Belong

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 Medical Plans | UnitedHealthcare CDHP – HSA | UnitedHealthcare POS (Choice Plus & Select Plus) | Express Scripts – Prescription (Rx) | Kaiser Permanente HMO

Key Features at a Glance:

No premiums for employee coverage,

but you pay a portion of the premium when you cover your dependents.

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 Medical Plans

How our medical plans stack up

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

All Nutanix medical plans include free employee coverage

For employee coverage, Nutanix pays 100% of the premium (the cost for your chosen plan). This means there are no payroll deductions to be covered by a Nutanix medical plan.

For dependents, you pay a portion of the premium each pay period. The cost depends on the plan you choose and who you cover.

UnitedHealthcare CDHP – HSA

Administered by: UnitedHealthcare

A Consumer Driven Health Plan (CDHP) 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).

Details
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).

Details
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 cover the cost of your copays and coinsurance.

Available to full-time employees in California only.

Details
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.

Details
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 CDHP – HSA right for me?

If you answer yes to one or more of these questions, the UHC CDHP – 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 on a federal basis?

Other considerations to determine if the UHC CDHP – 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 all other 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.
Gender Affirmation Benefits

Nutanix strives to support 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 are covered by Nutanix medical plans.* This includes fertility services, family-forming paths to parenthood, abortion care, as well as menopause and low testosterone support

For more details, visit Support for Reproductive Healthcare.

*Except UHC Hawaii PPO plan

UnitedHealthcare CDHP – HSA

When you choose the UnitedHealthcare Consumer Driven Health Plan (CDHP – HSA), you choose to take control of your healthcare spending. Best of all, you get a personal Health Savings Account (HSA) —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 CDHP – 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 Choice Plus plan. This plan uses the same network of doctors as the UnitedHealthcare POS Choice Plus plan. Unlike our other medical plans, this plan doesn’t have visit limits for physical therapy, occupational therapy, and speech therapy for an autism diagnosis.

    Find in-network providers. Learn more about prescription drug benefits.
  1. A Health Savings Account (HSA). This is a triple tax-advantaged savings account. 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. 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 jumpstarts your savings each year by contributing $800 for employee-only coverage or $1,600 for family coverage. (The annual amount is prorated if you enroll in the plan midyear.) You can also make your own pre-tax contributions of your own through payroll deductions, saving up to the IRS annual maximum limit. Learn more about the HSA.
Why choose the UnitedHealthcare CDHP – 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 ($800 for individual coverage and $1,600 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 CDHP – HSA provides a similar level of comprehensive and affordable coverage as the UnitedHealthcare POS Choice Plus and Kaiser Permanente HMO.
  5. Lower out-of-network costs than the UnitedHealthcare POS Choice Plus. If you choose to use out-of-network providers, your out-of-pocket costs are lower with the UnitedHealthcare CDHP – HSA than the UnitedHealthcare POS Choice Plus plan.
Exclusive Access to Crossover Concierge Healthcare Services

If you’re enrolled in the UnitedHealthcare CDHP – HSA, 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 or at other near-site clinics around the country such as in Texas and New York.

UnitedHealthcare POS (Choice Plus & Select Plus)

The UnitedHealthcare (UHC) POS has two different plans: Choice Plus and Select Plus. UHC Select Plus is available in California, and UHC Choice Plus is available in all other states. Both plans cover in-network services at 100% and have 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: 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 pays the remaining amount (up to the maximum amount allowed by the plan). (You may be balance billed by the provider.)
  • Prescriptions: You may choose which pharmacy you use, but you pay no deductible and no copays 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 (Rx)

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

  • UnitedHealthcare CDHP – HSA
  • UnitedHealthcare POS Choice Plus
  • UnitedHealthcare POS Select Plus
UnitedHealthcare CDHP – 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. This plan provides coverage only when you receive care from providers within the HMO network—including 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 an eligible healthcare expense arises, you’re reimbursed by using money in your Kaiser HRA—an account that Nutanix funds. The Kaiser HRA is available to be used for copays and coinsurance payments for you and your covered dependents. The Nutanix contribution is enough to cover your expenses up to the annual out-of-pocket maximum. Any eligible expenses incurred after your annual out-of-maximum is met are covered at 100%.