Overview

To support your health and financial wellness, Western Digital provides valuable benefits that help you and your family stay healthy and pay for care in the event of illness or injury.

2022/2023 Medical Plans:

Our benefits program includes medical plan options with a range of coverage levels and costs designed to meet the diverse needs of our employees.

Plan Description
Anthem HSA A high deductible consumer-directed health plan (CDHP) that puts you in charge of your spending through lower contributions, higher deductibles, and the ability to contribute to a tax-free Health Savings Account (HSA). PPO style plan with a nationwide network of providers. 
Anthem HSA II A high deductible consumer-directed health plan (CDHP) that puts you in charge of your spending through lower contributions, higher deductibles, and the ability to contribute to a tax-free Health Savings Account (HSA).  PPO style plan with a nationwide network of providers.
Anthem PPO The Anthem PPO plan is designed to meet the needs of our employees looking for a lower deductible option and more predictability in expenses. This new plan, offered as an additional option to the other Western Digital medical plans, offers a lower deductible, but it does not include a Health Savings Account (HSA). However, you may enroll in a Health Care Flexible Spending Account (FSA), which allows you to contribute before-tax paycheck deductions to pay for eligible health care expenses tax-free.
Kaiser HSA A Health Maintenance Organization (HMO) plan with coverage for in-network care only coordinated by your primary care provider. Because this is still a high deductible plan, you also have the ability to contribute to a tax-free Health Savings Account (HSA). Available to California employees only. 
Kaiser HSA II A Health Maintenance Organization (HMO) plan with coverage for in-network care only coordinated by your primary care provider. Because this is still a high deductible plan, you also have the ability to contribute to a tax-free Health Savings Account (HSA). Available to California employees only.
HMSA If you are an employee living in Hawaii, you are offered the HMSA bundled medical/dental/vision plan. Not a high deductible plan so you are not eligible to contribute to a Health Savings Account. 
Compare the plans
Key features at a glance

All our medical plans provide:

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Comprehensive, affordable coverage

that fulfills the requirements of the health care reform law.

Free in-network preventive care,

with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.

Prescription drug coverage

included with each medical plan.

Financial protection

through annual out-of-pocket maximums that limit the amount you’ll pay each year.

 

Plan Comparison

How the Plans Work with HSA

Anthem HSA Anthem HSA II Anthem PPO Kaiser HSA Kaiser HSA II HMSA
HSA eligible Yes Yes No Yes Yes No
Company contribution to HSA Yes Yes No Yes Yes No

 

Your costs: Anthem HSA Plans

  Anthem HSA Anthem HSA II
Preventive doctor’s visit No cost to you when you see in-network providers — covered at 100% in-network No cost to you when you see in-network providers — covered at 100% in-network
Health Savings Account Employer Contributions (prorated based on your hire date) If you are enrolled in a HSA Eligible plan and are active in the new plan year (July timeframe), this is when you would expect to receive the Employer Contribution deposited into your HSA account.
Employee Only $800 $800
Family $1,800 $1,800
In-Network Deductible
Employee Only $1,500 $2,000
Family $3,000 $4,000
Out-of-Network Deductible
Employee Only $1,500 $2,000
Family $3,000 $4,000
In-Network Out-of-Pocket Maximum
Employee Only $3,000 $4,000
Family $6,000 $8,000
Out-of-Network Out-of-Pocket Maximum
Employee Only $6,000 $8,000
Family $12,000 $16,000
Your Coinsurance
In-network 10% after deductible 20% after deductible
Out-of-network 50% after deductible* 50% after deductible*
Office Visit
In-network 10% after deductible 20% after deductible
Out-of-network 50% after deductible* 50% after deductible*
In-Network Telemedicine Visit
Medical $59 before deductible $59 before deductible
Behavioral Health: Psychology $80 per visit for a Therapist; $95 with a Psychologist before deductible $80 per visit for a Therapist; $95 with a Psychologist before deductible
Behavioral Health: Psychiatry $175 for initial evaluation visit; $75 for ongoing visits before deductible $175 for initial evaluation visit; $75 for ongoing visits before deductible
Out-of-Network Telemedicine Visit 40% after deductible 40% after deductible
Emergency Room Visit
In-network 10% after deductible 20% after deductible
Out-of-network 10% after deductible 10% after deductible

Your costs: Anthem PPO Plan

Preventive doctor’s visitNo cost to you when you see in-network providers — covered at 100% in-network
In-Network Deductible
Employee Only$500
Family$1,000
Out-of-Network Deductible
Employee Only$1,000
Family$2,000
In-Network Out-of-Pocket Maximum
Employee Only$2,500
Family$5,000
Out-of-Network Out-of-Pocket Maximum
Employee Only$5,000
Family$10,000
Your Coinsurance
In-network10% after deductible
Out-of-network50% after deductible
Office Visit
In-network$20 copay
Out-of-network50% after deductible
In-Network Telemedicine Visit
Medical$20 copay
Behavioral Health: Psychology$20 per visit with a Therapist or a Psychologist
Behavioral Health: Psychiatry$20 copay per visit
Out-of-Network Telemedicine VisitNot covered
Emergency Room Visit
In-network10% after deductible
Out-of-network10% after deductible

Your costs: Kaiser Permanente Plans

  Kaiser HSA Kaiser HSA II
Preventive doctor’s visit No cost to you when you see in-network providers — covered at 100% in-network No cost to you when you see in-network providers — covered at 100% in-network
Health Savings Account Employer Contributions (prorated based on your hire date).  If you are enrolled in a HSA Eligible plan and are active in the new plan year (July timeframe), this is when you would expect to receive the Employer Contribution deposited into your HSA account.
Employee Only $800 $800
Family $1,800 $1,800
In-Network Deductible
Employee Only $1,500 $2,000
Family $3,000* $4,000*
In-Network Out-of-Pocket Maximum
Employee Only $3,000 $4,000
Family $6,000 $8,000
Your Coinsurance (in-network only) You pay a copay after deductible 20% after deductible
Office Visit (in-network only) $20 copay after deductible 20% after deductible
In-Network Telemedicine Visit
Medical See plan documents See plan documents
Behavioral Health: Psychology See plan documents See plan documents
Behavioral Health: Psychiatry See plan documents See plan documents
Emergency Room Visit (in-network only) $100 copay per visit after deductible 20% after deductible
*Individual in a Family Deductible = $2,800

Your costs: HMSA

For more information about your HMSA medical plans, visit the HMSA site.

Retail prescriptions (your cost for a 30-day supply): Anthem HSA, HSA II, and PPO Plans

Anthem Plans
Generic$10 copay after deductible
Formulary$30 copay after deductible
Nonformulary$50 copay after deductible
Specialty Medications30% coinsurance after deductible

Retail prescriptions (your cost for a 30-day supply): Kaiser Permanente Plans

Kaiser HSA and HSA II Plans
Generic$10 copay after deductible
Brand$30 copay after deductible

Mail order prescriptions (your cost for a 90-day supply): Anthem HSA, HSA II, and PPO Plans

Anthem Plans
Generic$20 copay after deductible
Formulary$60 copay after deductible
Nonformulary$100 copay after deductible

Mail order prescriptions (your cost for a 100-day supply): Kaiser Permanente Plans

Kaiser HSA and HSA II Plans
Generic$20 for 100 day supply
Brand$60 for 100 day supply
 

Anthem HSA and HSA II Plans

The Anthem plans pair low-contribution, high-deductible medical coverage with a tax-free Health Savings Account (HSA) that helps you save for current or future healthcare expenses. This combination gives you more control over your money and rewards you for making healthy, cost-conscious choices. With the HSA, you get the advantage of triple tax savings. It’s tax-free anytime you contribute funds, use them for healthcare expenses, or invest them.

With the plan, you can choose any in-network or out-of-network provider each time you receive care. But keep in mind: You will generally receive higher benefits when you use in-network providers.

CDHP at a glance

How the Anthem HSA and Anthem HSA II work

You pay the plan contribution from your paycheck to have coverage.

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Fund your HSA

You can set aside tax-free money from your paycheck and receive company contributions to help cover your costs — now, or in the future.

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Deductible

Other than preventive care, you pay 100% of costs until you meet the annual deductible. You can use your HSA funds, and pay no taxes on eligible withdrawals.

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Coinsurance

After meeting the deductible, you and the plan share the cost of certain services; the plan pays the majority. You can use your HSA funds for your co‐insurance, with no taxes on eligible withdrawals.

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Out-of-Pocket Maximum

You’re protected with an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

Money-saving Tip

Use your HSA to budget for deductibles and other out-of-pocket expenses while also saving money – your HSA contributions are tax-free! You can also pair your HSA with a Limited Purpose Flexible Spending Account (FSA).

Make the most of your coverage

Take advantage of these resources to manage your care and your costs.

Budgeting for your costs

With the Anthem or Kaiser plans, you pay less in contributions and assume more financial responsibility when you receive care. So, it’s important to plan ahead for your out-of-pocket expenses. Here are some ideas to consider:

  • Think about your costs. Contribute at least enough to your HSA to cover your expected out-of-pocket costs, such as your annual deductible and coinsurance. Remember — because you’re keeping more of your paycheck by paying lower medical plan contributions, you may have extra money available to put in your HSA.
  • Plan ahead. You can only spend HSA money that’s actually been deposited into your account. Adjust your contributions as necessary during the year to make sure you have money available when you need it. And if you don’t, remember to reimburse yourself later so you take full advantage of your HSA’s tax savings.
  • Look long term. You will never forfeit any money left in your HSA — it rolls over year after year. If you know about future expenses — or if you want to save for your health care costs in retirement — set aside a little extra each paycheck so your balance can grow over time.
 

Anthem PPO Plan

The Anthem PPO plan is designed to meet the needs of our employees looking for a lower deductible option and more predictability in expenses. This new plan, offered as an additional option to the other Western Digital medical plans, offers a lower deductible, but it does not include a Health Savings Account. However, you may enroll in a Health Care Flexible Spending Account (FSA), which allows you to contribute before-tax paycheck deductions to pay for eligible health care expenses tax-free.

See your 2022/2023 Western Digital Medical Plans Comparison Chart for details of the benefits under all of the medical plan options, including the Anthem PPO Medical Plan. View your 2022/2023 Cost of Coverage.

How the PPO works

Copay

You pay a small fee at the time of service for doctor visits and prescriptions. Copays do not count toward your deductible.

Deductible

For care that doesn't charge a copay, such as hospital services, you pay 100% of the costs until you meet the annual deductible.

Coinsurance

After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.

Out-of-Pocket Maximum

You're protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

 

Kaiser HMOs

These plans provide coverage only when you receive care from Kaiser providers in California. Your Primary Care Provider (PCP) will coordinate your care to help manage costs. If you enroll in the Kaiser HSA or Kaiser HSA II, you are eligible to participate in a tax-free Health Savings Account (HSA). These plans are only available to employees who live in California. If you plan on covering out-of-state dependents under a Kaiser plan, they will only have coverage for emergency and urgent services outside of California. 

Do you have a PCP?

With a Kaiser plan, you’re required to select a Primary Care Provider (PCP) who will manage your care and provide referrals if you need to see a specialist. Find a Doctor >

How the Kaiser HSA and Kaiser HSA II work

You pay the plan contribution from your paycheck to have coverage.

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Copay

You pay a small fee at the time of service for doctor visits and prescriptions. Copays do not count toward your deductible.

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Deductible

For care that doesn’t charge a copay, such as hospital services, you pay 100% of costs until you meet the annual deductible. You can choose to use your HSA funds for these expenses and you will not pay taxes on any eligible withdrawals.

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Coinsurance

After meeting the deductible, you and the plan share the cost of certain services; the plan pays the majority. You can use your HSA funds for your co‐insurance, with no taxes on eligible withdrawals.

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Out-of-Pocket Maximum

You’re protected with an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

Money-saving Tip

Use your HSA to budget for deductibles and other out-of-pocket expenses while also saving money — your HSA contributions are tax-free! You also can pair your HSA with a Limited Purpose Flexible Spending Account (FSA) to save even more.

Make the most of your coverage

Take advantage of these resources to manage your care and your costs.

Budgeting for your costs

With the Anthem or Kaiser plans, you pay less in contributions and assume more financial responsibility when you receive care. So, it’s important to plan ahead for your out-of-pocket expenses. Here are some ideas to consider:

  • Think about your costs. Contribute at least enough to your HSA to cover your expected out-of-pocket costs, such as your annual deductible and coinsurance. Remember — because you’re keeping more of your paycheck by paying lower medical plan contributions, you may have extra money available to put in your HSA.
  • Plan ahead. You can only spend HSA money that’s actually been deposited into your account. Adjust your contributions as necessary during the year to make sure you have money available when you need it. And if you don’t, remember to reimburse yourself later so you take full advantage of your HSA’s tax savings.
  • Look long term. You will never forfeit any money left in your HSA — it rolls over year after year. If you know about future expenses — or if you want to save for your health care costs in retirement — set aside a little extra each paycheck so your balance can grow over time.
 

HMSA

Employees in Hawaii are offered the HMSA plan. Visit HMSA for more information.

 

Prescription Drugs

When you enroll in either an Anthem or Kaiser Permanente medical plan, you automatically receive prescription drug benefits. If you enroll in an Anthem plan, your coverage will be through IngenioRx (833-280-7487). If you enroll in one of the Kaiser Permanente plans, your coverage is managed by Kaiser Permanente.

drug tiers

The cost of your prescription drugs depends on the tier of the medication:

  • Generic — Generic drugs contain the same active ingredients as their brand-name equivalents and meet the same federal standards for safety, but typically cost significantly less.
  • Preferred brand — Preferred brand-name prescription medications are favored by a prescription plan based on drug effectiveness and cost.
  • Nonpreferred brand — Nonpreferred brand-name prescription medications are not on a prescription plan’s favored list (or formulary) based on drug effectiveness and cost. Nonpreferred drugs still may be covered, but may require prior authorization and cost more.

Mail order

For ongoing maintenance medication, you can take advantage of the convenience and cost savings of using the mail order program.

Why use mail order:

  • Prescriptions are shipped to you for free — no waiting in line at the pharmacy.
  • You save money with a reduced cost for a three-month supply.
  • You can set up automatic refills.

Save money

The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save on your cost of prescriptions.

  • Ask your doctor about generic medications. Generic medications are generally just as effective as brand-name medications, yet the cost of generics is substantially lower, both for you and the plan. They typically cost between 30% and 75% less than brand-name drugs.
  • Use the plan’s mail order feature. If you regularly take medication to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes — the mail order prescription program is a convenient and money-saving option for you.
Generic vs. Brand

Specialty drugs

Specialty pharmacies provide medications that are used to treat certain complex conditions. IngenioRx has established a network of retail pharmacies experienced in dispensing and monitoring these special medications. To learn more about the specialty pharmacy network, call IngenioRx at 1-833-280-7487.

 

Tools & Resources

Take advantage of these valuable resources to better manage your health and financial well-being.

Medical plan tools

Find a doctor, compare costs, manage claims, and more.

Prescription tools

Order or refill prescriptions, sign up for mail order, and more.

  • Anthem Members: Call IngenioRx at 833-280-7487
  • Kaiser Members: Visit Kaiser Permanente
Telemedicine: Anthem

With Live Health Online, you can meet with a General Practitioner or Pediatrician 24 hours a day, 365 days a year, via live videoconferencing. All you need is an internet connection and a webcam. Behavioral Health specialists and Psychiatrists are also available via Live Health Online. Once you meet your medical plan deductible, you pay only your co-pay.

Fees (before deductible):

  • General Practitioner visit: $49 (only charged if they can provide services)
  • Behavioral Health visit: $80 for a Therapist or $95 for a licensed Psychologist
  • Psychiatry visit: $175 for an initial consultation and $75 for a follow-up

Register (or pre-register) at Live Health Online
Enter your Anthem ID number in the Health Insurance Information section to ensure your visits count toward your deductible.

Telemedicine: Kaiser Permanente

You can get care from a doctor — wherever you are. Do you have a minor health condition? If it doesn’t require an in-person medical exam, you may be able to address it with a doctor by phone. You’ll get great care, and you’ll save time. Call:

KP On Call

Your Kaiser nurse is available to answer your health questions and help you get the most out of your medical plan — confidentially and at no cost to you. Your nurse can guide you to the right care for a health problem; coordinate services before, during, and after a hospital stay; or support you while you work toward a health goal. Call 1-888-576-6225 (888-KPOnCall) to reach a nurse.

Anthem Concierge

Get free, personalized assistance to help you navigate the health care system, from understanding claims to choosing providers and negotiating fees. Available to you and your family members, this service can save you time and money. Help is just a phone call away at the numbers below. Learn more at Connect.

Kaiser Customer Service

Get free, personalized assistance to help you navigate the health care system, from understanding claims to choosing providers and negotiating fees. Available to you and your family members, this service can save you time and money. Help is just a phone call away. Learn more by reaching out to Kaiser Concierge.

Lark

Lark is a health benefit available at no cost to you that provides personal support to help you lose weight, keep it off, and help reduce your risk of type 2 diabetes. If you or your adult family members are enrolled in the Anthem Blue Cross health plan and are at risk for type 2 diabetes, Western Digital will cover the entire cost of the program — a $650 value.

Lark includes:

  • Wireless smart scale to monitor your progress
  • Professional health coach to keep you on track
  • Interactive program that adapts to you
  • Weekly online lessons to educate and inspire
  • Small group of participants for real-time support

To see if you’re eligible, visit Lark and take a 1-minute risk screener.

Check out your benefit videos!

Choose one of the benefit subjects below to watch a short video:

Virtual Primary Care (VPC) – Anthem

Anthem’s Virtual Primary Care (VPC) program offers those enrolled in an Anthem medical plan the option to schedule a virtual primary care appointment (routine care, wellness check-ins and prescription refills) or chat with a doctor 24/7 for urgent care support.

Anthem’s VPC program allows you to find complete care support, on your time. Access this program by downloading the Anthem Sydney mobile app. Set up your account right away and it will be ready to use when you need it.