Choosing a Medical Plan

Medical Plans at a Glance

  Health Savings Plan Traditional Plan Kaiser HMO (CA only)

What are my annual medical paycheck contributions?

Lower

2017:

  • Employee only: $650
  • Employee + spouse/DP: $2,600
  • Employee + child(ren): $1,950
  • Employee + family: $3,900

Higher

2017:

  • Employee only: $1,430
  • Employee + spouse/DP: $4,550
  • Employee + child(ren): $3,380
  • Employee + family: $6,500

Higher

2017:

  • Employee only: $1,430
  • Employee + spouse/DP: $4,550
  • Employee + child(ren): $3,380
  • Employee + family: $6,500

2018:

  • Employee only: $780
  • Employee + spouse/DP: $2,990
  • Employee + child(ren): $2,210
  • Employee + family: $4,550

2018:

  • Employee only: $1,560
  • Employee + spouse/DP: $4,940
  • Employee + child(ren): $3,640
  • Employee + family: $7,150

2018:

  • Employee only: $1,560
  • Employee + spouse/DP: $4,940
  • Employee + child(ren): $3,640
  • Employee + family: $7,150
Does NetApp contribute to my HSA?

Yes

NetApp automatically contributes $800 (individual)/$1,600 (family).

No

The HSA is not available for this plan.

No

The HSA is not available for this plan.

Can I contribute to an HSA?

Yes

In 2017, you can contribute up to $3,400 (individual)/$6,750 (family).

In 2018, you can contribute up to $3,450 (individual)/$6,900 (family) pre-tax.

The dollars are yours to use or save for future medical expenses.

No

The HSA is not available for this plan.

No

The HSA is not available for this plan.

Flexible spending account (FSA) contribution option

HSA Compatible FSA

In 2017, you can contribute up to $2,550 pre-tax to use for eligible dental and vision expenses.

In 2018, you can contribute up to $2,600 pre-tax to use for eligible dental and vision expenses.

You may roll over up to $500 in unused funds remaining at the end of the calendar year.

Health Care FSA

Contribute up to $2,550 pre-tax in 2017 to use for eligible medical, dental and vision expenses.

Contribute up to $2,600 pre-tax in 2018 to use for eligible medical, dental and vision expenses.

You may roll over up to $500 in unused funds remaining at the end of the calendar year.

Health Care FSA

Contribute up to $2,550 pre-tax in 2017 to use for eligible medical, dental and vision expenses.

Contribute up to $2,600 pre-tax in 2018 to use for eligible medical, dental and vision expenses.

You may roll over up to $500 in unused funds remaining at the end of the calendar year.

What’s my annual deductible?

In 2017:

  • $1,300 (individual)/$2,600 (family)

In 2017:

  • In-network: $500 (individual)/$1,250 (family)
  • Out-of-network: $700 (individual)/$1,750 (family)

None

In 2018:

  • $1,400 (individual)/$2,800 (family)
  • The money NetApp gives you can be used to cover much of your annual deductible.

In 2018:

  • In-network: $600 (individual)/$1,500 (family)
  • Out-of-network: $800 (individual)/$2,000 (family)

None

What is my annual out-of-pocket maximum?

In 2017:

  • $2,500 (individual)/$5,000 (family)

The out-of-pocket maximum is combined in-network and out-of-network and includes prescription drugs.

In 2017:

  • In-network: $2,500 (individual)/$5,000 (family)
  • Out-of-network: $5,000 (individual)/$10,000 (family)

All copays, including prescription drugs, apply toward the out-of-pocket maximum.

In 2017:

  • $1,500 (individual)/$3,000 (family)
All copays, including prescription drugs, apply toward the out-of-pocket maximum.

In 2018:

  • $2,600 (individual)/$5,200 (family)

The out-of-pocket maximum is combined in-network and out-of-network and includes prescription drugs.

In 2018:

  • In-network: $2,600 (individual)/$5,200 (family)
  • Out-of-network: $5,200 (individual)/$10,400 (family)

All copays, including prescription drugs, apply toward the out-of-pocket maximum.

In 2018:

  • $1,500 (individual)/$3,000 (family)
All copays, including prescription drugs, apply toward the out-of-pocket maximum.

What is my in-network coinsurance (percent of costs I will pay) after the deductible?

Once you meet the deductible, you share costs with the plan on services such as lab and X-rays, hospitalization and surgery (in- or out-patient). You pay 10% for in-network and 30% for out-of-network providers.

Once you meet the deductible, you share costs with the plan on services such as lab and X-rays, hospitalization and surgery (in- or out-patient). You pay 10% for in-network and 30% for out-of-network providers.

You pay coinsurance for certain services, such as durable medical equipment.

The amount of coinsurance varies by service.
Do I pay copays for services and prescriptions?

No. You pay 100% for services and prescriptions until you meet the deductible. Once you meet the deductible, you share costs with the plan.

Prescription benefits are delivered by CVS/caremark.

Yes

Prescription benefits are delivered by CVS/caremark.

Yes

Do I have to use a network doctor?

No, you can use providers outside the network, but you pay more.

No, you can use providers outside the network, but you pay more.

Yes

How is in-network preventive care covered?

100% covered

100% covered

100% covered

What do I pay for prescription drugs?

After you meet the deductible, you share costs with the plan and pay 10% for in-network pharmacies and 30% for out-of-network pharmacies for prescription drugs. Preventive prescription drugs are covered at 100% and are not subject to the deductible.

You pay copays for prescription drugs as follows:

In 2017:

  • Generic: $5
  • Brand: $20
  • Non-Preferred brand: $50

You pay copays for prescription drugs as follows:

In 2017:

  • Generic: $5
  • Brand: $20
 

You pay copays for prescription drugs as follows:

In 2018:

  • Generic: $10
  • Brand: $25
  • Non-Preferred brand: $50

You pay copays for prescription drugs as follows:

In 2018:

  • Generic: $10
  • Brand: $25

What's important to you?

  HEALTH SAVINGS PLAN Traditional Plan Kaiser HMO (CA only)

Amount I’ll contribute from my paycheck?

Lower

Higher

Higher

Flexibility to go in and out of network?

Yes

Yes

No

Long-term savings potential?

Yes

Only the HSP offers the Health Savings Account (HSA), which:

  • Gets funded by dollars from NetApp and pre-tax contributions from you.
  • Is yours to keep.
  • Can grow year over year—making it a valuable savings tool for retirement.
  • You can invest, once your balance reaches $1,000.

No

  • The HSP deductible is higher—but it’s offset by your lower paycheck contributions and by NetApp’s contribution to your HSA.
  • Once you meet the deductible, you and the plan share costs through coinsurance, up to the out-of-pocket maximum.

No

Deductible to meet before plan starts sharing in costs?

Yes

Once you meet the deductible, you and the plan share costs through coinsurance, up to the out-of-pocket maximum.

It depends.

  • You pay copays for physician office visits, ER visits, urgent care and prescription drugs.
  • Deductible applies to other services such as surgery and hospitalization.

No

Flat copay

No

You pay the full cost until you meet the deductible, then you pay coinsurance.

Yes

You pay for physician office visits, ER visits, urgent care and prescriptions.

Yes

You pay for physician office visits, ER visits, urgent care and prescriptions.

Coinsurance

Yes

After the deductible is met, you pay 10% for in-network and 30% of eligible out-of-network costs. You pay any costs above reasonable and customary.

Yes

After the deductible is met, you pay 10% for in-network and 30% of eligible out-of-network costs (aside from services covered by a flat copay). You pay any costs above reasonable and customary.

Yes

You pay coinsurance for certain services, such as durable medical equipment.

The amount of coinsurance varies by service.

Preventive care prescriptions

100% covered and not subject to deductible.

You pay copays for prescriptions.

You pay copays for prescriptions.