2023 Sandia Benefits Guide - Benefits My Way - hr.sandia.gov " 505-284-4700 - Human resources
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
2023 Sandia Benefits Guide Benefits My Way. hr.sandia.gov » 505-284-4700
Welcome
Welcome to Open Enrollment, your annual opportunity to make changes to your benefits so that
they continue to provide the coverage you and your family need. For 2023, Sandia has added
even more benefits to support your and your family’s health and well-being.
We understand that choice is important to you. And Use this guide and visit hr.sandia.gov to learn more
that you want benefits you can customize to meet about Sandia’s comprehensive benefits, and then make
your evolving needs. Sandia’s comprehensive suite your 2023 elections by Wednesday, Nov. 9, 6 p.m. MT.
of benefits checks both boxes. And all our plans are We encourage you to take action early to meet the
designed to meet the needs of Sandians and their deadline. If you need help or have technical difficulties,
families at all life stages. contact HR Solutions online or call 505-284-4700 as
soon as possible.
Please take the time to review all the programs Sandia
makes available to you. During Open Enrollment this
year, please confirm the plans you want for 2023—
whether you elect new options, stick with your current
plans, or choose to waive coverage. Be sure to check
out the expanded dental and vision coverage options
available for 2023.
hr.sandia.gov » 505-284-4700 » 2
Table of Contents
Who’s Eligible for Benefits..........................................................4 Voluntary Life and Accident Coverage....................................17
Dependent Eligibility.................................................................................. 4 Emotional and Mental Health Benefits................................. 18
Making Changes to Your Benefits.......................................................... 4 The Employee Assistance Program and Behavioral
How to Enroll................................................................................................. 4 Health Clinic................................................................................................. 18
Services Offered through Sandia Medical Plans........................... 18
Your Medical Plan Options........................................................... 5
Services Offered through Sandia’s Life and Family
Resources to Help You Choose Your 2023 Medical Plan............... 6 Care Services............................................................................................... 18
About the Health Savings Account (HSA)........................................... 7
Your Vacation—On Your Time.................................................... 19
About the Health Reimbursement Account (HRA) ......................... 8
Vacation Buy Program............................................................................. 19
Healthcare Flexible Spending Account.................................... 9 Vacation Sell Program............................................................................. 19
HSA, HRA, HCFSA: What’s the Difference?............................ 10 Making Your Vacation Buy or Sell Election....................................... 19
Prescription Drug Coverage....................................................... 11 NEW Sandia-Funded Lifestyle Spending Account..............20
Health Savings Plan................................................................................... 11 Spend $500 (from Sandia) for What’s Important to You.............20
Total Health PPO Plan............................................................................... 11
Sandia Extras................................................................................. 21
Prescription drug coverage comparison.......................................... 12
Voluntary Benefits Available Only during Open Enrollment..... 21
Your Dental Plan Options........................................................... 13 Voluntary Benefits Available Anytime...............................................22
What You Pay Depends on Your Provider’s Network................... 14
Life and Family Care Services...................................................23
Plan Overviews........................................................................................... 14
Wellthy Will Find the Resources You Need......................................23
Your Vision Plan Options.............................................................15 Bright Horizons: For Back-Up Care When You Need It.................24
Plan Overviews........................................................................................... 16
This guide highlights key features of Sandia’s medical and prescription drug benefits. The terms of your benefit plans are
governed by legal documents. If there are inconsistencies between information in this guide and the legal plan documents,
then the legal plan documents are the final authority.
hr.sandia.gov » 505-284-4700 » 3
Who’s Eligible for Benefits
Generally, Sandia benefits offered during Open Enrollment are available to all regular
employees,* year-round student interns, postdoctoral appointees, and limited-term employees.
You’ll find eligibility information for specific voluntary benefits on page 21.
Dependent Eligibility Making Changes to Your Benefits
When you enroll in benefits, you can also enroll these If you have a qualifying life event during the year
family members: (marriage, birth/adoption of a child, divorce, etc.), you
• Your spouse can make changes to your benefits in the middle of the
year. You’ll have 31 days after the life event occurs to
• Children up to age 26, including biological children, make changes. If you don’t make your changes by the
adopted children, children placed for adoption, 31-day deadline, you must wait until the next Open
legal guardianship, stepchildren, and children Enrollment period to make changes, and those elections
covered under a qualified medical child support won’t become effective until the next Jan. 1. Visit
order (note that Sandia automatically disenrolls hr.sandia.gov for details about dependent eligibility
children once they turn age 26) and when you can enroll and disenroll dependents.
• Disabled children aged 26 or older
Proof of dependent eligibility is required. Complete How to Enroll
eligibility requirements are in the NTESS Health
Benefits Plan for Active Employees Summary Plan You can enroll in or make changes to your benefits during
Description (SPD). Open Enrollment, from Oct. 19 through Nov. 9, 2022. To
enroll, visit hr.sandia.gov and choose HR Self Service.
All employees are responsible for determining whether
If you want to make your elections from home or your
their dependents meet the eligibility requirements to
mobile device, you’ll need a CryptoCard, HSPD-12, PIV-C,
enroll in Sandia benefits.
or mobile credential.
Visit mysandiaextras.com to enroll in Sandia Extras
and to view your options and premiums. You can also
call Corestream, the administrator for Sandia Extras, at
855-514-8800.
The elections you make during Open Enrollment are
effective from Jan. 1 through Dec. 31, 2023.
*Represented employees should refer to their collective bargaining
agreement to confirm benefit options.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 4
Your Medical Plan Options
You have two medical plans to choose from: the Health Savings Plan and the Total Health PPO
Plan. As you decide which plan is the right one for you, consider how the plans are alike and
how they differ.
Plan Feature Health Savings Plan (HSP) Total Health PPO Plan
Annual deductible Higher; includes medical and non- Lower; prescription drugs are not
preventive prescription drugs subject to the deductible
Annual out-of-pocket limit Higher; your medical and prescription Lower; your medical and prescription
drug costs accumulate together to drug costs accumulate separately to
meet the out-of-pocket limit. meet separate out-of-pocket limits.
Your monthly premiums Lower (by about 25%) Higher
Health Savings Account (HSA) Yes No
(See page 7)
Healthcare flexible spending No Yes
account (FSA)
(See page 9)
Health reimbursement account No Yes
(HRA)
(See page 8)
Covered services Both plans offer comprehensive medical and prescription drug coverage and
cover the same services, including in-network preventive care at no cost to you.
Plan administrators • UnitedHealthcare • UnitedHealthcare
When you enroll, you choose your • Blue Cross and Blue Shield of • Blue Cross and Blue Shield of
plan administrator. Be sure to check New Mexico New Mexico
out all the supplemental programs
and resources available through • Kaiser Permanente (California
each plan administrator to help residents only)
you live healthfully. To learn more,
visit the Get to Know Our Benefit
Providers page at hr.sandia.gov.
3 Provider network tiers • Tier 1: Not available to California residents; outside of New Mexico,
You pay less out of pocket when you Tier 1 providers are only available through UnitedHealthcare
use Tier 1 or Tier 2 providers. When • Tier 2: Available to all employees regardless of where they live
choosing your plan administrator,
check to see which tier includes • Tier 3: Out-of-network
your provider.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 5
Plan Feature Health Savings Plan (HSP) Total Health PPO Plan
In-network preventive care Covered at 100% Covered at 100%
Non-preventive care You pay 100% of expenses for non-preventive medical care until you meet the
annual deductible, after which the plan shares costs with you.
Once you reach the annual out-of-pocket limit, the plan pays 100% of your
eligible expenses for the rest of the year.
Offers an opportunity to earn Yes Yes
money from Sandia to help pay
for your healthcare
Onsite Employee Health You pay fair-market value for $0 for all services
Services clinic personal healthcare services until
you reach the deductible, then
services are covered 100% for the
year; preventive services $0
Resources to Help You Choose Your 2023 Medical Plan
• For a more in-depth comparison of how the plans stack up against each other, review the
Medical Plan Comparison Chart (pdf).
• Medical Plan Comparison Tool (ebi.sandia.gov > Human Resources > Benefits > Medical Plan Comparison Tool)
• Learn how the Health Savings Plan works at hr.sandia.gov.
• Learn how the Total Health PPO works at hr.sandia.gov.
• To see what you’ll pay for medical coverage, review the Monthly Premiums for 2023 (pdf).
• Health Savings Plan video
• Your Medical Plan Options video
Medical Plan Comparison Tool
As you weigh your medical plan options for 2023,
think about whether you have any upcoming, planned
procedures, and your prescription drug needs. Then,
access the Medical Plan Comparison Tool at
ebi.sandia.gov > Human Resources > Benefits >
Medical Plan Comparison Tool. Enter information
about your situation as prompted. This easy-to-use
tool will estimate your out-of-pocket expenses under
both medical plan options.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 6
About the Health Savings Account (HSA)
This unique savings account comes with the Health Savings Plan. It’s earmarked for healthcare
expenses, and you and Sandia contribute to it with pretax* dollars.
You can use the money in your HSA — including Sandia’s contributions — to cover current eligible healthcare
expenses, like your annual deductible, copays, coinsurance, dental and vision care expenses, many over-the-counter
drugs, and healthcare supplies. Or you can let the balance grow.
The money will be there for you to use next year, in three years, and decades from now. That’s because the HSA is
yours forever, even if you change plans, change jobs, leave Sandia, or retire. Your entire unused balance rolls over
from year to year, earning interest along the way. And for even greater growth potential, you can invest part of the
balance once it reaches $1,100.
Funding Your HSA
Contributing to your HSA works to your advantage, because the more you contribute, the more Sandia
does too.
But annual limits, set by the IRS, apply. In 2023, your contributions—combined with Sandia’s—can’t exceed
$3,850 if you cover yourself only, or $7,750 if you cover yourself and family members. You can add an
additional $1,000 if you’re age 55 or older.
As you decide how much to contribute, make sure your contributions, plus Sandia’s, do not exceed the
maximum allowed by the IRS. Optum Bank’s Health Savings Account Calculators can help you with the math!
Tip: Since you’re paying lower monthly premiums for the Health Savings Plan, start with that
difference, and then add even more pretax* dollars directly from your paycheck.
In return, here’s what you’ll get from Sandia:
Sandia HSA Sandia matches your contributions at 66 %, which means that when you
matching contribute $100, your contribution earns you $66.67 from Sandia.
contribution When you contribute more, you get more from Sandia, up to these annual maximums:
• If you cover yourself only: To get the $600 maximum match from Sandia,
contribute at least $900 a year.
• If you cover yourself and family members: To get the $1,000 maximum
match from Sandia, contribute at least $1,500 a year. ast $1,500 a year.
Incentives for To earn more money for your HSA, complete all your healthy activities (including
completing your health assessment, a Health Action Plan, and Virgin Pulse activities). To see
healthy activities what you can earn, visit hr.sandia.gov.
The incentives you earn in 2022 will go into your HSA in January 2023.
*California and New Jersey treat HSA contributions as taxable income for state income purposes.
Learn more about the HSA at hr.sandia.gov.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 7
About the Health Reimbursement Account (HRA)
The Total Health PPO Plan is paired with a health reimbursement account (HRA) to help you pay
for eligible medical, prescription drug, dental, and vision expenses—including your deductible
and your share of coinsurance.
You earn tax-free HRA funding by completing your If you leave Sandia, you cannot take your HRA funds
health assessment, Health Action Plan, and Virgin Pulse with you (unless you’re a qualified retiree under age
activities. You cannot contribute to your HRA; only 65 or you decide to continue your coverage through
Sandia can. Sandia will deposit the incentives you earn COBRA). If you waive Sandia medical coverage, you’ll
during 2022 into your HRA in January 2023, if you elect forfeit your HRA funds.
the Total Health PPO Plan. Your HRA balance may not
be available for you to use until the end of January. Learn more about the HRA at hr.sandia.gov.
A maximum allowed balance applies with the HRA.
It’s based on your plan coverage level (employee
only, employee + spouse, employee + child(ren), or
employee + spouse and child(ren)). Once you reach this
maximum, you need to use some of your HRA funds
before you can earn more. If a balance remains at year-
end, your funds carry over for use in the next year (up
to the maximum amounts).
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 8
Healthcare Flexible Spending Account
If you choose the Total Health PPO Plan or you waive Sandia medical coverage, you have
one more way to set aside money for your healthcare expenses: Sandia’s healthcare flexible
spending account (HCFSA). You make this election during Open Enrollment each year.
Sandia deducts your contributions from your paycheck before taxes are withheld, which reduces your taxable
income. You can use your HCFSA to pay for eligible healthcare expenses.
The IRS limits how much you can contribute annually to your HCFSA. The IRS contribution limit for 2022 is $2,850. If
you set your contributions at the 2022 maximum deferral for 2023, Sandia will offer you the opportunity to increase
your contribution once the 2023 limits are announced. Remember, you need to use your HCFSA funds during the
year. So plan carefully because you’ll forfeit any unused balance over $570 on January 1.
Your HCFSA is not portable; if you leave Sandia or retire, you’ll lose the funds in your account, unless you decide to
continue medical coverage through COBRA.
Learn more about the HCFSA at hr.sandia.gov.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 9
HSA, HRA, HCFSA: What’s the Difference?
Sandia offers three healthcare accounts that help employees pay for qualified healthcare
expenses. The table below offers an overview.
General Purpose
Health Savings Health Reimbursement Healthcare Flexible
Account Feature
Account (HSA) Account (HRA) Spending Account
(HCFSA)
Who’s eligible? Health Savings Plan Total Health PPO Plan Offered to Total Health
participants—with a few participants PPO Plan participants and
caveats; check the fine employees who waive
print at hr.sandia.gov to medical coverage; Health
confirm your eligibility to Savings Plan participants
participate in the Health cannot have a general
Savings Account purpose HCFSA
Sandia contributes to
the account.
You contribute to
the account.
You can invest the money
in the account.
Paying for eligible
healthcare expenses from
your account is tax-free.
Your balance at year-end
can carry over for use in the
next year. Up to certain limits Up to $570
You can take your account * **
with you if you leave Sandia.
Who’s the account Optum Bank manages Based on your medical plan Based on your medical plan
administrator? the HSA for both BCBSNM BCBSNM: BCBSNM:
and UHC participants BenefitWallet BenefitWallet
UHC: UnitedHealthcare UHC: UnitedHealthcare
Kaiser: Kaiser Permanente Kaiser: Kaiser Permanente
Waive medical: PayFlex
*If you leave Sandia, you can take your HRA funds with you only if you’re a qualified retiree under age 65 or you decide to continue your coverage through COBRA.
**If you leave Sandia, you may be able to use your remaining HCFSA funds if you decide to continue your coverage through COBRA.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 10Prescription Drug Coverage
Prescription drug coverage is included with both the Health Savings Plan and the Total Health
PPO Plan. As you compare the plans to decide which is right for you, you’ll want to note a few
key points about prescription drug coverage.
Health Savings Plan Total Health PPO Plan
• The Health Savings Plan includes enhanced coverage • Prescription drugs are not subject to the annual
for many generic preventive medications. You’ll deductible. Cost sharing begins immediately and
pay $0 for drugs included on the Express Scripts applies until you meet the out-of-pocket limit.
Consumer Directed Healthcare (CDH) Preventive • You need to meet separate out-of-pocket limits
Medications—Standard Plus drug list. for prescription drugs and non-preventive
• Until you meet the annual deductible, you pay medical services.
the full cost for non-preventive prescription
drugs. Under this plan, your medical and For a detailed comparison of prescription drug
prescription drug costs combine and accumulate coverage under both plans, review the
toward one annual deductible. 2023 Sandia Medical Plan Comparison Chart (pdf).
• Once you meet the annual deductible, cost sharing
applies until you meet the out-of-pocket limit. Filling Your Prescriptions
• Your medical and prescription drug costs combine You can get short-term prescriptions (30 days or less)
and accumulate toward one out-of-pocket limit. at a network pharmacy. To get medications you take
regularly, you must use Express Scripts mail order,
through Smart90 at Walgreens retail pharmacies, or
Kaiser mail order (Kaiser participants only).
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 11Prescription drug coverage comparison
Health Savings Plan Total Health PPO Plan
Your In-Network Annual You pay the full cost for medication until No deductible applies
Deductible you meet the plan’s annual deductible.
Your In-Network Annual Combined with medical Separate limits apply for medical and
Out-of-Pocket Limit prescription drugs
See comparison chart
Your Costs—Retail In-Network Pharmacy (up to 30-day supply)
Generic/specialty generic $0 for drugs on an expanded list of $0 for many medications, or you pay 20%
preventive medications ($5 min / $10 max)
For other generic drugs, you pay 20%
after deductible
($5 min / $10 max)
Preferred brand/ You pay 30% after deductible You pay 30%
specialty preferred brand ($30 min / $45 max) ($30 min / $45 max)
Non-preferred brand/ You pay 40% after meeting the deductible You pay 40%
specialty non-preferred ($50 min / $75 max) ($50 min / $75 max)
brand
Your costs through Express Scripts Mail Order and through Smart90 at Walgreens (90-day supply), Accredo Specialty Home
Delivery (most limited to 30-day supply), and Kaiser Mail Order (100-day supply)
Generic $0 for drugs on an expanded list of $0 for many medications, or you pay 20%
preventive medications ($12.50 min / $25 max)
For other generic drugs, you pay 20% after
meeting the deductible
($12.50 min / $25 max)
Preferred brand/specialty You pay 30% after meeting the deductible You pay 30%
preferred brand ($75 min / $112.50 max) ($75 min / $112.50 max)
Non-preferred brand/ You pay 40% after meeting the deductible You pay 40%
specialty non-preferred ($125 min / $187.50 max) ($125 min / $187.50 max)
brand
Know What You’ll Pay for Prescriptions
To estimate what you’ll pay out of pocket for specific prescription
medications before you meet the annual deductible under both
medical plan options, you can visit ExpressScripts.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 12Your Dental Plan Options
New for 2023, you have three dental plans to choose from:
• The Value Plan—offers lowest maximum benefit, with 70% coverage at the highest level.
• The Standard Plan—most closely resembles the current dental plan, with a maximum
benefit that’s higher than the Value Plan and 80% coverage at the highest level.
• The Plus Plan—offers the highest maximum benefit, with 90% coverage at the highest
level. You must remain in this plan for at least two consecutive years.
And as with our medical and vision plans, your dental premiums will be based on the dependents you cover. To see
what you’ll pay for coverage, review the Monthly Premiums for 2023 (pdf).
You do not have to enroll in medical coverage to elect dental coverage.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 13What You Pay Depends on Your Provider’s Network
Delta Dental of New Mexico administers all the plans and gives you a choice of
providers and networks:
Pro tip:
Delta Dental PPO Preferred. Dentists in this smaller network charge the least for The PPO network
covered services, so your portion of the costs is lower. provides the highest
level of benefits at the
Delta Dental Premier. This is a larger network, and providers charge more for lowest cost.
their services. But you are not responsible for any amounts over the Delta Dental
maximum approved fee.
Out-of-network. You can use any provider; however, out-of-network dentists
do not discount their fees, and you will be responsible for any amounts over the
Delta Dental maximum approved fee.
Plan Overviews
All the plans cover the services below; what you pay for services depends on the plan you choose and the network
your provider belongs to.
• Diagnostic and preventive care (such as routine cleanings and exams)
• Basic and restorative services (such as filings, root canals, and extractions)
• Major services (such as crowns, bridges, and implants)
All plans cover diagnostic and preventive care at no cost to you when you use Preferred or Premier providers. For
basic and major services, you’ll pay a deductible before the plan begins to share costs.
Only the Standard and Plus plans cover orthodontia; the deductible does not apply to orthodontics.
Value Plan Standard Plan Plus Plan1
Monthly premium $ $$ $$$
Out-of-pocket costs $$$ $$ $
Annual maximum $ $$ $$$
benefit
Orthodontia coverage No $1,800 $3,000 max
If you elect the Plus Plan, you must remain in the plan for at least two-consecutive years.
1
To compare coverage and what you’ll pay for services under the three plans, review the Dental Plan Comparison
Chart (pdf).
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 14Your Vision Plan Options
New for 2023, you have three vision plans to choose from, all administered by Davis Vision:
• The Value Plan—offers higher copays and lower allowances for services and materials
• The Standard Plan—most closely resembles the current vision plan, enhanced with a laser
surgery allowance
• The Plus Plan—offers the lowest copays and higher allowances for services and materials
And as with our medical and dental plans, your vision premiums will be based on the dependents you cover. To see
what you’ll pay for coverage, review the Monthly Premiums for 2023 (pdf).
You do not have to enroll in medical coverage to elect vision coverage.
Your vision benefits go further when you use in-network providers
No matter which vision plan you select, your benefits will go further, and you will pay
less, when you use a Davis in-network provider.
All three plans offer the same out-of-network benefits coverage.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 15Plan Overviews
The vision plans cover the same basic services, including:
• An eye exam every calendar year
• Single-vision, bifocal, trifocal, and lenticular lenses, or contact lenses every calendar year
• Eyeglass frames every year or every other year, depending on the plan you choose1
The benefit frequency, your copayment, and your allowance for eyewear vary by plan. Only the Standard and Plus
plans offer a laser eye surgery allowance.
Value Plan Standard Plan Plus Plan1
Monthly premium $ $$ $$$
Out-of-pocket costs $$$ $$ $
Eyewear allowance $ $$ $$$
Laser benefit Discount Only $500 $800
The exam, frame, and lenses benefit resets every Jan. 1.
1
To compare coverage and what you’ll pay for services under the three plans, review the Vision Plan Comparison
Chart (pdf).
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 16Voluntary Life and Accident Coverage
If you’re eligible for voluntary life and accident coverage, you can seek to increase or
decrease voluntary life coverage for yourself or your dependents at any time. Evidence
of insurability (EOI)—proof you are in good health—will be required when you make
the request. You can also seek to increase or decrease voluntary accident coverage for
yourself at any time without EOI.
Coverage is not guaranteed for either type of coverage; MetLife will contact you about your application.
Learn more about the voluntary life and voluntary accident insurance options available to you year-round
at mybenefit.metlife.com.
Are Your Beneficiaries Current?
During Open Enrollment, review your beneficiaries
for all your financial benefits, including Sandia-
provided life insurance, your 401(k) plan, and your
voluntary plans elected through MetLife or Sandia
Extras. Contact your plan providers directly if you
need help.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 17Emotional and Mental Health Benefits
Just as you take care of your physical health, it’s also important to take care of your emotional
well-being. That’s why Sandia provides several resources to help you and your family deal with
the ups and downs that are a part of life, whether they’re work-related, personal, or family issues.
The Employee Assistance Services Offered through
Program and Behavioral Sandia’s Life and Family
Health Clinic Care Services
Sandia’s onsite behavioral health employee assistance For access to care and support resources to help you
program (EAP) provides confidential support for or your loved one deal with emotional issues, including
concerns including anxiety, depression, grief, marital depression and addiction, contact Wellthy. You’ll be
issues, substance use, and workplace matters. To get paired with a care coordinator, who will guide you
started, contact your local behavioral health clinic. through a care plan, advocate for you, moderate any
You’ll connect with a health professional who can tricky conversations, and find you the care you need.
provide short-term counseling, community referrals, To contact Wellthy, call 877-588-3917. Learn more at
stress management techniques, and education on a wellthy.com/sandia.
range of behavioral health topics.
Services Offered through
Sandia Medical Plans
When you’re enrolled in a Sandia medical plan, you and
your family members have 24/7/365 access to your
plan’s behavioral health services and benefits through
the external EAP. Since the number of sessions offered
and the cost varies according to your plan, contact your
plan to learn more about your external EAP benefit and
in-network providers near you.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 18Your Vacation—On Your Time
Sandia’s vacation buy and sell programs offer you the flexibility to use your vacation hours
on your terms. During Open Enrollment, you can buy extra hours for that big getaway you’re
planning next year; conversely, if you’d rather have extra cash, you can sell vacation hours if
you’re not planning to use them next year.
Vacation Buy Program Making Your Vacation Buy or
Eligible employees can choose to buy up to 80 hours of Sell Election
additional vacation time during Open Enrollment. If you
decide to buy vacation, you’ll pay with pretax dollars, Participation in vacation buy or sell is optional, and
taken in equal increments from your paycheck. you make your election through HR Self Service during
Open Enrollment for the following year.
Vacation Sell Program You can only elect to buy OR sell vacation; you cannot
elect both. And you cannot change your decision
Eligible non-represented employees can trade vacation in the middle of the year, even if you experience a
hours for cash. If you don’t plan to use all your vacation qualifying event.
time next year and would prefer to have extra cash
on hand, you can sell 40 hours of 2023 vacation time
(20 hours for part-time employees). In exchange, you’ll
receive a lump-sum payment in May. The vacation time
you sell is taxed as ordinary income.
Because Life Happens
In addition to vacation, you can use many other types
of time off benefits to take care of life and personal
needs. See all your options at hr.sandia.gov.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 19NEW Sandia-Funded Lifestyle
Spending Account
With this new account, non-represented benefits-eligible Sandians will be automatically
enrolled1 to receive up to $500 in reimbursement each year for what you spend on
various lifestyle services and programs. You do not need to make an active election for
this benefit during Open Enrollment.
Spend $500 (from Sandia) for What’s Important to You
Sandia’s new lifestyle account supports many of the most valuable program ideas identified by Sandians in
the 2020 Benefits Preference Survey. Here’s a complete list of covered expenses.
If you are a represented employee, refer to your collective bargaining agreement to verify your benefit options.
1
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 20Sandia Extras
Sandia offers a variety of voluntary benefits that provide added financial protection, make life
easier, and can save you money. Some of these extras are available year-round; others are
available only during Open Enrollment.
Voluntary Benefits Available Hospital Indemnity Insurance Benefit
This hospital care benefit pays you cash to cover
Only during Open Enrollment expenses resulting from a stay at the hospital. If
If you or a family member is hospitalized, injured you elect this coverage and you have a planned or
or becomes critically ill, you’re likely to be hit with unplanned hospital visit, you’ll receive a direct cash
unplanned expenses. Hospital indemnity, accident, and payment from MetLife. (Tip: You may want to consider
critical illness insurance benefits can help with those this plan if you’ll be hospitalized to deliver a baby or
unexpected expenses. During Open Enrollment you can have a planned surgery scheduled for next year.)
purchase this additional coverage through the Sandia You can use the cash to pay any type of expense,
Extras Voluntary Benefit program. including your share of the deductible and coinsurance,
You’ll pay for this coverage through after-tax paycheck the dog-sitter caring for your pet during your hospital
deductions when you enroll through Sandia Extras. If stay, and reimbursing yourself for your partner’s hotel
you leave Sandia, you can arrange to be billed directly, stay during your surgery.
so you can take your coverage with you. Benefits are You’ll need to elect coverage during Open Enrollment;
not available for conditions that occurred before the this benefit will not be available again until Open
coverage effective date. Pre-existing conditions could Enrollment next year.
limit your eligibility for some programs. Refer to specific
plan details for more information.
Accident Insurance
The Sandia Extras Voluntary Benefit program is offered The plans cover a wide variety of accidental injuries and
to all benefits-eligible employees (MTC-represented provide a lump-sum payment directly to you and your
employees are not eligible for short-term disability dependents. You can use the benefit to pay out-of-
benefits). Here’s some of the benefits Sandia Extras has pocket medical expenses, or any other costs you may
to offer: have, including household expenses. MetLife offers a
• Hospital indemnity insurance choice of plans to fit your specific needs and budget.
• Accident insurance
• Critical illness insurance
• Short-term disability insurance (not offered to
MTC-represented employees)
• Legal services
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 21Critical Illness Insurance Voluntary Benefits Available
The plans provide a lump-sum benefit in the event you
or a family member is diagnosed with any of 35 critical
Anytime
illnesses, including heart attack, stroke, and many Learn more about the voluntary benefits that you can
cancers. Recurrences are also covered. enroll in year-round at mysandiaextras.com or by
calling 855-514-8800. They include:
The hospital indemnity, accident, and critical illness
insurance plans include an extra $50 benefit if you • 529 Education Plan to help you set aside money for
complete eligible health screenings or take physician- college education
recommended preventive measures.
• Home Find It/Fund It program—for help with finding
a rental home or buying your forever home
Short-term Disability Insurance
• Home, auto, and pet insurance
Short-term disability insurance provides financial
protection if you suffer an injury or sickness that • Identity theft protection
prevents you from working by helping to replace • Employee discounts on travel, entertainment,
your lost income and ensuring your finances are not mobile phone service, electronics, and more
depleted. You choose the monthly maximum benefit
level that meets your needs. Premiums are conveniently
deducted from your paycheck.
Ready to Enroll in Sandia Extras?
Legal Services Visit mysandiaextras.com or call Corestream at
855-514-8800.
These benefits provide access to a nationwide network
of experienced attorneys to help you navigate personal
legal matters, such as wills, traffic tickets, and more.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 22Life and Family Care Services
When life gets hard to manage on your own, Sandia’s life and family care resources can help
you navigate the rough patches and take care of the people you love—including yourself.
To support you through many of life’s changes and
challenges, we’ve partnered with two companies
Wellthy Will Find the Resources
that specialize in addressing family life needs: You Need
Wellthy and Bright Horizons. They can help in the
following situations: For resources to help with long-term childcare or
eldercare, special-needs support, veteran support,
• Parents with short-term and/or long-term
addiction or emotional health issues, support dealing
childcare needs
with a difficult medical diagnosis, or support managing
• Individuals with, or who have a loved one with, financial issues, contact Wellthy. To get started, visit
special needs wellthy.com/sandia.
• Adults caring for aging loved ones
• Veterans adjusting to civilian life and a corporate What You Pay
career, who may also be dealing with PTSD. (This can You’ll pay nothing to work with Wellthy, but you will pay
also apply to employees with family members who for the care resources they find for you. Learn more at
are veterans and may be navigating VA benefits.) wellthy.com/sandia. If you have questions, call Wellthy
• Individuals struggling with addiction or emotional at 877-588-3917.
health issues (or people caring for someone who is)
• Individuals dealing with a difficult medical diagnosis
of their own or someone they love
• Individuals managing care- or medical-related
financial hardship
Need urgent or back-up care for your
child, aging parent, sibling, or spouse?
Contact Bright Horizons. For everything else,
contact Wellthy.
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 23Bright Horizons: For Back-Up Care
When You Need It
When your regular caregiver is away, or you just need an extra hand to
juggle work and family responsibilities, Bright Horizons can help. With your
Bright Horizons benefit, you have access to:
• Back-up childcare in high-quality centers or your
own home
• In-home back-up care for adult and elder loved ones, even if they live in
another state
• Easy booking online or through the Bright Horizons app, when you need
it, and up to 60 days in advance
For urgent childcare or eldercare needs, call Bright Horizons 877-242-2737,
visit them online, or download the app from the App Store or Google Play.
What You Pay
You can use Bright Horizons back-up care up to five days a year at the
following discounted rates:
• $12 per hour for in-home care (4-hour minimum)inimum)
• $30 per day at a Bright Horizons center (per child, up to a maximum
copay of $50 per family)
Register Now So You’re Ready to Go
When You Need Services
Even if you don’t need support now, register
with Wellthy and Bright Horizons today so you’ll
be able to get help quickly and easily if and
when you need it.
Sandia National Laboratories is a multimission laboratory managed and operated by National
Technology & Engineering Solutions of Sandia, LLC, a wholly owned subsidiary of Honeywell
International Inc., for the U.S. Department of Energy’s National Nuclear Security Administration
under contract DE-NA0003525. SAND2022-13221 O
« Return to Table of Contents hr.sandia.gov » 505-284-4700 » 24You can also read
