Overview

Nothing is more important than your overall health and wellbeing. That’s why our benefits program offers plans to help keep you and your family healthy and well while providing important protection in the event of illness or injury.

You can enroll as a new hire, during Open Enrollment, or if you have a qualifying life event. To enroll, log in to Workday through Okta.

Compare Your Medical Plans | UnitedHealthcare HDHP with HSA | UnitedHealthcare POS | Kaiser Permanente HMO
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Key Features at a Glance:

Free coverage for you and your family

so there are no payroll deductions for your elected medical coverage.

Free in-network preventive care

with services such as an annual physical, recommended immunizations, and routine cancer screenings, is 100% covered on all plans.

Prescription drug coverage included

with each medical plan.

Access to wellbeing resources

through a variety of programs and services.

Compare Your Medical Plans

You have the power of choice!

Nutanix supports you with truly best-in-class health coverage. Your medical plan options give you the power of choice—so you can choose the benefits that are the best fit for you and your family. You also have choices when it comes to receiving care and supporting your wellbeing throughout the year.

Nutanix medical plans are free!

Nutanix pays 100% of the cost of coverage for you and your family. This means you do not pay any payroll deductions for your elected medical coverage.

UnitedHealthcare HDHP with HSA

Administered by: UnitedHealthcare

A High Deductible Health Plan (HDHP) with an annual deductible and cost sharing for most services. This plan comes with a tax-advantaged Health Savings Account (HSA). Nutanix contributes money to your HSA to help you pay for a portion of your deductible.

Available to benefit-eligible employees in the U.S. (except Hawaii*).

UnitedHealthcare POS

Administered by: UnitedHealthcare

A Point of Service (POS) plan with no annual deductible and no copays for in-network eligible services.

Available to benefit-eligible employees in the U.S. (except Hawaii*).

Kaiser Permanente HMO

Administered by: Kaiser Permanente

A Health Maintenance Organization (HMO) plan with no annual deductible and $20 copays for office visits. Only in-network services are covered. This plan comes with a company-funded Health Reimbursement Account (HRA) to help cover the cost of your copays and coinsurance.

Available to full-time employees in California only.

Hawaii UnitedHealthcare PPO

Administered by: UnitedHealthcare

*Hawaii-based employees may elect to enroll in UnitedHealthcare PPO plan only. Read the UHC Hawaii Plan Summary of Benefits and Coverage for more information.

*Available to Hawaii-based employees only.

A snapshot of how the plans compare.

The chart below highlights what some of the benefits cover and how your costs for in-network services compare under each medical plan. For a full side-by-side comparison, click here.

UnitedHealthcare HDHP with HSA UnitedHealthcare POS Kaiser Permanente HMO
HSA features
HSA-eligible Yes No No
Company Contribution to HSA Each Year $600/$1,200 None None—Nutanix-funded Health Reimbursement Account (HRA) provided to cover copays, up to out-of-pocket maximum
Annual Deductible (individual/family)
In-Network $1,500/$3,000 $0 None
Out-of-Network $3,000/$6,000 $6,000/$12,000 Not covered
Coinsurance
In-Network 10% (after deductible) $0 Copays for the majority of services
Out-of-Network 30% (after deductible) 40% (after deductible) Not covered
Annual Out-of-Pocket Maximum (individual/family)
In-Network $3,000/$6,000 $0 $1,500/$3,000
Out-of-Network $6,000/$12,000 $10,000/$20,000 Not covered
Medical Care: Your Costs
Preventive Care Covered at 100% in-network, so you pay nothing
Office Visit (primary care or specialist)
In-Network 10% (after deductible) $0 $20 copay
Virtual Care
In-Network Only 10% (after deductible) $0 $0
Urgent Care Visit
In-Network Only 10% (after deductible) $0 $20 copay
Family Planning
In-Network Nutanix offers family planning benefits through Carrot
Transgender Benefits
In-Network Our UnitedHealthcare medical plans offer transgender health benefits Not applicable
Prescriptions: Your Costs
Tier 1
(generics and some brand-name)
Retail: 10% (after deductible)
Mail-order: 10% (after deductible)
Retail: $0
Mail-order: $0
Retail: $10 copay (up to 30-day supply)
Mail-order: Usually 2x the retail pharmacy cost (up to a 100-day supply)
Tier 2
(preferred brand-name)
Retail: 10% (after deductible)
Mail-order: 10% (after deductible)
Retail: $0
Mail-order: $0
Retail: $10 copay (up to 30-day supply)
Mail-order: Usually 2x the retail pharmacy cost (up to a 100-day supply)
Tier 3
(higher-cost brand-name and select generics)
Retail: 10% (after deductible)
Mail-order: 10% (after deductible)
Retail: $0
Mail-order: $0
Retail: $10 copay (up to 30-day supply)
Mail-order: Usually 2x the retail pharmacy cost (up to a 100-day supply)
Transgender Health Benefits

Nutanix strives to support our employees across their diverse set of needs. Our UnitedHealthcare medical plans* provide transgender health benefits in alignment with the World Professional Association for Transgender Health (WPATH).

For more details, visit When You Need Care.

*Except UHC Hawaii PPO plan

UnitedHealthcare HDHP with HSA

When you choose the UnitedHealthcare HDHP with HSA, you choose to take control of your healthcare spending. Best of all, you get a personal Health Savings Account (HSA) with this plan—a tax-advantaged savings account that allows you to budget for healthcare expenses and save for the future. Ultimately, you get to decide when and where you spend your healthcare dollars.

How the UnitedHealthcare HDHP with HSA works

The UnitedHealthcare HDHP with HSA has two parts:

  1. A medical plan. The rich coverage provided under the plan has an annual deductible, which is offset by Nutanix contributions to your HSA. After you meet the deductible, you pay 10% for most in-network services and 30% if you seek out-of-network care—a lower-cost share for out-of-network coverage than the UnitedHealthcare POS plan. This plan uses the same network of doctors as the UnitedHealthcare POS plan. Unlike our other medical plans, this plan doesn’t have visit limits for physical therapy, occupational therapy, speech therapy, and nutritionist visits.
  2. A Health Savings Account (HSA). This is a triple tax-advantaged savings account. You can use the money in the account to pay for eligible healthcare expenses for you and your eligible dependents now, or you can save the money for the future. Best of all, Nutanix jump-starts your savings each year by contributing $600 for employee-only coverage or $1,200 for family coverage, prorated when joining during the year. This contribution is made when you enroll in the plan so you can use the money to help pay for your deductible or save for the future. You can also make your own pretax contributions through payroll deductions, saving up to the IRS annual maximum limit. Any money you put in your HSA reduces your taxable income, earnings generated by the account aren’t taxed, and withdrawals aren’t taxed when used for qualified expenses. Learn more about the HSA.
Why choose the UnitedHealthcare HDHP with HSA?
  1. It comes with an HSA. You can set aside tax-free money from your paycheck (and receive company contributions) to help cover your costs—now, or in the future.
  2. Free money from Nutanix. Each January, or when you enroll during the year, Nutanix puts in money to jump-start your savings ($600 for individual coverage and $1,200 for all other coverage levels). You can use this to help pay a portion of your deductible, use it toward coinsurance, or save for the future.
  3. You own the account. Your HSA funds belong to you, for good. That means you can keep your HSA funds from year to year, even if you change medical plans or leave Nutanix. You have the option to invest your balance, once you meet the minimum threshold of $1,000, in a variety of investment options.
  4. Same comprehensive coverage as other Nutanix plans. The UnitedHealthcare HDHP with HSA provides the same level of comprehensive and affordable coverage as the UnitedHealthcare POS and Kaiser Permanente HMO.
  5. Lower out-of-network cost share than the UnitedHealthcare POS. If you choose to use out-of-network providers, your out-of-pocket cost share is lower with the UnitedHealthcare HDHP with HSA than the UnitedHealthcare POS plan.
Crossover Concierge Healthcare Services

If you’re enrolled in the UnitedHealthcare HDHP with HSA plan, you can access virtual and near-site concierge healthcare from Crossover. Receive primary care, physical therapy, mental health, health coaching, and fitness services from anywhere you sit at a very low cost helping you manage your healthcare costs.

You can also engage in Be Well, accessing live and on-demand classes, book a fitness assessment, and team up with a personal trainer (cost varies).

Near-site clinics include locations across the Bay Area. (In fact, one is located less than five miles from our San Jose office!)

UnitedHealthcare POS

The UnitedHealthcare POS plan covers in-network services at 100%, and there’s no annual deductible. This means when you see in-network providers for eligible services, you pay no out-of-pocket costs. You only pay the deductible and coinsurance when you use out-of-network providers.

In-network preventive services are always 100% covered—you pay nothing.

How the UnitedHealthcare POS works

  • Choose any provider: You can choose any provider each time you receive care.
  • In-network providers: Keep in mind that you receive the highest benefits when you use in-network providers: doctors, labs, hospitals, clinics and pharmacies. You also pay no deductible when you use in-network providers for eligible services.
  • Out-of-network providers: If you go to out-of-network providers, you must first pay a deductible before the plan begins paying expenses. After you meet the deductible, you typically pay a percentage of the cost, called coinsurance, and the plan will pay the remaining amount (up to the maximum amount allowed by the plan). (You may be balance billed by the provider.)
  • Prescriptions: Prescriptions are covered the same way as other medical services. It’s your choice as to which pharmacy you use, but you pay less when you use in-network pharmacies. If you use out-of-network pharmacies, you must first pay the plan’s deductible before copays apply.

Balance Bill

Your medical provider may “balance bill” when the amount they charge is more than the amount the insurance company pays. When this happens, your medical provider may bill you for amounts over what the insurance company covers.

To find in-network providers and pharmacies, visit the UnitedHealthcare website.

Kaiser Permanente HMO

Kaiser Permanente HMO is available in California only. The Kaiser Permanente HMO plan provides coverage only when you receive care from providers within the HMO network. You must use in-network providers only—doctors, hospitals, labs, clinics and pharmacies. There’s no out-of-network coverage for this plan.

You don’t have an annual deductible, and most office visits are covered after a $20 copay. Preventive services are always fully covered—you pay nothing.

When you have a copay or incur an out-of-pocket expense for an eligible service, you can use money in your Kaiser HRA—an account that Nutanix funds for employees enrolled in the Kaiser Permanente HMO plan. The Kaiser HRA is available to be used for copays and coinsurance payments for you and your covered dependents.