
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.
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 |
All our medical plans provide:
that fulfills the requirements of the health care reform law.
with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.
included with each medical plan.
through annual out-of-pocket maximums that limit the amount you’ll pay each year.
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 |
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 |
Preventive doctor’s visit | No 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-network | 10% after deductible |
Out-of-network | 50% after deductible |
Office Visit | |
In-network | $20 copay |
Out-of-network | 50% 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 Visit | Not covered |
Emergency Room Visit | |
In-network | 10% after deductible |
Out-of-network | 10% after deductible |
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 |
For more information about your HMSA medical plans, visit the HMSA site.
Anthem Plans | |
---|---|
Generic | $10 copay after deductible |
Formulary | $30 copay after deductible |
Nonformulary | $50 copay after deductible |
Specialty Medications | 30% coinsurance after deductible |
Kaiser HSA and HSA II Plans | |
---|---|
Generic | $10 copay after deductible |
Brand | $30 copay after deductible |
Anthem Plans | |
---|---|
Generic | $20 copay after deductible |
Formulary | $60 copay after deductible |
Nonformulary | $100 copay after deductible |
Kaiser HSA and HSA II Plans | |
---|---|
Generic | $20 for 100 day supply |
Brand | $60 for 100 day supply |
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.
You pay the plan contribution from your paycheck to have coverage.
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.
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.
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.
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.
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).
Take advantage of these resources to manage your care and 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:
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.
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.
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.
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 >
You pay the plan contribution from your paycheck to have coverage.
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 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.
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.
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.
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.
Take advantage of these resources to manage your care and 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:
Employees in Hawaii are offered the HMSA plan. Visit HMSA for more information.
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.
The cost of your prescription drugs depends on the tier of the medication:
For ongoing maintenance medication, you can take advantage of the convenience and cost savings of using the mail order program.
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.
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.
Start or refill a mail order prescription, compare costs, and more.
Take advantage of these valuable resources to better manage your health and financial well-being.
Find a doctor, compare costs, manage claims, and more.
Order or refill prescriptions, sign up for mail order, and more.
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):
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.
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:
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.
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.
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 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:
To see if you’re eligible, visit Lark and take a 1-minute risk screener.
Choose one of the benefit subjects below to watch a short video:
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.