Sharp Health Plan offers you health benefits through a managed care program, or Health Maintenance Organization (HMO), which helps protect you and your family from high medical costs and the financial burden that could accompany a serious illness or injury.

You may choose coverage between two Health Maintenance Organization (HMO) options provided through Sharp Health Plan: Basic HMO or Premium HMO option.

Refer to your 2023 Benefit Guide for more information.

• Basic HMO SBC
• Basic HMO Summary 
• Premium HMO SBC
• Premium HMO Summary
• 2023 Summary of Benefits

Administered by Metlife

Good dental care is an important part of your overall good health. One of the most important things you can do is to receive regular dental treatment. SharpChoice offers you and your family two dental plan options that help pay for a broad range of dental services.

• Basic PPO Dental 
• Premium PPO Dental 

The differences between the two options are the yearly benefit maximum and orthodontia coverage.

Refer to your 2021 Benefit Guide for more information.

When you enroll for medical coverage, you are also automatically enrolled for comprehensive vision benefits through Vision Service Plan (VSP). VSP offers low copayments with no claim forms when you use providers from the VSP Signature Network. You also have the option to use non-network providers but you must file a claim for benefits within six months after completion of services.

Click here to locate an in-network provider.

Refer to your 2021 Benefit Guide for more information.

The Employee Assistance Program (EAP) is a free service provided by Sharp HealthCare to all employees. The EAP provides professional and confidential, short-term, problem-focused counseling.

A broad range of issues and concerns are dealt with including but not limited to:

• Work issues
• Individual problems
• Family life
• Couples and marital issues
• Substance use and abuse
• Life changes

Refer to your 2021 Benefit Guide for more information.

Sharp HealthCare is pleased to provide you with the opportunity to participate in two Flexible Spending Accounts (FSAs):

• Health Care Expenses
• Dependent Day Care Expenses

These accounts do not provide you with any additional medical, dental or vision coverage, they simply provide you with a means of paying for certain health and dependent day care expenses with pre-tax dollars. The advantage of paying expenses on a pre-tax basis is that you will have more spendable income and you pay less in taxes, so you save money.

Refer to your 2021 Benefit Guide for more information.

Although we do not like to think about it, should death occur, the survivors left behind could face serious financial hardship. You or your family might need an alternative source of income to pay off bills and meet ongoing financial requirements. Should you or a member of your family die – your legal spouse/certified domestic partner or child, for example – the loss can cause unexpected expenses. This is the purpose of life insurance, to provide funds for those left behind.

Basic Life and AD&D Insurance

Basic Life and AD&D Insurance is provided at no cost. You may also elect Supplemental Life and Supplemental Accidental Death & Dismemberment (AD&D) insurance. Refer to your 2021 Benefit Guide for information on your Basic Life and AD&D Insurance options. 

Optional Life and AD&D Insurance

Optional Life and AD&D insurance is available for you to purchase. You may also purchase optional life insurance for your spouse and eligible dependents if you purchase supplemental life insurance on yourself.

During this enrollment period only, you can enroll without answering medical questions!

Refer to your 2021 Benefit Guide for more information.

Administered by Cabrillo 

Cabrillo Credit Union provides expert banking services in San Diego including Home Equity Lines of Credit, Auto Loans, Checking Accounts & Credit Cards.

National University is proud to partner with Sharp Healthcare as a preferred partner to bring a 25% tuition reduction scholarship to employees looking to expand their knowledge and skills for professional and personal growth. In addition, Sharp Healthcare and National University are extending a 10% tuition reduction scholarship to spouses, domestic partners, and dependents of Sharp Healthcare employees. The Sharp Healthcare Tuition Reduction Scholarship is a great benefit for working adults who want to reach specific educational goals, but find it challenging to fit classes into their busy life. A tuition reduction scholarship can be applied to bachelor’s and master’s degree programs. Please speak to an advisor for details! And click here to learn more about the new scholarship program. 

Join us on a virtual information session to learn how to be more efficient while working and/or studying remotely and learn more about different types of scholarships NU offers. We have different dates available, sign up here.

Click here to learn more. 

Continue your educational journey TODAY and invest in yourself and your career goals!

• You may be eligible for tuition savings through your employer benefits.
• Your employer may help pay for you to go back to school.
• Combined with University of Phoenix tuition benefits, you could save big on your education.
• Start class when you’re ready.
• Learn on your schedule, with classes starting every 5 weeks and up to 20 opportunities a year to continue your education.
• Graduate faster and for less.
• Have your on-the-job training, workplace certifications, military service and life experiences, and prior education evaluated for
  potential college credit at no cost to you.

To learn more, visit: phoenix.edu/sharphealthcare

Kashable offers a responsible financial safety
net during times of need and a reliable tool to
pay down expensive debt.

Kashable can also help with expenses like:

• Medical Bills 
• Auto Repairs 
• Family Expenses
• Veterinary Bills

What is the Sharp Discount Program?
Your Sharp Discount Program, PerkSpot, is a one-stop-shop for thousands of exclusive discounts in more than25 different categories. That means there’s something for everyone!

PerkSpot offers over 30,000 exclusive national and local discounts on things like travel, gyms, cell phones, restaurants, auto, and electronics. You can access PerkSpot at work, home, or on the go. Start by signing up or logging in at sharp.perkspot.com.

Accidents can result in both a physical and a financial cost. Sharp’s new Group Accident Insurance Plan can provide a benefit if you experience one of many different accidents including but not limited to fractures, dislocations, burns, or lacerations. This new benefit is available in addition to Sharp’s existing Group AD&D and Personal Accident Insurance Plans.

• Benefits are payable as a lump-sum directly to the employee to use as necessary
• Portable coverage if your employment changes
• No coordination with other insurance benefits

Long-Term Disability

The purpose of Long Term Disability (LTD) benefits is to provide income replacement when you are unable to work due to disability caused by a covered illness or injury that extends beyond six months. Sharp HealthCare automatically provides full-time and part-time active employees assigned and working 40 or more hours per pay period with basic LTD coverage equal to 60% of your covered base earnings up to the monthly policy maximum.

Refer to your 2021 Benefit Guide for more information.

Administered by MetLife

Surviving a critical illness often results in unexpected expenses or even loss of income. Critical Illness Insurance can provide you with a lump sum benefit if you or a dependent experience one of the Critical Illnesses covered by this plan, helping to ensure the financial security of your household. If you are enrolled in Sharp’s current Critical Illness Insurance plan, you have the option to remain with your given coverage or to switch your enrollment to this new, enhanced version of the benefit. First-time enrollees will select from the new 2023 options.

Highlights of the enhanced plan include:

• Additional coverage levels from which to choose: $10,000 (existing), $20,000 (new), $30,000 (new)
• Increased recurrence benefit for conditions that occur more than once
• No pre-existing condition limitations or exclusions
• Additional health screening reward payments (for routine physical, dental or eye exam, Covid test, Covid immunization)
• Added covered conditions paid at 25% of certificate including Covid-19, Occupational Hepatitis and Occupational HIV

Administered by MetLife

Even with comprehensive medical insurance in place, you may experience out-of-pocket expenses associated with a hospital admission and treatment. With the new MetLife Hospital Indemnity Insurance Plan, you can supplement your existing medical coverage and receive financial support to pay for out-of-pocket costs such as co-payments, non-covered services, and miscellaneous incidentals that might occur with a hospital stay.

Benefits are payable as a lump-sum directly to the employee to use as necessary

• Portable coverage if your employment changes
• No coordination with other insurance benefits
• High and Low options with dependent coverage available
• Cover yourself or yourself and eligible dependents
• See plan description on SharpNet for complete benefit details

Administered by MetLife

You are eligible to enroll in the Group Legal Plan if you are a regular full-time or part-time employee, assigned and working 40 or more hours per pay period. The Group Legal Plan provides you, your legal spouse/certified domestic partner, and your eligible children under age 26, a full menu of legal services, access to a network of qualified attorneys, and representation of covered services.

Refer to your 2021 Benefit Guide for more information.

Beginning October 1, the Nationwide Pet Insurance Plan was replaced with two exciting new options from MetLife and Petco Pet Insurance. These plans offer increased flexibility and can help you provide the very best care for your four-legged family
members.

MetLife Pet Insurance

• Visit a licensed veterinarian of your choice and easily submit claims for reimbursement of services
• Covers accidents, illnesses, exams, surgeries, hospital stays, diagnostic services, medications and more
• Coverage for dogs and cats of all ages and breeds
• Options for various coverage levels
• Policies are priced individually according to pet type (dog or cat), age, gender, breed and location (zip code) of pet
• Convenience of payroll deduction for premium payments

Enroll by contacting MetLife ® at 1-800-438-6388 or at www.metlife.com/mybenefits.

Petco Pet Insurance and Wellness Plans

• Options for both Pet Insurance and Wellness (Preventive Care) Plans
• Visit a licensed veterinarian of your choice and easily submit claims for reimbursement of services
• Pet Insurance Plan covers accidents, illnesses, exams, surgeries, hospital stays, diagnostic services, medications and more
• Wellness Plan covers vet checkups, microchipping, and a variety of routine tests to keep your furry family member healthy
• Options for various coverage levels with customized pricing
• 24/7 Ask-a-Vet Consultations
• Pet health concierge for advice on topics like nutrition, training and new pet parenthood
• Discounts on Petco products and services including grooming and dog training
• Direct bill plan charged monthly

Visit https://petcopetwellness.com/sharp to enroll

As a Sharp employee, you have access to several childcare benefits. 

Care.com
Life happens. School closures. Sick nannies. Aging parents who need help. Pets who could use some mid-day love. Now you have the help! Enroll today to access your family care benefits:

• Care.com Membership
• Child Backup Care
• Adult Backup Care
• Pet Care
• Tuition Discount

Dependent Care FSA (DCFSA)
Allows you to set aside pre-tax money from every paycheck to help pay for dependent care expenses such as:

• Daycare, nursery school, and preschool
• Summer day camp
• Before or after school programs
• Virtual day camps and childcare.

See the below FSA section to learn more about DCFSA.

The purpose of this training is to provide awareness of common workplace hazards and how to report and mitigate those hazards.

Sharp Best Health is Sharp HealthCare’s employee wellness program. Sharp believes in taking care of its caregivers, and creating opportunities for health and wellness is connected to quality of life, professional satisfaction, patient care, and the Sharp Experience. As such, Sharp provides a wide variety of resources, opportunities and strategies to support each employee at Sharp as they navigate their unique journey to wellness. Areas of focus include:

• Stress Management and Mindfulness

• Physical Wellness and Activity

• Healthy Eating

• Sleep Health

• Nutrition