A GUIDE TO YOUR BENEFITS

Table of ContentsYour Benefits at Sunrun........................................................................................................................................................................... 3

Who Is Eligible? ...........................................................................................................................................................................................3

Termination of Coverage .............................................................................................................................................................................3

Enrollment .....................................................................................................................................................................................................3

How to Enroll ................................................................................................................................................................................................3

Making Changes .........................................................................................................................................................................................4

Medical Coverage ......................................................................................................................................................................................6

Cigna and Kaiser ..................................................................................................................................................................................6

Dental Coverage .........................................................................................................................................................................................12

Vision Coverage ........................................................................................................................................................................................13

Employee Assistance Program (EAP) ........................................................................................................................................................14

Parenting and Childcare Resources .....................................................................................................................................................14

Elder Care Services ..............................................................................................................................................................................14

Basic Life and AD&D ...................................................................................................................................................................................14

Voluntary Life and AD&D ............................................................................................................................................................................15

Short-Term Disability (STD) ...........................................................................................................................................................................15

Long-Term Disability (LTD) ....................................................................................................................................................................15

Voluntary Pet Insurance (VPI) ......................................................................................................................................................................16

Employee Contributions .....................................................................................................................................................................16

Flexible Spending Accounts (FSAs) ............................................................................................................................................................17

Pretax Premium Payment .......................................................................................................................................................................17

Health Care Spending Account ...........................................................................................................................................................17

Dependent Care Spending Account ...................................................................................................................................................18

Glossary .......................................................................................................................................................................................................19

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Your Benefits at SunrunWelcome to Sunrun! Our benefits package is just one of the ways that we hope to serve our team and help you fully reach your potential as a valued member of the Sunrun team. We strive to bring the same high level of innovation, responsibility and efficiency to our benefits package as we do to our core mission of promoting a sustainable environment.

Sunrun is proud to offer you and your family a smart, cost-effective, and high quality benefits package. Your health is important to you, your family and us. We want to encourage you to be involved with your health care, making wellness and healthy living a priority.

This guide provides an overview of our benefits program, followed by descriptions of the primary features of each benefit type. Please use this guide as an easy tool to help you make your benefit choices, and consult each carrier’s Summary Plan Description, or booklet, for more in-depth descriptions of coverage. The benefits plan year runs from January 1 through December 31 of each year.

Who Is Eligible?Full-Time Regular status employees, who work 30 or more hours per week, are benefits eligible on the first of the month following one month of continuous full-time employment. You may also choose to enroll your eligible dependents, which include the following:

n Your legal spouse or qualified domestic partner*

n Dependent children to age 26, regardless of student or marital status

n Children may include your natural child(ren), legally adopted child(ren), stepchild(ren), domestic partner’s child(ren), and/or any child(ren) for whom you are a legal guardian

n Any dependent child who is incapable of self-support due to a mental or physical disability and are dependent on your financial support as defined by the Internal Revenue Code

Termination of CoverageYour coverage ends on the last day of the month following the final day of employment. You may continue benefits during a family leave of absence and for a limited period of time after termination under your COBRA rights.

EnrollmentYou will be required to logon to www.sunrunbenefits.com to make your benefits elections. Once you enroll in benefits you will only be able to make changes to your coverage during our annual Open Enrollment period, unless a “qualifying event” occurs midyear.

How to EnrollAfter you read the benefits materials provided and review your coverage options, you are ready to enroll. Here’s how:

1. Log on to www.sunrunbenefits.com to enroll in your benefits.

2. Click on “Select Benefits” and start a new enrollment. Proceed to the final confirmation and you’re done!

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Making ChangesYou cannot make changes to your elections during the year unless you have a “qualifying event,” as defined by the IRS. Qualifying events include the following:

n Marriage or divorce

n Birth, adoption or custody change of an eligible dependent

n The loss of coverage due to the death of a spouse or domestic partner

n Beginning or ending of a spouse’s or domestic partner’s employment

n Unpaid leave of absence by you, your spouse or domestic partner

n A change in employment (either yours, your spouse’s or domestic partner’s) from part-time to full-time or full-time to part-time

If you have a qualifying event at a time other than open enrollment, you may change your benefits within 31 days of the qualifying event.

*Domestic Partner is the subscriber’s domestic partner under a legally registered and valid domestic partnership. Domestic partner does not include any person who is: (a) covered as a subscriber, or (b) in active service in the armed forces.

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Your Benefits Your Choices

Medical and Prescription Drug: Cigna and Kaiser Permanente

Choose between these plans:

n Cigna PPO

n Cigna HMO

n Cigna CDHP HSA*

n Kaiser California Only

All of these plans include comprehensive medical and prescription drug coverage, with in-network

preventive care and screenings covered at 100%.

*Consumer Directed Health Plan/Health Savings Account.

Dental: Principal Life The POS dental plan is available for California employees and the PPO for non California employees. You

control your out-of-pocket expense by the type of provider - EPO, PPO or OON (Out-of-Network) you

use.

All levels cover everything from preventive care to major dental work. You may also be eligible to

carry over up to $375 of unused maximum benefit to next year’s maximum benefit amount. To qualify,

you must have had a dental service performed within the Calendar year and used less than the

maximum threshold.

Vision: VSP Sunrun offers vision coverage through VSP that includes benefits for eye exams, lenses, frames, and contacts.

Health Savings Account (HSA)

The Health Savings Account is available to those who elect to enroll in the Cigna Choice Fund OAP Plan.

n Contribute up to $3,350/$6,750 (individual/family) annually, on a pretax basis to a savings account designed to help you pay for health care expenses.

n Sunrun will contribute $600/$1,200 (individual/family) to eligible members with an HSA in the 2015 calendar year.

Flexible Spending Accounts (FSAs)

n The Health Care Spending Account allows you to contribute up to $2,550 per year on a pre-tax basis for qualified out-of-pocket health care expenses. You can use your FSA debit card provided by P&A Administrators to pay for eligible expenses, or submit claim forms for reimbursement if you pay out-of-pocket.

n The Dependent Care Spending Account allows you to contribute up to $5,000 per household per year on a pre-tax basis to cover your cost of child care, such as daycare, nanny, and before- and after-school care while you and your spouse work.

Disability Insurance Sunrun automatically provides Short-Term and Long-Term Disability coverage at no cost to you.

n With STD, benefits begin after a 15-day waiting period and replace 66.67% of your base salary to a weekly maximum of $2,309 for up to 11 weeks. Benefits are taxable.

n With LTD, benefits begin after you are disabled for 90 days and replace 60% of your annual base salary up

to a monthly maximum of $10,000, until age 65. Benefits are tax-free.

Note: You can also purchase additional STD and LTD coverage.

Life and AD&D Insurance Sunrun provides a Basic Life and AD&D benefit of 1x your annual earnings up to $250,000 at no cost to you. Your coverage is guaranteed when you are automatically enrolled during your initial eligibility period. You have an opportunity to elect additional amounts of life insurance with no health questions if you enroll during your initial eligibility period.

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Medical Coverage

Cigna and Kaiser

n In-network preventive care is covered at 100%. Preventive care services are provided when you don’t have any symptoms and haven’t been diagnosed with the health issue connected with the preventive service. For example, a flu vaccination is given to prevent the flu before you get it. Other preventive care services like mammograms can help detect an illness when there aren’t any symptoms.

n No annual or lifetime maximum on medical plans

n Dependent care to age 26

n No pre-existing condition limitations

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Cigna Medical PlansCigna Open Access Plus PPO Cigna Open

Access Plus HMOCigna Open Access Plus PPO with

HSA

Plan Features In-Network Out-of-Network In-Network Only In-Network Out-of-NetworkWhat you pay What you pay What you pay What you pay What you pay

Calendar Year Deductible (Individual/Family)

$250/$500 $500/$1,000 $0/$0 $2,000/$4,000 $4,000/$8,000

Out-of-Pocket Maximum (Individual/Family)

$2,250/$4,500 $4,500/$9,000 $2,500/$5,000 $3,500/$7,000 $7,000/$14,000

Preventive Care 100% covered 30% after deductible 100% covered 100% covered 30% after deductible

Office Visits $15 copay 30% after deductible $20 copay 10% after deductible 30% after deductible

Urgent Care $35 (waived if admitted)

$35 (waived if admitted)

10% after deductible

Emergency Room $100/visit(waived if admitted)

$100/visit(waived if admitted)

10% after deductible

Ambulance 10% after deductible 10% after deductible No charge 10% after deductible 10% after deductible

Inpatient Hospital Services

$250 per admission plus 10% after deductible

$500 per admission plus 30% after

deductible

$500 per admission 10% after deductible 30% after deductible

Outpatient Hospital Services

$200 per admission plus 10% after deductible

$400 per admission plus 30% after

deductible

$300 copay 10% after deductible 30% after deductible

Chiropractic Care $15 copay 30% after deductible $20 copay 10% after deductible 30% after deductible

Diagnostic Lab & X-ray*

$15 copay 30% after deductible $20 copay 10% after deductible 30% after deductible

Inpatient Mental Health and Substance Abuse

$250 per admission plus 10% after deductible

$500 per admission plus 30% after

deductible

$500 per admission 10% after deductible 30% after deductible

Outpatient Mental Health and Substance Abuse

$15 copay 30% after deductible $20 copay 10% after deductible 30% after deductible

Prescription Drugs: Retail Generic Brand Formulary Non-Formulary

$15 copay $25 copay$40 copay

30% after deductible$15 copay $25 copay $40 copay

Copays are after deductible$15 copay $25 copay $40 copay

30% after deductible

Prescription Drugs: Mail Order (Up to a 90 day supply)

2 x retail copay 30% after deductible 2 x retail copay Copays are after deductible

2 x retail copay

30% after deductible

* Assumes services are through an independent lab

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The Health Saving Account (HSA), administered by Cigna, combined with the Consumer Directed Health Plan (CDHP), offers a tax-advantage to help you pay for out-of-pocket costs.

Here’s how you save:

n Contributions are made with pre-taxed dollars

n Funds may be used to pay for qualified medical expenses

n Money in account rolls over every year

n The money is yours, so the account stays with you if you leave Sunrun

n Funds beyond a certain amount can be invested

Who’s Eligible for the HSA?

The IRS sets the requirements. Eligibility is as follows:

n Must be enrolled in a qualified HSA medical plan (Cigna HDHP | HSA is a qualified medical plan)

n Cannot have any other health coverage (this applies to the employee only)

n Not covered by spouse’s medical or pharmacy plan

n Not covered through Medicare Part A, Part B, Part D, or through TRICARE

n Not covered through a general-purpose Flexible Spending Account (FSA) plan (either employee’s or spouse’s)

n 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 for you to set aside pre-tax dollars for health care expenses:

n Contribute up to $3,350/$6,650

n Sunrun will contribute $600/$1,200 to your HSA

More about HSA Bank:

n www.myCigna.com is the place to view your HSA details online, including your balance and recent transactions.

n You can also view your balance and recent transactions on the myCigna mobile app.

You can use the Cigna cost and quality tools, available at www.mycigna.com, to see if an HSA can help you save money on your health care costs.

Qualified medical expenses include the following:

n Routine health care

n Dental care

n Medical and dental coinsurance and deductibles

n COBRA premiums

n Chiropractic services

n Hospital expenses

n LASIK surgery

n Braces

n Family planning procedures

How the Cigna Plans Work

All three Cigna plans use the same large network of participating providers. The Cigna network is one of the largest in the nation with more than 629,000 physicians and 4,200 hospitals. Benefits received from network providers are payable at a higher level than benefits received from non-network providers. It is always a good idea to confirm your provider’s participation as an in-network provider to ensure the highest level of benefits. Visit www.mycigna.com or contact Cigna at 866-494-2111 to find or verify an in-network provider.

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Cigna Value-Added Programs

Health Care Cheat Sheet

Understanding health care language, tips to save on health care, and open enrollment checklist

Cigna Get Coached Up

In partnering with Samsung, Cigna has created a personalized health app that will guide and encourage you to form healthy habits

Cigna Healthy Values

Free printable grocery coupons

Fitness

Fitness Club Discounts

n Save on enrollment fees and/or monthly dues, or the best available public rate based on the membership type you chose. Participating clubs are part of American Specialty Health Networks and ChooseHealthy

Weight Management and Nutrition

Weight Watchers

n Save on the weight watchers programs and learn how to lose weight safely

Jenny Craig

n Free 30 day trial and take advantage on discounts with one of the largest weight management service companies in the world

Cigna Healthy Pregnancies, Healthy Babies®

Enroll in this program designed to help you and your baby stay healthy during your pregnancy and in the days and weeks following your baby’s birth

Cigna Mobile App

The all-new myCigna Mobile App gives you a simple way to personalize, organize and access your important health information – on the go. It puts you in control of your health, so you can get more out of life.

Claim Forms

Network providers will submit your claims and take care of obtaining Medical Management approval when necessary. When an out-of-network provider is used, you are responsible for filing your claim and making sure treatment is approved by Medical Management.

While Traveling

If you are traveling and need care for a non-emergency medical condition, contact Member Services for help in locating a network provider. Since the network is nationwide, you may be able to see a network provider and receive a higher level of benefit.

PPO Plan Coverage for Non-Network Providers within a Network Area

The usual and customary charge for each service or supply received will be the lesser of the fee usually charged by a provider and the fee usually charged by other providers in the same geographical area for these services and supplies. When you use an out-of-network provider you are responsible for paying any amount over the usual and customary charges.

Pre-Authorization

Pre-authorization is required on all inpatient admissions and outpatient surgery not performed in the doctor’s office. Network providers are contractually obligated to perform pre-authorization on behalf of their clients; the member must verify that a non-network provider performs the pre-authorization procedures. If a non-network provider does not obtain pretreatment authorization or if a member does not follow the recommended care plan, 50% of charges will be considered ineligible. The following require pre-authorization:

n Outpatient Surgery

n Skilled Nursing

n Home Health Care

n Renal Dialysis

n Air Ambulance

n Durable Medical Equipment over $500

n High-Cost Drugs

n Genetic Testing

n Transplant Evaluations

n Hospital Admissions (including partial hospitalization programs for mental nervous)

n High Tech Radiology (examples include CAT scans, PET scans and MRIs)

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Kaiser HMO Medical Plan (California Only)

Plan Features HMO

What You Pay…

Calendar Year Deductible None

Calendar Year Out-of-Pocket Maximum $1,500/$3,000 family

Lifetime Maximum Benefit Unlimited

Office Visits

What You Pay…

Physician Office visits $20 copay

Preventive Care $0

Well Baby/Child Care $0

Outpatient Services

Diagnostic Lab and X-ray $0

Outpatient Surgery Services $20 per procedure

Inpatient Services

Hospitalization (Room and Board) $500 per admission

Emergency Room Services $100 copay (copay waived if admitted)

Maternity $500 per admission

Other Services

Physical Therapy $20 copay

Durable Medical Equipment $0

Mental Health / Substance Abuse

Inpatient Services $500 per admission

Outpatient Services

$20 for individual therapy

$10 for group therapy

Prescription Drugs (30 Day Supply)

Generic $10 copay

Brand $25 copay

Prescrition Drugs Mail Order (90 Day Supply)

Generic $20 copay

Brand $50 copay

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Kaiser Value-Added Programs

MyHealthManager

When you’re a registered member on www.kp.org you can access the following features 24 hours a day, 7 days a week.

n Find a doctor

n E-mail your doctor’s office

n View lab results

n Request new ID cards

n Order prescription refills

n Request routine appointments

n View recent immunization records

Healthy Lifestyle Programs

Kaiser offers a personalized approach to improving your well-being. Kaiser offers one of the most robust health and wellness programs in the industry. If you want to research resources and tools available to Kaiser Members log in to www.kp.org. Here’s an overview of some of the more popular, mostly complementary programs:

n Take a total health assessment with Succeed™

n Manage chronic conditions with Care™ for Your Health

n Lose weight with Balance™

n Eat healthy with Nourish™

n Manage diabetes with Care™ for Diabetes

n Quit smoking with Breathe™

n Reduce stress with Relax™

n Manage pain with Care™ for Pain

n Manage depression with Overcoming™ Depression

n Get a good night’s sleep with Overcoming™ Insomnia

n Manage back pain with Care™ for Your Back

Member Discounts

Take advantage of special rates available to Kaiser Members.

n Weight Watchers®

n 10,000 Steps® Program

n Herb and Vitamin Discounts

n Health and Fitness books and DVDs

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Dental CoverageWe offer two dental benefits through Principal Dental. The Point of Service (POS) plan is for California employees and a Preferred Provider Organization (PPO) for non California employees. The POS plan has three levels of coverage. You decide at the point of service, if you will use an EPO provider with the highest level of coverage, a PPO provider with a high level of coverage in a large national network or opt out all together and use an out-of-network provider with a greater out-of-pocket cost to you.

When obtaining care from a non-network provider, remember that reimbursement is based on reasonable and customary charges determined by the carrier. To find a complete listing of network providers, go to the Principal website, www.principal.com.

Please consult the chart below for a comparison of your Principal dental plan options.

Calendar Year Deductible (Amount you pay)

Coinsurance (Amount you pay)

EPO PPO Out-of-Network

EPO PPO Out-of-Network

Preventive $0 $0 $50 0% 0% 0%

Basic $0 $50 $50 10% 10% 20%

Major $0 $50 $50 40% 40% 50%

Orthodontia $0 $0 $0 50% 50% 50%

PPO deductibles for basic and major procedures are combined. Out-of-Network deductibles for preventive, basic and major procedures are combined.

$1,500 per person per calendar year maximum benefit (combined for EPO, PPO, and OON)

Orthodontia Lifetime Maximum: $1,500 per person

The dental plan allows up to $375 of unused maximum benefit to carryover to increase your maximum benefit in the following year.

Note: Non-network benefits are paid at Usual, Customary and Reasonable (UCR) rates. Any amounts in excess will be the responsibility of the plan.

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Vision CoverageSunrun offers you vision care coverage through Vision Service Plan (VSP). With VSP you can receive vision care services from any provider you choose. However, you will receive the highest level of coverage when you use in-network providers. Vision care accessed from out-of-network providers is covered at lower levels with greater out-of-pocket costs.

Use a VSP Provider

n Find a VSP network provider at www.vsp.com or call 800-877-7195

n No ID cards. No claim forms.

n Higher level of coverage and pay less out-of-pocket

Plan Features In-Network Out-of-Network Retail Affilate Program

Usual & Customary Reimbursement

100% of Discounted Rate 100% of Fee Schedule N/A

Frequnecy of Services

Eye Examination Once every 12 months

Prescription Glasses and Lenses

Once every 12 months

Frames Once every 24 months

What You Pay...

Vision Exam $10 copay Up to $50 $25 copay

Prescription Glasses and Lenses

$30 copay Up to $50 $25 copay

Frames Included in prescription glasses ($140 - $160 allowance)

Up to $70 $70 allowance at Costco

$130 allowance at retailer providers other than Costco

Contact Lenses (Covered in Lieu of Lenses)

Medically Necessary Covered in Full Up to $210 $140 allowance (in lieu of glasses)

Elective $140 allowance Up to $105 $140 allowance (in lieu of glasses)

Additional Services

Laser Vision Correction Not Covered With VSP, there are savings of up to 15% off the regular price at VSP contracted laser centers,

or an additional 5% off the center’s promotional price.

Not Covered N/A

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Employee Assistance Program (EAP)Claremont Behavioral Employee Assistance Program (EAP) offers, at no cost to you, services designed to help you and your family members meet the challenges of personal, work and family life. Claremont Behavioral is a one-stop resource that offers confidential consultation, information and personalized community referrals. The EAP provides 3 visits per incident per year and can be accessed by calling 800-834-3773 or online at www.claremonteap.com.

Features of the EAP include the following:

n Parenting & Childcare Referrals

n Financial Counseling

n Legal Consultation

n Will Preparation Assistance

The consultants will help assess a situation and develop a plan that best meets the employee’s needs. Calls are strictly confidential; identity is not known unless provided by the caller. Claremont Behavioral consultants have access to resources and experts to provide the most appropriate course of action.

Parenting and Childcare Resources

In addition to counseling services, members may obtain information on parenting and childcare resources. Pre-qualified referrals are available for a wide variety of childcare services in your area, including the following:

n Family day care homes

n Infant centers and preschools

n Adoption assistance

n Before/after school care

n In-home childcare

n 24-hour care

n Emergency/drop-in care

Elder Care Services

If you are caring for an elderly relative or for an adult with special needs, Magellan Health Services can help you find resources to address their needs:

n Clarify and prioritize your specific needs

n Develop an action plan

n Find groups or programs in the community

n Evaluate financial circumstances and insurance option

Basic Life and AD&DLife and Accidental Death & Dismemberment insurance coverage provides you and your family important financial security. Sunrun provides all benefit eligible employees with an employer-paid Life and Accidental Death & Dismemberment (AD&D) benefit at 1x your annual base salary up to $250,000. This policy is underwritten by Principal Life Insurance.

Life insurance will pay a benefit to your beneficiary upon your death. Additionally, if you should die in an accident, your Accidental Death and Dismemberment (AD&D) policy will pay a benefit to your beneficiary. If you are terminally ill you can receive up to 75% of your life insurance benefit in a lump sum under certain circumstances.

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Voluntary Life and AD&DSunrun currently provides all eligible employees with company-paid Basic Life and AD&D benefits. You also have the option to purchase additional Life and AD&D insurance for yourself and your eligible dependents through Principal Life Insurance.

Voluntary Life and AD&D:You have the opportunity to enroll when you are initially eligible as a new hire up to the following amounts (Guarantee Issue) without providing evidence of insurability, provided you enroll within 31 days of eligibility. Coverage is available to you and your eligible dependents in the following amounts:

Voluntary Life and AD&D Guarantee Issue AmountsEmployee $140,000 (under age 70),

$10,000 (over age 70)Spouse/Domestic Partner $30,000 (under age 70),

$10,000 (over age 70). Rate is based on employee’s age

Children No health questions

Low group rates keep your costs to a minimum. Rates and an example are below.

Group Voluntary Term Life Insurance Rates

<29 $0.101 per $1,000

30 - 34 $0.119 per $1,000

35 - 39 $0.147 per $1,000

40 - 44 $0.203 per $1,000

45 - 49 $0.316 per $1,000

50 - 54 $0.488 per $1,000

55 - 59 $0.831 per $1,000

60 - 64 $1.267 per $1,000

65 - 69 $2.31 per $1,000

70 & Over $4.762 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 $16.66 ($0.119 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 $3.57 per month ($0.119 x $30,000 / $1000).

If you do not enroll when initially eligible and want coverage at a later date, you will have to provide evidence of insurability and receive approval from the coverage provider for the amounts elected.

If you remain disabled, benefits would be payable up to the Social Security Normal Retirement Age. If you are eligible for other sources of income such as Social Security and/or Workers’ Compensation, LTD benefits will be adjusted so that the maximum monthly benefit you receive from all sources will not be more than the benefit percentage in the contract.

Short-Term Disability (STD)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 (LTD)90-day waiting period; replaces 60% of your base salary to a monthly maximum of $10,000, until age 65. Benefits are tax free.

When illness or injury makes it impossible for you to work, the Principal Financial Group Short and Long-Term Disability coverage will replace a percentage of your pre disability earnings.

* Disability benefits paid will be subject to taxes if the premiums paid for the

coverage are paid for with pretax funds. Disability benefits paid will NOT be subject

to taxes if the premiums for the coverage are paid for with post-tax funds.

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Voluntary Pet Insurance (VPI)Policies help pay for medical problems and conditions related to accidental injuries, poisonings, illnesses and more.

n You can visit any licensed veterinarian

n 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

For details relating to benefits and costs contact VPI at 877-Pets-VPI (877-738-7874), www.PetsVPI.com

Employee ContributionsSunrun pays 100% of your Basic Life and AD&D, Long-Term Disability, Short-Term Disability and EAP coverage and most of the cost of your medical, dental and vision coverage. Below are the employee contributions on a per pay period basis through 2016.

Medical Coverage

Employee Employee + Spouse Employee + Child Employee + Family

Total Monthly Plan

Cost

Employee Per Pay

Period Cost

Total Monthly Plan Cost

Employee Per Pay

Period Cost

Total Monthly Plan Cost

Employee Per Pay Period

Cost

Total Monthly Plan Cost

Employee Per Pay

Period Cost

Cigna Choice Fund OAP HSA

$394 $30 $828 $100 $749 $85 $1,182 $135

Cigna PPO Plan (OAP)

$508 $50 $1,068 $132.50 $966 $122.50 $1,525 $187.50

Cigna HMO Plan (OAP IN)

$535 $65 $1,123 $140 $1,016 $127.50 $1,604 $200

Kaiser HMO $403 $40 $1,008 $120 $823 $100 $1,371 $165

Dental Coverage Employee Employee + Spouse Employee + Child Employee + Family

Total Monthly Plan Cost

Employee Per Pay

Period Cost

Total Monthly Plan Cost

Employee Per Pay

Period Cost

Total Monthly Plan Cost

Employee Per Pay

Period Cost

Total Monthly Plan Cost

Employee Per Pay Period

Cost

Principal $39 $6 $82 $15 $91 $16 $137 $27

Vision Coverage Employee Employee + 1 Dependent Employee + 2 or moreTotal Monthly

Plan CostEmployee Per

Pay Period CostTotal Monthly Plan

CostEmployee Per Pay

Period CostTotal Monthly Plan

CostEmployee Per Pay

Period Cost

VSP $8 $1.25 $13 $2.50 $20 $5

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Flexible Spending Accounts (FSAs)An important and valuable component of the Sunrun benefits package is the Flexible Spending Accounts (FSA). Even the most comprehensive benefits program doesn’t cover every expense. When you participate in this program, you can use tax-free dollars to pay for a wide array of expenses—expenses that, in some cases, may not be covered through your medical, dental and/or vision programs.

The FSA Program includes three components, which are made possible through IRS Section 125 and are described in detail below.

n Pretax Premium Payment

n Health Care Spending Account

n Dependent Care Spending Account

Pretax Premium Payment

Under the Premium Payment Plan, Sunrun deducts your share of the medical, dental and vision coverage premiums from your paycheck on a pretax basis. Since your premium contributions are subtracted from your gross pay before taxes are withheld (federal, state, and FICA), your take-home pay is higher. You will need to complete the appropriate election form on the benefits administration site to elect pretax deductions.

Health Care Spending Account

The Health Care Spending Account allows you to set aside up to $2,550 pretax per calendar year to pay for qualifying out-of-pocket expenses such as medical, dental, vision and prescription drugs. This includes deductibles, copayments, orthodontia expenses and other services. The annual amount you elect to set aside will be deducted in equal amounts from each of your paychecks per year and you will not pay taxes on this amount. As you incur eligible expenses throughout the year, you can request reimbursement by filing a claim with P&A Group or using the debit card you receive by enrolling in this program.

Expenses Covered (partial list) n Deductibles and copays

n Prescriptions

n Eye glasses and contact lenses

n Dental work and orthodontia

n Expenses for medical care

n Medical treatments

n Substance abuse treatment

n Chiropractic care

n Treatment for severe disabilities

n Nursing home and in-home medical care

n Psychologist/psychiatrist

n Sterilization

n Transportation (to and from medical care)

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Expenses Not Covered (partial list)

n Health premiums (already pretax)

n Health club dues

n Over-the-counter medications

n Weight loss programs

n Cosmetic surgery (unless medically required)

Dependent Care Spending Account

The Dependent Care Spending Account allows you to set aside pretax earnings to pay for eligible dependent care expenses, up to a maximum of $5,000 per plan year. If you are married and filing separate tax returns, the combined maximum you can set aside is $5,000.

Eligible expenses include child care, elder care, or other eligible dependent care. You may also use the Dependent Care Spending Account to pay for the day care of your dependent children under the age of 13 and dependents of any age who are incapable of self care, live with you and are claimed as dependents on your income tax return. To be eligible, care must be provided while you (and your spouse, if you are married) work, look for work or attend school full time.

Expenses that are eligible for the Dependent Care FSA can also be eligible for a tax credit on your federal tax return. Keep in mind that you cannot claim the same expenses for the Dependent Care FSA and the tax credit. We strongly recommend that you consult with your personal tax advisor to determine which alternative is best for you.

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GlossaryBeneficiary: A person designated by a participant, or by the terms of an employee benefit plan, which is or may become entitled to a benefit under the plan.

COBRA: Federal law (Consolidated Omnibus Budget Reconciliation Act of 1985) requiring certain employers that offer group health plans to provide continuation coverage to employees and their dependents who incur certain qualifying events.

Coinsurance: A form of cost-sharing in a health plan that requires an insured to pay a stated percentage of medical expenses.

Copay: A pre-determined dollar amount that an insured pays for certain health care services.

Deductible: The amount an individual must pay for health care expenses before the insurance company begins to cover costs.

Explanation of Benefits (EOB): A document that details the charges for services received, the amount the health insurance company will pay for those services and the amount the insured person will be responsible for paying.

First Dollar Benefits: Refers to not having to meet a calendar year deductible prior to receiving coverage for services.

Generic: Your prescription drug copay depends on the class or group of your prescribed medication. A generic drug generally has the lowest copay level. A generic drug is one that is no longer produced only under a brand name. Generic drugs are identical to brand-name drugs in chemical makeup (“active ingredients”), usage, strength and dosage. They are regulated and approved by the FDA just like brand-name drugs; however, they are much less expensive.

HMO: Health Maintenance Organization – a health plan in which services are coordinated by a primary care physician and there are no out-of-network benefits.

HSA: Health Savings Account – is a tax-advantaged medical savings account available to individuals enrolled in a qualified high-deductible health plan (HDHP). The funds contributed to an HSA are done so on a pretax basis and may be used to pay for qualified medical expenses.

In-Network: a group of providers (physicians, facilities, hospitals, etc.) working with the insurance carrier to offer care at discounted rates.

Open Enrollment Period: Annual two-week period when you are allowed to enroll in benefits or make changes to your medical, dental, vision and life insurance coverage, and flexible spending accounts.

Out-of-Network: Any provider that has not agreed to offer services at a discounted rate.

Out-of-Pocket Expense: Premium, deductibles, and other expenses that are not covered by the health plan.

Out-of-Pocket Maximum: The total dollar amount an individual is required to pay for covered medical services during a calendar year.

PPO: Preferred Provider Organization – network of health care providers with which an insurance carrier has negotiated contracts for its insured population to receive services at discounted rates.

Preventive/Routine Services: Recommended program of health care services designed for the prevention and/or reduction of illness.

Qualifying Life Event: Certain events that may allow you to make allowable changes to your benefits. Qualifying events include marriage, divorce, death, birth, adoption or placement for adoption, and significant change in employment.

Reasonable and Customary (R&C) or Usual, Reasonable & Customary (UCR): A term used in many health plans, defined as the price at or below which the majority of health-care professionals of similar expertise charge for similar procedures within a specific geographic area.

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