PEOPLE LIKE ME

See how others made their benefit decisions.

Starting Out

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Rey

Rey signs up for these during open enrollment:

  • NVIDIA HSA plan
  • Dental
  • Vision
  • Accident insurance

Sign me up!

My friends and I see lots of challenges out there, and we can’t wait to create solutions for them. Personally, I’ve got a mid-sized mountain of college loan debt that colors my world no matter what I’m doing. Any extra money usually goes toward traveling or hanging out with my friends.

What I care about is staying healthy and having an interesting life—and longboarding, of course. I also want to avoid feeling like my parents did during the financial crisis. I like to move fast. I grew up “on-demand,” so when it comes to something like benefits, I just want to know what I need to do, what my choices are, make smart decisions, then move on.

My Medical Choice

I’m choosing the NVIDIA HSA Plan, because I hardly ever go to the doctor, and I don’t want to pay for coverage I probably won’t use. The coverage is free, which means more money in my paycheck for lowering debt. I’m ahead right away, because NVIDIA puts money in my HSA. If I don’t use the money in my HSA, it’s a tax-advantaged way to invest for the future. Plus, the onsite, near-campus, and virtual care save me a lot of time and money. But just in case I ever eat it while I’m shredding, I’m going to enroll in accident insurance because it will pay me some cash, which will help with paying some of the deductible.

What Else Matters to Me

The Student Loan Repayment Program is a no-brainer. Take $30,000 off my US student loan? Yes, please. And I can apply for Student Loan Refinancing to lower payments on the outstanding balance. I also know it’s past time for me to start saving at least something in the 401(k) Retirement Plan. With NVIDIA’s match, it just seems silly not to.

I’m enrolling in dental and vision coverage and for sure want to check out the Auto Insurance discounts and pet insurance for Stella. And I’m totally using the Concierge Service —they get concert tickets for me and even wait for the cable guy while I’m at work!


You and Yours

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Grace

Grace signs up for these during open enrollment:

  • NVIDIA HSA Plus medical option
  • Dental
  • Vision
  • Supplemental Life and AD&D

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Sam and I have seen a lot of change—we remember actual music videos on MTV—and we learned along the way that very few things in life are slam dunks. The smart choice usually comes with some compromise.

We’re all about our kids at this point, and we’re crazy busy at work. We love it that way—but we’re always looking for balance. Which is tough, because our daughter Sophia has some developmental challenges and requires specialized help. Plus, we always seem to be playing catch-up financially.

My Medical Choice

Sam and I are in decent health, but the kids are always at the doctor's. After some discussion (and a few minutes on the plan comparison tool), we’re choosing the NVIDIA HSA Plus option over the PPO. It’s a trade-off, but I’ll take the premium savings, knowing we can cover the deductible, and we’re protected against a big expense by the out-of-pocket maximum . Plus, I can get virtual care from a doctor 24/7 through Cigna for concerns that come up from time-to-time—usually in the middle of the night.

What Else Matters to Me

We both work, so I’ll cover myself and Sam under Supplemental Life and AD&D insurance. There’s no way I want to be working into my 70s like my dad, so I’ve maxed out my contributions to the 401(k) Retirement Plan (which also makes the HSA even more attractive), and I signed up for the ESPP —I’ll definitely take some NVIDIA stock at a 15% discount!

Sam is older than me, so we’re going to talk to Care Counsel to find out what we need to know about Medicare. For the kids, we’ll continue using Care.com for finding sitters and caregivers and contributing to the 529 Savings Plan for their college expenses. We’ve already engaged with College Coach to help Gabe prepare to apply. Plus, my mom is coming to live with us, at least for a while, so we’ll check out senior care options—and I’m going to see if Guidance Resources has suggestions for living with an elderly parent!

Of course, dental and vision are musts. As busy as we are, I’ve used both the onsite, near-campus, and virtual care for minor health issues. The Concierge Service is a lifesaver, and when Sam or I get stressed out, it’s nice to know there are expanded behavioral health services available, plus we’ve already had great experiences with the EAP.


Ready for What’s Next

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Kevin

Kevin signs up for these during open enrollment:

  • NVIDIA PPO medical option
  • Dental
  • Vision
  • Supplemental Life and AD&D

Sign me up!

When Bob Dylan sang “Forever Young,” Alice and I took it to heart. We’re both still trying to change the world, I guess. Despite what the mirror says, I don’t feel like I’m getting older, and we have a lot yet to contribute.

Other than Alice’s bout with pneumonia and my blood pressure, we’re both in pretty decent health—but we know that could change. And with the kids off our insurance, we want to start socking away more money for retirement.

My Medical Choice

We went back and forth between the NVIDIA PPO and the NVIDIA HSA Plus. We’re in the PPO now for the low deductible and office copays. And we feel like that’s still the right choice for us. Alice might have knee surgery next year, and we both make fairly frequent trips to the doctor for minor illnesses. So we’re choosing the NVIDIA PPO plan. We’ll continue to have a low deductible and copays for our routine care. And if Alice does have surgery, we know we’ll be able to cover the out-of-pocket cost. Next year, we’ll consider the HSA Plus again.

What Else Matters to Me

I’m focusing on maximizing my contributions to the 401(k) Retirement Plan, including catch-up contributions (since I’m over age 50). That gives me some extra tax savings.

I also decided to start participating in the ESPP. We’re doing great things at NVIDIA, and I think NVIDIA stock is a smart investment—especially with a 15% discount.

For us and for the kids, I’ll keep covering Alice and myself under Supplemental Life and AD&D insurance. The premiums are a lot lower than we could get otherwise . And since Alice is approaching Medicare age, we’re going to connect with Care Counsel this year to find out what comes next.

Our teeth are in good shape, but that’s probably because we have regular checkups, so we’ll continue with dental coverage. And our eyes don’t seem to care how young we still feel, so we’ll definitely be using the vision benefits.

It’s also important that I can get trusted health advice when I need it. So for routine questions and simple issues, I use 24/7 virtual care offered through Cigna. It’s quick and easy to use, and more convenient than a doctor’s office visit.