Last updated on June 18th, 2025 at 07:24 pm
At Sunrise Services, we care deeply about our employees’ health and strive to be a great place to work. That’s why we offer a range of health insurance benefits and plans (along with dental and vision plans) that allow you and your family to get the care you need.
These are the health insurance options we provide to Sunrise Services full-time employees in 2025. UMR is our insurance carrier. Please note that ARNPs fall under our sister company, SPPS, and have a different set of insurance options under Kaiser.
Your Health Insurance Benefits & Options With Sunrise
We offer medical and prescription drug plan coverage with UMR, a subsidiary of UnitedHealthcare. In most cases, your family members will be eligible for coverage. However, if your spouse is eligible for health coverage under their employer, they will not be eligible to enroll in your plan.
You can choose any of the following:
Bronze plan
For 2025, the bronze plan gives you:
- A $5,000 deductible for in-network medical services (or $10,000 if you add dependents to your plan), with a $0 deductible for prescription drugs.
- A $7,150 out-of-pocket maximum for in-network medical services and prescription drugs (or $14,300 if you add dependents to your plan).
- 30% coinsurance for in-network care.
- Free in-network preventative care.
- $40 copay for in-network office visits and specialists.
- $40 copay, then 30% for in-network telemedicine.
- Teladoc services 100% paid by the plan.
- 30% coverage for in-network inpatient hospital services.
- $40 copay, then 30% for in-network outpatient hospital services.
- $40 copay, then 30% for in-network urgent care.
- $200 copay, then 30% for emergency room services.
- Retail pharmacy (up to 30-day supply): $25 copay for preferred generics, $50 copay for preferred brand and preferred specialty, and $75 copay for non-preferred brand and specialty prescription drugs.
- Retail order and mail order (up to 60-day supply): $50 copay for generics, $100 copay for preferred brands, and $150 copay for non-preferred brands.
We can cover you (the employee) on the bronze plan for $24.10 out of each biweekly paycheck. If you choose coverage for yourself and your spouse, it will be $233.95. If you are covering yourself and a child or children, it will be $208.82. For a full family, it will be $495.27.
Please note that the bronze plan only covers out-of-network services for emergencies and that copays do not accumulate toward the bronze deductible.
Silver plan
For 2025, the silver plan gives you:
- A $4,500 deductible for in-network medical care and prescriptions and $9,000 for out-of-network (or $7,500 in-network and $15,000 out-of-network if you add dependents to your plan).
- A $6,750 out-of-pocket maximum for in-network medical care and prescriptions (or $8,500 if you add dependents to your plan).
- 30% coinsurance for in-network care and 50% coinsurance for out-of-network care.
- Free in-network preventative care and 50% cost to you for out-of-network preventative care.
- 30% for in-network and 50% for out-of-network office visits, specialists, and telemedicine.
- Teladoc services 80% paid by the plan.
- 30% for in-network and 50% for out-of-network inpatient, outpatient, and urgent care hospital services.
- $250 copay, then 30% for emergency room services.
- Retail pharmacy (up to 30-day supply): $10 copay for preferred generics, $35 copay for preferred brand and preferred specialty, and $70 copay for non-preferred brand and specialty prescription drugs.
- Retail order and mail order (up to 60-day supply): $20 copay for generics, $60 copay for preferred brands, and $130 copay for non-preferred brands.
We can cover you (the employee) on the silver plan for $83.00 out of each biweekly paycheck. If you choose coverage for yourself and your spouse, it will be $367.84. If you are covering yourself and a child or children, it will be $333.65. For a full family, it will be $723.28.
Gold plan
For 2025, the gold plan gives you:
- A $2,500 deductible for in-network medical and prescriptions and $5,000 for out-of-network (or $5,000 in-network and $10,000 out-of-network if you add dependents to your plan).
- A $5,100 out-of-pocket maximum for in-network medical care and prescriptions (or $8,500 if you add dependents to your plan).
- 20% coinsurance for in-network care and 50% coinsurance for out-of-network care.
- Free in-network preventative care and 50% cost to you for out-of-network preventative care.
- 20% for in-network and 50% for out-of-network office visits, specialists, and telemedicine.
- Teladoc services 80% paid by the plan.
- 20% for in-network and 50% for out-of-network inpatient, outpatient, and urgent care hospital services.
- $150 copay, then 20% for emergency room services.
- Retail pharmacy (up to 30-day supply): $10 copay for preferred generics, $35 copay for preferred brand and preferred specialty, and $70 copay for non-preferred brand and specialty prescription drugs.
- Retail order and mail order (up to 60-day supply): $20 copay for generics, $60 copay for preferred brands, and $130 copay for non-preferred brands.
We can cover you (the employee) on the gold plan for $176.72 out of each biweekly paycheck. If you choose coverage for yourself and your spouse, it will be $536.44. If you are covering yourself and a child or children, it will be $493.24. For a full family, it will be $985.74.
Health Savings Accounts (HSAs)
An HSA is a personal healthcare bank account that you can use to pay out-of-pocket medical expenses with pretax dollars. You decide how much you want to contribute to your account, when to use your money to pay for qualified medical expenses, and when to reimburse yourself.
You can contribute to an HSA tax-free, and you won’t need to pay taxes on accumulated interest or the funds you withdraw for eligible medical, dental, and vision expenses. You can keep unused account dollars even if you retire or leave the company, although you will have to pay the monthly administrative fee yourself. You can also invest your unused HSA funds to increase your available healthcare dollars over time.
If you enroll in the silver or gold health insurance plan as a Sunrise Services employee, you can choose to contribute to a health savings account (HSA) as long as you meet all the qualifications:
- You aren’t enrolled in any other non-HSA-qualified health insurance plan.
- You aren’t covered by your spouse’s FSA, HRA, or health plan unless it’s a qualified HDHP.
- You aren’t eligible to be claimed as a dependent on someone else’s tax return.
- You aren’t enrolled in Medicare, TRICARE, or TRICARE For Life.
- You haven’t received care from the VA in the past three calendar months outside of dental, vision, preventative care, or care provided to a veteran who has a disability rating from the VA.
As an individual, you can contribute up to $4,300 to an HSA in 2025 if you are under age 55, or $5,300 if you are 55 or older and not enrolled in Medicare. As a family, the limits are $8,550 if you are under age 55 or $9,550 if you are 55 or older and not enrolled in Medicare.
Health Reimbursement Arrangement (HRA)
Sunrise Services offers employees an employer-funded HRA account that works in tandem with our medical plans. In other words, we will pay for some of your medical expenses.
The rule is that once you’ve paid $2,500 (employee only) or $3,300 (employee plus dependents) toward the deductible or out-of-pocket expense, we will reimburse up to the next $1,000 or your eligible expenses. We can also reimburse dental plan expenses even if you haven’t satisfied the dental deductible. Once you’ve hit the deductible or out-of-pocket expense limit above, just contact the Sunrise benefits team and fill out the form to get reimbursement.
These are just some of the more common expenses that we can pay for with the HRA:
- Medical expenses such as copays, coinsurance, and deductibles.
- Dental expenses such as exams, cleanings, X-rays, and braces.
- Vision expenses such as exams, contact lenses and supplies, eyeglasses, and laser eye surgery.
- Professional services like physical therapy, chiropractic, and acupuncture services.
- Prescription drugs and insulin.
Dental and Vision Insurance
Sunrise Services offers two dental plan options through Metlife. You can get the low plan for $15.83 per payroll for yourself, $31.04 per payroll for yourself and your spouse, $38.71 per payroll for yourself and your children, or $58.15 for the family. The high plan costs $23.64 per payroll for yourself, $49.22 per payroll for yourself and your spouse, $53.35 per payroll for yourself and your children, or $78.93 for the family.
The low plan gives you:
- $50 individual/$150 family deductible, which is waived for diagnostic and preventative services.
- $1,000 annual maximum per enrolled.
- Full coverage for exams, cleanings, X-rays, and periodontal maintenance from in-network providers, or you can pay 20% for an out-of-network provider.
- For periodontics, root canals, composite and amalgam fillings, extractions, or surgery, you pay the deductible and then 20% in-network or 30% out-of-network.
- Bridges, crowns, dentures, implants, TMJ, and orthodontia are not covered.
The high plan gives you:
- $50 individual/$150 family deductible, which is waived for diagnostic and preventative services.
- $1,500 annual maximum per enrolled.
- Full coverage for exams, cleanings, X-rays, and periodontal maintenance from in-network providers, or you can pay 20% for an out-of-network provider.
- For periodontics, root canals, composite and amalgam fillings, extractions, or surgery, you pay the deductible and then 20% in-network or 30% out-of-network.
- For bridges, crowns, dentures, implants, and TMJ, you pay the deductible and then 50% in-network or 60% out-of-network.
- Orthodontia is not covered.
You don’t need to be enrolled in a medical or vision plan with Sunrise Services to enroll in a dental plan.
Vision Insurance
Sunrise Service also offers vision insurance through MetLife, which lets you select a provider from the VSP Choice Network. For $5.12 (employee only), $10.25 (employee + spouse), $8.68 (employee + child(ren), or $14.31 (family) per biweekly paycheck, this plan gives you:
- $10 in-network copay or $45 out-of-network copay for a vision exam once every 12 months.
- $39 copay for in-network retinal imaging; if you go out-of-network, it will be applied to your exam allowance.
- Lenses and frames once every 12 months.
- In-network: $25 copay for lenses and $150 frames allowance.
- Out-of-network: up to a $30 copay for single lenses, up to a $50 copay for bifocal lenses, up to a $65 copay for trifocal lenses, up to a $100 copay for lenticular lenses, and a $70 frames allowance.
- Contact lenses once every 12 months.
- Medically necessary contact lenses are covered in full from in-network providers or with a $210 copay from out-of-network providers.
- For a standard or premium fitting, there is a $60 copay for an in-network provider, or you can apply a fitting from an out-of-network provider to your exam allowance.
- For an elective fitting, there is a $150 in-network allowance or a $105 out-of-network copay.
Start Working With Sunrise Today
Looking for an employer that cares about your health and career? Apply to join the Sunrise Services team today. We are always hiring for a variety of medical, care-related, administrative, and other jobs throughout Snohomish, Skagit, Island, and Whatcom counties.
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