covered preventive care services include:
•Annual physical
•Routine Pap test
•Routine mammogram
•Routine colonoscopy
•Immunizations
Talk with your doctor about what exams and screenings are right for you, based on your age and gender.
Plan coverage is based on preventive services as defined under the Affordable Care Act. You can find a full
list of these services at www.sprint.com/benefits.
Questions? Not sure where to start?
Call your Aetna Health Concierge at 1-800-798-0083.
No matter your question or need, start here. Your Aetna Health Concierge is the first person you should
speak with about benefits. He or she will help you put all the pieces together — benefits, services,
programs and tools.
•Get answers to questions about your medical plan.
•Ask about a claim.
•Request an Aetna member ID card.
•Learn about the free support programs, and more.
Whenever you need help navigating your health care, call Aetna at 1-800-798-0083, 8 a.m. to 10 p.m. ET.
Use this one toll-free number to reach all of the great resources available to you.
8
Access Plan information online
You can register and log in to your secure Aetna Navigator® website at www.aetna.com. You’ll have 24/7
access to information and tools, including:
•DocFind online directory of network doctors and other health care providers
•Ask Ann, your virtual assistant
•Claims details
•Member discounts
•Personal health record of office visits, prescriptions filled, and more
Take us with you
Aetna Mobile lets you take care of benefits business, find doctors, show your ID card and contact a Health
Concierge while on the go. Using your phone’s GPS, you can get directions to network providers, including
the closest urgent care centers and walk-in clinics.1
Talk to a doctor 24/7
With Teladoc®, you and your eligible dependents have 24/7/365 access to U.S. board-certified doctors by
phone or online video chat. Teladoc physicians can diagnose and prescribe treatment for routine,
non-emergency conditions, including the flu, ear infections, allergies, poison ivy, pink eye, urinary tract
infections and more.
24/7 nurse support
Call the Informed Health® Line for reliable answers, information and advice from registered nurses any time,
day or night.2
Get help for your chronic condition
Serious health concerns call for serious support. Aetna In Touch CareSM is here to answer that call. When
you’re facing a chronic or acute health challenge, our on-call and online support team provides answers and
care coordination when you need it most.
Free, confidential support program for medical events and life challenges
Unexpected medical events, chronic disease and life changes can be more than physical. When working to
recover, feelings of sadness, anxiety and stress can take a toll, keeping you from fully recovering and moving
forward to your best life. AbilTo dedicated teams can help you build life skills to speed recovery or transition
from serious medical events.
Standard text messaging and other rates from your wireless carrier may apply.
While only your doctor can diagnosis, prescribe or give medical advice, the Informed Health Line nurses can provide
information on more than 5,000 health topics. Contact your doctor first with any questions or concerns regarding your health
care needs.
1
2
This material is for informational purposes only. For self-funded plans, coverage is offered by your employer with administrative
services only provided by Aetna Life Insurance Company (Aetna). Health benefits and health insurance plans contain exclusions and
limitations. Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations
and conditions of coverage. Plan features and availability may vary by location and are subject to change. Providers are independent
contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee
access to health services.The Aetna Personal Health Record should not be used as the sole source of information about the member’s
medical history. Health information programs provide general health information and are not a substitute for diagnosis or treatment
by a dentist, physician or other health care professional. Information is believed to be accurate as of the production date; however,
it is subject to change. For more information about Aetna plans, refer to www.aetna.com.
FSC
CCG SPRINT-0002 (10/15) ©2015 Aetna Inc.