Save Money on Health Care

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Use In-Network Providers

A network is a group of doctors, labs, hospitals, specialists and other health care providers or facilities that your health care plan has contracted with to pay those providers a certain amount. When you see providers under this contract, it’s considered “in-network.” These set payment rates are often called “eligible expenses,” “payment allowances” or “negotiated rates.” The advantage to you is providers cannot bill you for more than the negotiated rate.

Don’t worry about the jargon, though—what’s most important for you is that you’ll pay less when you get care in-network because your deductible, copays and coinsurance are lower than if you visit out-of-network providers. While you have the freedom to see any licensed provider, non-network providers can bill you for amounts over R&C (reasonable and customary), and those amounts do not apply to your out-of-pocket maximum.

The Health Savings Plan and the Traditional Plan share the same network.

To find Anthem in-network providers, visit www.anthem.com/ca and use the Find a Doctor tool. Select National PPO (BlueCard PPO) from the drop down options for Plan/Network.

Maximize Your Preventive Care Benefits

Preventive care helps keep you from getting seriously sick—like immunizations and annual physicals. Living a healthy lifestyle includes taking advantage of preventive care services to maintain your health and prevent disease.

All NetApp medical plans cover 100% for in-network preventive care services such as annual check-ups, immunizations and age-appropriate screenings. That means you pay nothing—so there’s no reason not to get preventive care!

Use Telehealth by MDLIVE for Basic Health Care Needs

If you are enrolled in the Traditional Plan or Health Savings Plan, you can use MDLIVE to have an affordable e-visit with a doctor for help with basic urgent care needs—allergies, cold and flu symptoms, ear infections and more. MDLIVE doctors are available 24/7/365 through secure video or phone.

  • If you’re enrolled in the Traditional Plan, you’ll pay only $20 per consultation.
  • If you’re enrolled in the Health Savings Plan, you’ll pay only $38 per consultation.

In 2018: Telemedicine by LiveHealth Online

Beginning January 1, 2018, the Anthem telemedicine provider is changing to LiveHealth Online—a new way to access live, face-to-face doctor consultations, including behavioral health benefits with a psychiatrist or psychologist.

Simply visit www.livehealthonline.com or use the LiveHealth Online mobile app. It’s convenient, confidential and available 24/7, and it costs the same (or less!) as a regular office visit.

Enroll in the Health Care Flexible Spending Account (FSA)

This account lets you set aside pre-tax dollars to pay for eligible out-of-pocket expenses that aren’t covered by your medical plan. Use the account for yourself and any dependents who qualify as dependents on your federal income tax return. To make things even easier, you pay for services directly with a convenient FSA debit card. You can enroll in the FSA even if you aren’t enrolled in a NetApp medical plan.

Some things you can pay for are:

  • Copays
  • Prescriptions
  • Dental expenses
  • Vision expenses
  • Orthodontia

WageWorks® is our vendor for all flexible spending accounts (FSAs). WageWorks makes it easy to manage your FSAs.

  • The WageWorks Healthcare Card is the quick and easy way to pay for eligible expenses with your Health Care FSA. Use your card to pay directly from your WageWorks benefit account—just swipe and go.
  • Less hassle submitting receipts—most card transactions are automatically verified at checkout.
  • With the EZ Receipts® mobile app, you can log in to your WageWorks account and check your balances, submit claims, snap and submit photos of receipts—all on the go.

You can set aside up to $2,550 tax-free in your health care FSA for 2017, and up to $2,600 for 2018.

You can enroll in the FSA and set your contribution amount only during open enrollment (unless you experience a qualified life event such as birth or marriage). However, you can’t enroll in a health care FSA if you have an HSA.

This FSA isn’t quite “use it or lose it”: You can roll over up to $500 in unused funds at the end of the calendar year. Plan your yearly spending carefully, though: The “use it or lose it” rule still applies to any health care FSA funds over $500.

Enroll in the HSA Compatible Flexible Spending Account (FSA)

If you are contributing to a health savings account (HSA), you can’t enroll in the health care FSA. However, you may participate in the HSA Compatible FSA. This FSA lets you use pre-tax dollars, ($2,550 for 2017 and $2,600 for 2018) to pay for eligible dental and vision expenses for you and family members who qualify as dependents for federal income tax purposes.

The HSA Compatible FSA may be a good fit for you because it allows you to save your HSA dollars for current medical expenses or to keep the money for the future.

WageWorks® is our vendor for all flexible spending accounts (FSAs). WageWorks makes it easy to manage your FSAs.

  • The WageWorks Healthcare Card is the quick and easy way to pay for eligible expenses with your HSA Compatible FSA. Use your card to pay directly from your WageWorks benefit account—just swipe and go.
  • Less hassle submitting receipts—most card transactions are automatically verified at checkout.
  • With the EZ Receipts® mobile app, you can log in to your WageWorks account and check your balances, submit claims, snap and submit photos of receipts—all on the go.

You can set aside up to $2,550 tax-free in your HSA Compatible FSA in 2017, and up to $2,600 for 2018.

Like the health care FSA, the HSA Compatible FSA isn’t quite “use it or lose it”: You can roll over up to $500 in unused funds at the end of the calendar year. Plan your yearly spending carefully, though: The “use it or lose it” rule still applies to any HSA Compatible FSA funds over $500.

For more on the WageWorks HSA Compatible Flexible Spending Account (FSA), read the Quick Start Guide [PDF].

Save Now and for the Future with the Health Savings Account (HSA)

If you enroll in the Health Savings Plan, you’ll automatically be enrolled in an HSA. However, you must accept the HSA terms and conditions to open your account and receive NetApp's contributions.

The HSA offers big advantages that you help you save on eligible health care expenses—now and in the future!

  • No taxes* on your contributions.
  • No taxes* on your interest or investments.
  • No taxes* when you withdraw money to pay for eligible health care expenses.
  • No “use it or lose it,” so your balance grows year over year.
  • You own the money in your account and can take it with you if you change medical plans, retire or leave NetApp.
  • Opportunities to invest your account once it reaches $1,000.
  • A contribution from NetApp—we’ll contribute $800** to your HSA ($1,600 if you cover dependents).

* Applies to federal income taxes only. Some states, including California, tax HSA funds.

** If you join the company after June 30, NetApp will contribute $400 for individual coverage ($800 if you cover dependents).