Eligibility

Providing great benefits and the power of choice to you and your family are just some of the ways Nutanix supports the health and wellbeing of the people who make our company successful.

You, if you’re a full-time employee

You’re generally eligible for benefits as of your hire date, if you meet all three of these requirements:

  • You’re regularly scheduled to work at least 30 hours per week.
  • You’re on the U.S. payroll.
  • You’re not a temporary employee, agency employee or consultant.

You, if you’re a part-time employee, intern or working through an apprenticeship, or the returnship program

You’re generally eligible to participate in the UnitedHealthcare Point of Service (POS) or UnitedHealthcare High Deductible Health Plan (HDHP) medical plan the first of the month following 60 days of employment, if you meet all three of these requirements:

  • You’re regularly scheduled to work at least 20 hours per week.
  • You’re on the U.S. payroll.
  • You’re not a temporary employee, agency employee or consultant.

You are not eligible for any other benefits under the Plan.

Your spouse

A spouse is the individual to whom you’re lawfully married but not legally separated.

Your domestic partner

A domestic partner is an individual of the same sex or opposite sex with whom you’re in a domestic partnership, civil union or other similar formal relationship that’s not a marriage under state law.

For your domestic partner to be eligible for Nutanix benefits, you and your partner must satisfy either of these two requirements:

  • Your domestic partner or civil union partner of the same or opposite sex that is currently certified and/or registered as such with any governmental body, pursuant to national, state, city, or local law; or
  • You have a committed relationship that has existed for at least 12 consecutive months prior to the date you’re requesting coverage for your domestic partner, you’ve maintained the same principal place of residence for at least 6 consecutive months prior to the date you’re requesting coverage, and you’re responsible to each other for the direction and financial management of your household.

Additionally, to be eligible, Domestic Partners are:

  • At least 18 years old and mentally competent;
  • Not related by blood to a degree that would prohibit marriage in your state; and
  • Not married under statutory or common law, legally separated, or in a partnership with anyone else, and neither has been in such a relationship for the last 12 months.

Your children

  • Your biological children
  • Your stepchildren
  • Your domestic partner’s children
  • Your legally adopted children, including children placed with you for adoption
  • Children for whom you’re responsible as a legal guardian or under the terms of a Qualified Medical Child Support Order (QMCSO)

Your children are eligible for health benefits through the month in which they reach age 26. They’re eligible at any age if they have a physical or mental disability, are incapable of self-support and are dependent upon you for support.

Imputed Income for Domestic Partner Coverage

Eligible domestic partners and/or their eligible children may be enrolled in medical, dental, vision and voluntary life and AD&D insurance coverage. Due to IRS regulations, if you cover a domestic partner or domestic partner's child who does not qualify as a tax dependent, the value of these benefits is generally added to your taxable income and subject to federal and state income and payroll taxes. This practice is known as "imputed income."

This means their coverage is a taxable benefit. You will pay taxes from your paycheck on that amount, and imputed income will be shown on your W-2. In addition, if you are required to pay a premium for the coverage, you will pay the premium for your domestic partner’s coverage on an after-tax basis. You can view more information about the 2022 imputed income value of benefit coverage here.

Who is not eligible?

  • Part-time employees who are scheduled to work less than 20 hours per week
  • Consultants
  • Temporary employees
  • Agency employees
 

Plan Options

The power of choice in support of you!

Nutanix believes in supporting you with truly best-in-class health coverage. Your medical plan options are designed to give you the power of choice—so you can choose the benefits that fit you and your family best. You not only have a choice of health plans, but you also have a choice about when you need care, and choice on how best to support your wellbeing throughout the year.

Benefit-eligible employees in the U.S., excluding Hawaii, may elect to enroll in the UnitedHealthcare Point of Service (POS) plan or the UnitedHealthcare High Deductible Health Plan (HDHP) with Health Savings Account (HSA). The Kaiser Permanente HMO plan is also available to full-time employees in California. Hawaii-based employees may elect to enroll in the UnitedHealthcare Preferred Provider Organization (PPO) plan.

Nutanix pays 100% of plan premiums for you and your family, which means you will not have any payroll deductions for your elected coverage.

UnitedHealthcare POS

A Point of Service (POS) plan with no annual deductible and no copays for in-network/in-plan services. Available to benefit-eligible employees in the U.S. (except Hawaii).

UnitedHealthcare HDHP with HSA

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) funded partially with contributions from Nutanix, which you can use to offset the deductible. Available to benefit-eligible employees in the U.S. (except Hawaii).

Kaiser Permanente HMO

A Health Maintenance Organization (HMO) plan with no annual deductible and $20 copays for office visits. The company-funded Health Reimbursement Account (HRA) covers the cost of your copays, up to the annual out-of-pocket maximum. Only provides coverage for in-network services. Available to full-time employees in California.

We also offer additional important benefits to support your health:

  • Crossover Concierge Health—if you’re enrolled in the UnitedHealthcare HDHP with HSA plan.
  • Virtual Visits—if you’re enrolled in the UnitedHealthcare or Kaiser plans.
  • Carenet—MyAdvocate—for all benefit-eligible employees and their families.

Virtual Visits

With UnitedHealthcare’s Virtual Visits, the doctor will come to you — whether you are at home or in the office, as long as you have a computer, an internet connection and a webcam. You can get treatment for a wide range of non-emergency medical conditions, with no appointment necessary. Virtual doctors can also prescribe medications.

This service is covered under the UnitedHealthcare as a doctor’s office visit — the plan pays 100%. This service may not be available at all times or in all locations as it differs by network providers.

To access this service, you’ll log in to www.myuhc.com/virtualvisits and choose from provider sites where you can register for a Virtual Visit, then talk with a doctor about your health concerns. You can also download the UnitedHealthcare mobile app to access Virtual Visits from your smartphone or tablet.

Refer to the Virtual Visits Overview or watch the video below to learn more about this benefit.

If you are a Kaiser HMO member, you can take advantage of Video Visits, which allow you to meet with your doctor from the comfort and convenience of your home, office or wherever you are. This is a great way to save on travel expenses and time.

Visit www.kp.org/mydoctor/videovisits or refer to the Video Visits Overview for additional information. You can also download the Kaiser mobile app to access Video Visits from your smartphone or tablet.

 

Plan Highlights

UnitedHealthcare POS

Below are highlights of the UnitedHealthcare POS. For a side-by-side comparison of all medical plans, view the Plan Comparison Chart.

Services Employee Cost: In-Network Employee Cost: Out-of-Network
Deductible $0 individual
$0 family
$6,000 individual
$12,000 family
Out-of-pocket maximum $0 individual
$0 family
$10,000 individual
$20,000 family
Office visit $0 40% (after deductible)
Specialist visit $0 40% (after deductible)
Preventive services $0 Not covered
X-ray / lab / imaging $0 40% (after deductible)
Inpatient hospital / surgery $0 40% (after deductible)
Chiropractic $0 (combined in-network and out-of-network); limit of 24 visits per year 40% (after deductible, combined in-network and out-of-network); limit of 24 visits per year
Acupuncture $0 (combined in-network and out-of-network); limit of 24 visits per year 40% (after deductible, combined in-network and out-of-network); limit of 24 visits per year
Prescriptions
Tier 1 (generics and some brand-name) Retail: $0; mail-order: $0 Retail: $10; mail-order: not covered
(after deductible)
Tier 2 (preferred brand-name) Retail: $0; mail-order: $0 Retail: $30; mail-order: not covered
(after deductible)
Tier 3 (higher-cost brand-name and select generics) Retail: $0; mail-order: $0 Retail: $50; mail-order: not covered
(after deductible)

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

UnitedHealthcare HDHP with HSA

Below are highlights of the UnitedHealthcare HDHP with HSA. For a side-by-side comparison of all medical plans, view the Plan Comparison Chart.

Services Employee Cost: In-Network Employee Cost: Out-of-Network
Deductible $1,500 individual
$3,000 family
$3,000 individual
$6,000 family
Out-of-pocket maximum $3,000 individual
$6,000 family
$6,000 individual
$12,000 family
Office visit 10% (after deductible) 30% (after deductible)
Specialist visit 10% (after deductible) 30% (after deductible)
Preventive services $0 30% (after deductible)
X-ray / lab / imaging 10% (after deductible) 30% (after deductible)
Inpatient hospital / surgery 10% (after deductible) 30% (after deductible)
Chiropractic 10% (after deductible, combined in-network and out-of-network); limit of 24 visits per year 30% (after deductible, combined in-network and out-of-network); limit of 24 visits per year
Acupuncture 40% (after deductible, combined in-network and out-of-network); limit of 24 visits per year 30% (after deductible, combined in-network and out-of-network); limit of 24 visits per year
Prescriptions
Services Employee Cost: In-Network Employee Cost: Out-of-Network
Tier 1 (generics and some brand-name) 10% (after deductible) 30% (after deductible)
Tier 2 (preferred brand-name) 10% (after deductible) 30% (after deductible)
Tier 3 (higher-cost brand-name and select generics) 10% (after deductible) 30% (after deductible)

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

Kaiser Permanente HMO (CA Employees Only)

Below are highlights of the Kaiser Permanente HMO. For a side-by-side comparison of all medical plans, view the Plan Comparison Chart.

Services Employee Cost In-Network Only
Deductible $0 individual
$0 family
Out-of-pocket maximum $1,500 individual
$3,000 family
Most primary care visits $20
Most specialist care visits $20
Preventive services $0
X-ray / lab $10 per encounter
Imaging $50 per encounter
Inpatient hospital / surgery $250 per admission
Ambulance $100 per trip
Emergency $50 per visit
Acupuncture and chiropractic $15 copay, up to 20 visits per year combined
Prescriptions
Generic Plan pharmacy: $10 per prescription for 1 to 30 days
Mail-order: usually two times the plan pharmacy cost sharing for up to a 100-day supply
Preferred brand / non-preferred brand / specialty Plan pharmacy: $10 per prescription for 1 to 30 days
Mail-order: usually two times the plan pharmacy cost sharing for up to a 100-day supply
 

UnitedHealthcare POS

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

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

Nutanix pays 100% of the medical plan cost for you and your family—this means no paycheck deductions for your coverage.

Note: Hawaii-based employees may elect to enroll only in the UnitedHealthcare PPO plan.

How the UnitedHealthcare POS Plan Works

You can choose any in-network or out-of-network provider each time you receive care. But keep in mind: you receive the highest benefits when you use in-network providers: doctors, labs, hospitals, clinics and pharmacies.

If you go to out-of-network providers, you will have to meet a deductible before the plan begins paying expenses. After the deductible, you’ll typically pay a percentage of the cost, called coinsurance, and the plan will pay up to the maximum plus you may be “balance billed” for the rest by the provider.

The same is true when you receive prescriptions. There is no out-of-pocket cost to you when you use in-network retail or mail-order pharmacies for prescriptions on the formulary list (visit myuhc.com for an updated list). It’s your choice if you want to use out-of-network pharmacies, but when you do, you will first have to meet a deductible and then pay a $10 to $50 copay.

To find in-network providers and pharmacies, go to myuhc.com.

Refer to the benefit summary below that corresponds with your location for additional plan details:

Transgender Health Benefits

Nutanix strives to support our employees across their diverse set of needs. Our UHC medical plans* provide transgender health benefits that aligns with the World Professional Association for Transgender Health (WPATH). This includes:

  • Mental health coverage (including online therapy)
  • Hormone therapy (pre- and post-surgery)
  • Breast/chest/genital surgery and reconstruction
  • Voice and communication therapy
  • Non-breast/genital surgery
  • Tracheal shave
  • Rhinoplasty
  • Facial bone reduction/reconstruction
  • Laryngoplasty/vocal cord (voice surgery)
  • Abdominoplasty
  • Liposuction/lipofilling
  • Permanent or other hair removal
  • Hair implants/wigs
  • Implants
  • Treatment covered for reversal

* Except UHC Hawaii PPO Plan

To discuss your specific needs with a transgender member specialist, contact UnitedHealthcare at 844-636-5296 (reference group number 905005).

 

UnitedHealthcare HDHP with HSA

The UnitedHealthcare High Deductible Health Plan (HDHP) with Health Savings Account (HSA) provides robust coverage whether you use in-network or out-of-network providers—though you always pay less when you seek in-network care. This plan has an annual deductible to satisfy, and then you pay a portion of your costs, called coinsurance.

In-network preventive services are always fully covered—you pay nothing. You are also covered when you seek preventive services out-of-network subject to the deductible and cost share.

Nutanix pays 100% of the medical plan cost for you and your family—this means no paycheck deductions for your coverage.

Note: Hawaii-based employees may elect to enroll only in the UnitedHealthcare PPO plan.

How the UnitedHealthcare HDHP with HSA Works

The HDHP has two parts:

  1. A medical plan. The plan has an annual deductible, which is offset by Nutanix contributions to your HSA. After you meet the deductible, there is a 10% cost share for most in-network services and a 30% cost share if you seek out-of-network care—this is a lower cost share for out-of-network coverage than the UHC POS plan.

    This plan has a deductible which is offset by an HSA. When you choose out-of-network care, your deductible and cost share is less than the UHC POS plan.

  2. A Health Savings Account (HSA). This tax-advantaged account allows you to pay for eligible healthcare expenses on a pre-tax basis, or save for the future. Nutanix gets you started by contributing $600 for employee-only coverage or $1,200 for family coverage at the beginning of the year (the contribution is prorated if you enroll during the plan year). You can also make contributions of your own, saving up to the annual maximum limit set by the IRS. Any money you put in 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 and pharmacies, go to UnitedHealthcare.

Refer to the UHC 2022 HDHP/HSA Summary of Benefits and Coverage for additional plan details.

Crossover Concierge Healthcare Service

If you’re enrolled in the UHC HDHP medical plan, you can access virtual and near-site concierge healthcare from Crossover.

Transgender Health Benefits

Nutanix strives to support our employees across their diverse set of needs. Our UHC medical plans* provide transgender health benefits that aligns with the World Professional Association for Transgender Health (WPATH). This includes:

  • Mental health coverage (including online therapy)
  • Hormone therapy (pre- and post-surgery)
  • Breast/chest/genital surgery and reconstruction
  • Voice and communication therapy
  • Non-breast/genital surgery
  • Tracheal shave
  • Rhinoplasty
  • Facial bone reduction/reconstruction
  • Laryngoplasty/vocal cord (voice surgery)
  • Abdominoplasty
  • Liposuction/lipofilling
  • Permanent or other hair removal
  • Hair implants/wigs
  • Implants
  • Treatment covered for reversal

* Except UHC Hawaii PPO Plan

To discuss your specific needs with a transgender member specialist, contact UnitedHealthcare at 844-636-5296 (reference group number 905005).

 

Kaiser Permanente HMO

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

You do not 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 in-network out-of-pocket costs with this plan, you can generally be reimbursed through your Kaiser HRA — an account Nutanix funds for employees enrolled in the Kaiser HMO plan.

Nutanix pays 100% of the medical plan cost for you and your family—this means no paycheck deductions for your coverage.

To find a network provider, visit Kaiser Permanente.

Refer to the Kaiser: 2022 Benefit Summary (NorCal) or Kaiser: 2022 Benefit Summary (SoCal) for additional plan details, or watch the following videos to learn more:

Kaiser Permanente App

Want to see how the Kaiser Permanente app offers a simple and easy way to manage your family’s health needs? Check out this short video to learn more.

 

Kaiser HRA

A Health Reimbursement Account or HRA is an account that is owned and funded by Nutanix to help you pay for covered in-plan / in-network healthcare services.

When you enroll in the Kaiser HMO plan, Nutanix funds an HRA that you can use to reimburse the annual out-of-pocket costs. For 2022, Nutanix will fund:

  • Individual: $1,500
  • Family: $3,000

The HRA is managed by HealthEquity.

  • The HRA is available to be used for copays and coinsurance payments to the Kaiser HMO plan for you and your covered dependents.
  • You will pay for your copay or coinsurance out of pocket and submit eligible medical claims to HealthEquity for reimbursement.

Visit the HealthEquity portal to learn more about this benefit or review the HRA Claims Guide to learn more about how to file your HRA claims. Watch this helpful webinar “Introduction to your Kaiser HRA” hosted by HealthEquity, which includes specific information about how Nutanix’s HRA works.

 

Carenet—MyAdvocate

Carenet—MyAdvocate provides personalized support and assistance for a range of healthcare questions and issues, including helping you learn more about how to choose using your benefits, coordination of care services, and navigating billing and claims. Using MyAdvocate’s services is optional, but when you do, be assured your health information and the services provided are completely confidential.

MyAdvocate’s services include helping you:

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Compare and choose benefit plans and coverage

Understand and use a tax-advantaged account like an HSA or FSA

Reduce your out-of-pocket costs through mail-order prescriptions and lower-cost imaging facilities

Learn about Medicare enrollment processes

Find and select an in-network doctor, dentist or facility

Get referrals, appointments and transportation scheduled

Identify centers of excellence for complex treatment needs

Research and resolve billing errors or claims issues

Coordinate care such as in-home, assisted living, skilled nursing and hospice

To get started, check out the overview, guide and service comparison​. You can also call MyAdvocate at 1-833-968-1775 or go to myadvocateservices.com.

 

Crossover

Crossover offers virtual and near-site concierge healthcare, available only to members enrolled in the UHC HDHP.

Crossover is a unique and comprehensive private health center care experience that combines advanced health management services and exceptional member experiences.

As a member, you always get highly customized care, building a relationship with your providers, who work closely with you to achieve your health-related goals—check out how it works. Crossover is an in-network facility, so you won’t pay more for top-quality service. Learn more.

Virtual Services are available from anywhere with their digital-first, integrated care, including:

  • Mental Health—for issues related to anxiety, stress, depression, grief, substance overuse
  • Primary Care—for sick care, minor injuries, and for managing chronic conditions like diabetes or high blood pressure
  • Physical Therapy—to treat pain in neck, back, and body, and rehabilitation plans for surgeries or injuries, plus safe and personalized strength/stretching plans
  • Care Navigation—to book nearby in-person appointments or tests you may need outside of Crossover, manage medical records and prescription orders

You can visit a near-site clinic to get care, see providers in person, including seeing a chiropractor or acupuncturist, get an eye exam, or choose some new frames. Near-site clinics include locations across the Bay Area (one located less than five miles from our San Jose office!)—check out this virtual tour.

 

Opt-Out Credit

You are able to opt out of medical coverage if you have other Minimum Essential Coverage. If that applies, you will receive a $200 per month credit. Nutanix follows the Internal Revenue Service (IRS) notice on how opt-out credits impact the affordability of employer-sponsored health coverage.

By opting out of medical coverage provided by Nutanix, you are required to provide proof of your enrollment in other Minimum Essential Coverage (generally, other employer-sponsored group medical plan coverage). During the enrollment process, you will be required to attach documentation of your coverage, which includes your name, coverage period start date and active status. Typically, this documentation can be found on your insurance provider website under view/print member ID.

Please note:

  • Other Minimum Essential Coverage cannot be individual coverage or coverage obtained through the public marketplace.
  • If you cannot provide reasonable evidence that you are enrolled in Minimum Essential Coverage, you must enroll in a Nutanix medical plan.

Once reviewed and approved, you will receive your opt-out credits on a go forward basis each paycheck. This credit does not apply when opting out of dental or vision coverage.

For further questions, contact The People Team by opening a ServiceNow ticket.