Life’s Complicated. Enrolling In Benefits Is Simple.

Open enrollment for 2018 has closed. Outside of open enrollment, you can make changes to your coverage within 31 days if you have a qualified status change or if you lose coverage (in certain cases).

For the third year in a row, your paycheck deductions for premiums will stay the same. (Yes, you read that right!) However, there will be slightly higher out-of-pocket costs when you use medical services.

If you sat out open enrollment, your 2017 benefits will continue in 2018, except for your Flexible Spending Accounts. If you’d like to contribute next year, you’ll have to re-enroll.

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Good Things Are Getting Better
Changes For 2018
Compare Plan Features And Costs
More Information

Good Things Are Getting Better

The following changes are effective Jan. 1, 2018.

Your Costs

For the third year in a row, your paycheck deductions for premiums will stay the same.

However, you may pay slightly more when you use healthcare services, if you're enrolled in the PPO or Kaiser HMO medical plans. That’s because the claims costs in these plans have increased for NVIDIA and other companies.

Instead of increasing paycheck premiums across the board—which means everyone pays more (even if you don’t use the plan much)—you’ll only pay more when you use healthcare services.

There are also some IRS-required increases to the HSA plan deductibles.

Cost is an important factor in choosing a medical plan. Check out this new tool that makes it simple to do the math.

More To Love About The HSA Plans

Remind me...what’s an HSA?

Love free money from NVIDIA? How about getting it all in January? When you enroll in an HSA medical plan (NVIDIA HSA Plus, NVIDIA HSA, Kaiser HSA, BCBS Gold/HSA), NVIDIA contributes money to your account. In 2018, you’ll get the full annual NVIDIA contribution in one lump sum in late January (rather than in installments over the course of the year, which is our current process). So, if you have a big expense early in the year, you’ll have up to $3K available to you in your HSA (depending on the plan you choose).

Save More Of Your Own Money

The IRS is inching up the annual Health Savings Account (HSA) and Flexible Spending Account (FSA) contribution limits.

HSA

  • Individual coverage: Contribute up to $3,450 (up from $3,400 in 2017); or up to $4,450 (up from $4,400 in 2017) if you are or will be age 55 in 2018.
  • Family coverage: Contribute up to $6,900 (up from $6,750 in 2017); or up to $7,900 (up from $7,750 in 2017) if you are or will be age 55 in 2018.

(Note: these HSA limits include NVIDIA’s annual contribution.)

FSA

  • In 2018 you’ll be able to contribute up to $2,650 (up from $2,600 in 2017) to your flexible spending account.

More Help Supporting Families

We share in the joy of family, and are expanding our benefits.

We’ll provide more money for you to start or grow your family.
 

All NVIDIA Medical Plans Will Cover In Vitro Fertilization (IVF)

The high cost of IVF treatment can be a barrier to starting or growing a family. The NVIDIA medical plans will cover IVF as follows:

  • The Cigna plans (NVIDIA HSA, NVIDIA HSA Plus, and NVIDIA PPO) will cover unlimited IVF treatments, with no infertility diagnosis required. The plans will also cover egg freezing (oocyte cryopreservation). Fees for egg storage are not covered because of the tax implications for you.
  • The Kaiser plans will cover 50 percent of one cycle of IVF.

Unlimited Reimbursement For Adoption-Related Expenses

NVIDIA will reimburse you for qualified adoption expenses, including:

  • Agency and placement fees (including home study fees)
  • Legal fees and court costs
  • Medical expenses for the adoptive child prior to placement for adoption
  • Temporary foster care costs
  • Immigration, immunization, and translation fees
  • Travel and transportation costs (including meals and lodging)

And If You Have Kids, Get A Discount on Child Care

Take 10 percent off the cost of full-time, part-time, and drop-in tuition for children ages six weeks to 12 years at one of KinderCare’s 1,500-plus child care centers or 450-plus before- and after-school sites nationwide. Contact Care.com for more information.

Money To Fix Broken Glasses

You Break ‘Em, We’ll Buy ‘Em

Well, we’ll cover at least part of the cost. The VSP vision plan currently covers new lenses every calendar year and new frames every other calendar year. Beginning in 2018, if you damage or break your lenses or frames before a new pair would be covered, the plan will pay up to $300 to repair or replace your standard lenses or frame.

Pay Less For Protection

Pay Less For Illness And Accident Insurance

What would happen to you and your family if you got really sick? The cost of coverage for programs that protect your finances is decreasing by 10 percent. This includes:

Long-Term Disability (LTD) Benefit Increasing

If you’re disabled and unable to work for an extended period, LTD currently pays a monthly benefit up to $13,000. In 2018, the maximum LTD benefit is increasing to $15,000 per month.

Support To Get Stuff Done

New Concierge Partner

Need to run an errand but just don’t have the time? Our no-cost concierge service will pick up the tab for a personal assistant who can help with everything from picking up dry cleaning to getting your car serviced. In January 2018, Leverage will replace TimeSquared as the vendor for this program.

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Changes For 2018

The following changes are effective Jan. 1, 2018.
 

NVIDIA HSA Plus

The IRS requires the following increases to the deductibles.

In-network deductible

This is what you pay before insurance begins to kick in. (Except for preventive care, which is covered at 100%.)

  What You Pay 2017 What You Pay 2018
Individual coverage

$1,300

$1,350

Individual + 1 coverage

$2,600

$2,700

Tip: You’ll almost always pay less when you use in-network providers because they’ve agreed to charge lower rates for services. Find one near you at myCigna.com.

NVIDIA PPO

There are increases to deductibles, out-of-pocket limits, and copayments.

Out-Of-Network Deductible

This is the amount you pay first for care you get from doctors and other providers who are not contracted with Cigna. (Except preventive care. That’s covered at 100%.)

  What You Pay 2017 What You Pay 2018
Family coverage

$1,000

$2,000

Tip: You’ll almost always pay less when you use in-network providers because they’ve agreed to charge lower rates for services. Find one near you at myCigna.com.

Out-Of-Pocket Maximum

This is the most you’ll pay in a year for covered services.

  What You Pay 2017 What You Pay 2018
In-Network
Individual Coverage

$2,500

$3,000

In-Network
Family Coverage

$5,000

$6,000

Out-Of-Network
Individual Coverage

$4,000

$5,000

Out-Of-Network
Family Coverage

$8,000

$10,000

Copayments

This is the amount you pay for many covered services after you meet the deductible.

  What You Pay 2017 What You Pay 2018
In-Network Specialists and urgent care

$25

$30

Emergency room services

$125

$150

Kaiser HMO

Your costs when receiving medical care are increasing for the first time in almost a decade.

Copays

This is the amount you pay for many covered services.

  What You Pay 2017 What You Pay 2018
Office visits

$10

$20
Group mental health

$5

$10
Emergency room services

$100

$125
Hospital admission $0 $200
Acupuncture and chiropractic visits $10 $15
Brand-name prescription drugs

Retail (30-day supply): $20

Mail order (90-day supply): $40

Retail (30-day supply): $30

Mail order (90-day supply): $60

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More Information

2018 Medical Plan Comparison Chart [PDF]

2018 Dental Plan Comparison Chart [PDF]

2018 Vision Plan Comparison Chart [PDF]

2018 Paycheck Premiums [PDF]

2018 Domestic Partner Paycheck Premiums [PDF]

2018 Summary of Benefits Coverage NVIDIA HSA Plan [PDF]

2018 Summary of Benefits Coverage NVIDIA HSA Plus Plan [PDF]

2018 Summary of Benefits Coverage NVIDIA PPO Plan [PDF]

2018 Summary of Benefits Coverage Kaiser CA HMO [PDF]

2018 Summary of Benefits Coverage Kaiser CA HSA [PDF]

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