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 Choice Plus & Select Plus | Express Scripts – Prescription | 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

How our medical plans stack up

Nutanix supports your needs by providing a playbook with different medical plan options. The coverage you find with the Nutanix medical plans is truly best-in-class. You can choose the plan that is 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. Because you are a valuable member of the Nutanix team, we want to keep you strong all year long.

All 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. For helpful information about the Nutanix UnitedHealthcare plan options, click here.

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

UnitedHealthcare POS Choice & Select Plus

Administered by: UnitedHealthcare

A Point of Service (POS) plan with no annual deductible and no copays for in-network eligible services. For helpful information about the Nutanix UnitedHealthcare plan options, click here.

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. For helpful information about the Nutanix UnitedHealthcare plan options, click here.

*Available to Hawaii-based employees only.

Can’t remember which medical plan you elected?

To get a reminder about which medical plan you elected for the current year, log into Workday:

  • Select the Benefits icon from the drop-down menu.
  • View > Benefit Elections.

A snapshot of how the plans compare

This comparison chart shows highlights of what each medical plan covers, along with your costs under each option.

Is the UHC HDHP with HSA right for me?

If you answer yes to one or more of these questions, the HDHP with HSA may be the right choice for you:

  • Do you have minimal or no medical concerns and typically only visit the doctor for your annual wellness checkup?
  • Are your doctors in-network providers with UnitedHealthcare?
  • Would you like to receive care at the near-site and virtual clinic for preventive care, physical therapy, or health coaching?
  • Could you pay for the balance of the deductible using your savings in the HSA?
  • Do you want to take advantage of triple tax savings?

Other considerations to determine if the HDHP with HSA is a good fit:

  • Do you need access to unlimited therapies, such as occupational or speech? This plan has no limits for in- or out-of-network therapy visits.
  • Do you have medications that you take regularly? Unless your medications are preventive, keep in mind that you’ll need to first meet the annual deductible for most prescription drugs. Before you meet the deductible, you can estimate what you’ll pay for your medications on the Express Scripts website (log into your account, find the "Prescriptions" menu, then choose "Price a Medication").
  • Do you use any doctors who are considered out-of-network providers with UnitedHealthcare? While you can use any provider, the plan covers a larger percentage of the costs when you stay inside the UnitedHealthcare network.

Want to see the HDHP with HSA in action? Check out these two employee examples to see how you can save money over time.

Gender Affirmation 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 Gender-Affirming Health Benefits.

*Except UHC Hawaii PPO plan

Reproductive Healthcare

Reproductive healthcare services, including abortion care and menopause support, are covered by Nutanix medical plans.

For more details, visit Support for Reproductive Healthcare.

*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 plan 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 Choice Plus plan. This plan uses the same network of doctors as the UnitedHealthcare Choice Plus 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 $750 for employee-only coverage or $1,500 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.

To find in-network providers, visit the UnitedHealthcare website. To find in-network pharmacies, visit the Express Scripts website or learn more about prescription drug benefits here.

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 ($750 for individual coverage and $1,500 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 Choice Plus and Kaiser Permanente HMO.
  5. Lower out-of-network cost share than the UnitedHealthcare Choice Plus. 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 Choice Plus plan.
Exclusive Access to 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!) For employees outside California, Crossover can be accessed via virtual visits.

UnitedHealthcare Choice Plus & Select Plus

The UnitedHealthcare (UHC) Choice Plus and Select Plus are the same plans—the only difference is the UHC Select Plus applies to California and UHC Choice Plus applies to all other states. Both plans cover 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. For out-of-network providers, you pay the deductible and coinsurance.

How the plan 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, except the deductible does not apply. You may choose which pharmacy you use, but you pay less when you use in-network pharmacies. Learn more about prescription drug benefits.

Balance Bill

Your out-of-network 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, visit the UnitedHealthcare website. To find in-network pharmacies, visit the Express Scripts website.

Express Scripts – Prescription

Express Scripts provides prescription drug coverage for the following medical plans:

  • UnitedHealthcare HDHP with HSA
  • UnitedHealthcare Choice Plus
  • UnitedHealthcare Select Plus
UnitedHealthcare HDHP with HSA UnitedHealthcare POS Choice & Select Plus
PHARMACY Employee Pays* Employee Pays*
In-Network Out-of-Network In-Network Out-of-Network
Tier 1 (generics and some brand names) 10% (after deductible) 30% (after deductible) Retail: $0
Mail-order: $0
Retail: $10 (after deductible)
Mail-order: Not covered
Tier 2 (preferred brand names) 10% (after deductible) 30% (after deductible) Retail: $0
Mail-order: $0
Retail: $30 (after deductible)
Mail-order: Not covered
Tier 3 (higher-cost non-preferred brand names and select generics) 10% (after deductible) 30% (after deductible) Retail: $0
Mail-order: $0
Retail: $50 (after deductible)
Mail-order: Not covered

* Retail: Up to a 30-day supply. Mail-order: Up to a 90-day supply.

To learn more about prescription drug coverage:

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 Nutanix contribution is enough to cover your expenses up to the annual out-of-pocket maximum. The Kaiser HRA is available to be used for copays and coinsurance payments for you and your covered dependents.