Medical Plan Overviews

Whether you’re looking to keep your monthly costs down or save for potential future health needs, Lam offers comprehensive medical plans that help meet your objectives. Depending on where you live, you have up to four plans to choose from. All of the plans cover preventive care at no cost to you, offer coverage for prescription drugs, and provide financial protection in the event of a major illness or injury. Use the following plan overviews to help choose coverage that’s right for you and your family. The detailed 2020 plan comparison chart [PDF] offers a deeper dive into the specifics.

Anthem CDHP with HSA
Low CostMedium DeductibleHSA with ContributionDoctor Choice

The Anthem Consumer Directed Health Plan with Health Savings Account (Anthem CDHP with HSA) is a high-deductible health plan that offers both in-network and out-of-network coverage. This plan is paired with a tax-advantaged HSA to help you save for current and future health care expenses.

LightbulbWhat You Need to Know

  • You pay nothing for preventive care or most preventive care drugs.
  • You have lower per-paycheck costs, but you must first meet your annual deductible ($2,000 for an individual/$4,000 for a family) before the plan begins paying for nonpreventive medical costs or nonpreventive prescription drugs..
  • Although the family in-network deductible is $4,000, the plan will begin to pay after one family member meets a $2,800 deductible. You don’t have to meet the entire family deductible before the plan kicks in for health care costs for that family member.
  • You have the flexibility to use in-network or out-of-network providers—the same network of providers as the Anthem Base PPO plan—but you will always pay less if you stay in network.
  • Lam contributes to your HSA: up to $1,300 for employees with individual coverage and up to $2,600 for employees with family coverage.
  • You can contribute pretax money through paycheck deductions—up to $2,250 for individual coverage or $4,500 for family coverage in 2020. If you’re 55 or older, you can contribute an additional $1,000 in “catch-up” contributions each year.
  • You can use the funds in your HSA to pay for current medical costs or save them to cover planned—or unexpected—expenses in the future.
  • The HSA is yours to use forever, even if you change jobs. There is no use-it-or-lose-it rule associated with this account.

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Anthem Base PPO
Medium CostLow DeductibleNo HSAChoose Doctor

With higher paycheck deductions than the Anthem CDHP with HSA, the Anthem Base PPO offers predictable out-of-pocket in-network costs. To save on your share of costs, you can contribute pretax dollars (up to $2,750) to a General Purpose Health Care Flexible Spending Account (FSA) and use that money to pay for eligible health care expenses.

LightbulbWhat You Need to Know

  • You pay nothing for preventive care.
  • This plan has higher monthly paycheck contributions than the Anthem CDHP, along with predictable in-network costs.
  • You have the flexibility to choose in-network or out-of-network providers (you pay less if you stay in network).
  • For in-network care, the plan pays 85% of the cost of most services after you meet your annual deductible ($1,300 for individuals/$2,600 for families).
  • You can stretch your health care dollars (and reduce your taxable income) by contributing pretax dollars to a General Purpose Health Care FSA to cover eligible out-of-pocket costs.

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Kaiser CDHP with HSA
Low CostMedium DeductibleHSA with ContributionNo Doctor Choice

Offering the lowest per-paycheck contribution, the Kaiser Permanente Consumer Directed Health Plan with Health Savings Account (Kaiser CDHP with HSA) is a high-deductible health plan that uses its own network of doctors and facilities. You can choose this plan only if you work in California and parts of Oregon and Washington. It is paired with a tax-advantaged HSA to help you save for current and future health care expenses.

LightbulbWhat You Need to Know

  • You pay nothing for preventive care or preventive care drugs.
  • You have lower per-paycheck costs than with the other plans, but you must meet your annual deductible ($2,000 for an individual/$4,000 for a family) before the plan begins paying for nonpreventive medical costs or nonpreventive prescription drugs.
  • Although the family deductible is $4,000 for both the Kaiser California CDHP and the Kaiser Northwest CDHP, the plan will begin to pay after one family member meets a $2,800 deductible. You don’t have to meet the entire family deductible before the plan kicks in for health care costs for that family member.
  • There is no out-of-network option with this plan.
  • Lam contributes to your HSA: up to $1,300 for employees with individual coverage and up to $2,600 for employees with family coverage.
  • You can contribute pretax money through paycheck deductions—up to $2,250 for individual coverage or $4,500 for family coverage in 2020. If you’re 55 or older, you can contribute an additional $1,000 in “catch-up” contributions each year.
  • You can use the funds in your HSA to pay for current medical costs or save them to cover planned—or unexpected—expenses in the future.

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Kaiser HMO
Cost HighNo DeductibleNo HSA ContributionNo Doctor Choice

With the highest payroll deductions, the Kaiser HMO plan uses its own network of doctors and facilities; there is no out-of-network coverage with this plan. You can choose this plan only if you work in California and parts of Oregon and Washington.

LightbulbWhat You Need to Know

  • You pay nothing for preventive care.
  • This plan has the highest per-paycheck cost but the lowest annual out-of-pocket maximums ($1,500 for individuals/$3,000 for families).
  • You’ll pay copayments for the services you receive, but won’t need to satisfy a deductible before the plan begins paying benefits.
  • You can stretch your health care dollars (and reduce your taxable income) by contributing pretax dollars to a General Purpose Health Care FSA to cover copayments.

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