You have several medical plans to choose from, depending on where you live. Some plan features are standard. For example, all of your options cover preventive care at no cost to you, offer generous coverage for prescription medications [PDF], and provide the financial protection you need in the event of a major illness or injury. In addition, Cigna and Kaiser provide coverage for in vitro fertilization (IVF) (see our Family Building page to learn more). See a detailed plan comparison [PDF] here and view our Cigna Microsite and Kaiser Microsite for additional details on the plans.
Other features may be unique to a particular plan. Picking the right plan depends on your healthcare needs and your budget.
The NVIDIA HSA, NVIDIA HSA Plus, and NVIDIA PPO medical plans use Cigna’s Open Access Plus (OAP) Network of hospitals and physicians for in-network services. Participants in MA use the Open Access Plus—CareLink (OAPC) Network. Find OAP and OAPC-participating providers on the Cigna website.
The Kaiser HSA and Kaiser HMO use their own network of doctors and facilities. Find participating providers on the Kaiser website.
You have a lot going on in your life. Sometimes it can be hard just to get through your daily routine, let alone dedicate time and energy to your health. But when a healthcare need arises, Cigna can offer peace of mind. Here’s a look at the generous support and resources available to all NVIDIA employees enrolled in a Cigna medical plan:
Get all the details about what’s offered by visiting the Cigna site or calling Cigna One Guide, available 24/7/365, at 1-855-5-NVIDIA (1-855-568-4342).
Struggling to choose between the HSA, PPO, and Kaiser HMO plans? Here’s how they stack up.
Premiums—With an HSA plan, you’ll pay less per paycheck in exchange for higher deductibles. If you’re in good health and use your medical plan mainly for preventive or routine care, an HSA plan might be good for you. PPO and Kaiser HMO plans have higher premiums, which means you’ll pay more per paycheck, but lower deductibles. Check out the medical plan cost comparison tool to see which plan works best for your healthcare needs.
Tax advantages—While most medical plan premiums are pre-tax, there are two additional tax-saving methods: Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs). With a PPO or Kaiser HMO plan, you can enroll in an FSA, which allows you to contribute up to $3,200. With an HSA plan, you can enroll in an HSA that allows you to contribute up to $4,150 for individuals and $8,300 for families. (People 55 and older can stash away an extra $1,000.) and get up to $3,000 in contributions from NVIDIA [PDF]. Aside from the limits, the big distinction between an FSA and an HSA is how you can use these accounts over time. Funds deposited in an FSA must be used within the plan year, while HSA funds can be rolled over indefinitely and saved for the future. The plan you choose is up to you based on your financial situation.
Location of care—Both the HSA and PPO plans have in-network and out-of-network coverage. The Kaiser HMO plans are in-network only. If having flexibility and choice of where to go for care are important to you, consider the HSA and PPO plans.
Pay $0 out of your paycheck each month! Plus, enjoy robust coverage and all the benefits of the Health Savings Account.
With this health plan, you get greater control over your healthcare spending, low payroll deductions, in- and out-of-network coverage, and tax-free savings from a Health Savings Account (as well as a contribution from NVIDIA).
This plan offers higher payroll deductions in exchange for predictable in-network costs. It also includes 90% coverage for in-network hospitalization, but no tax savings from the Health Savings Account (and no NVIDIA contribution to your HSA).
Get all the benefits of a medical plan with a Health Savings Account, plus the familiarity of the Kaiser network.
HMO plans offer no annual deductible and predictable copays when you need care. You must use in-network providers for your care. This plan doesn't allow for tax savings from the Health Savings Account (and no NVIDIA contribution to your HSA).
This plan offers coverage within the state of Hawaii only. UHA is a Preferred Provider Organization (PPO) plan that provides comprehensive medical benefits, paying 90% of the eligible charge for most services rendered by a participating provider.
Join New Hire Weekly Office Hours and connect with a Kaiser or Cigna representative to discuss your needs or join the Benefits Office Hours to discuss the difference between HSA and non-HSA plans.
If you elect to waive medical coverage, you'll receive up to a $1,200 credit annually distributed evenly across your paychecks. To waive medical coverage, log into the U.S. Benefits Enrollment Site.
Please note: if you have a spouse, domestic partner, or any other eligible family member employed at NVIDIA, you may not cover each other and only one of you may cover your eligible family members. One of you may decline benefits, but no waive credit will be paid.
NVIDIA HSA Plan [PDF]
NVIDIA HSA Plus Plan [PDF]
NVIDIA PPO Plan [PDF]
Kaiser CA HMO [PDF]
Kaiser CA HSA [PDF]
Kaiser Care for Travel in Other Service Areas [PDF]
Kaiser Emergency and Urgent Care Away from Home [PDF]
Detailed Plan Comparison [PDF]
UHA Medical Plan [PDF]