Lam offers comprehensive medical plans that help meet your objectives. Depending on where you live, you have up to four medical plans to choose from. All 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. Review the 2024 medical plan comparison chart [PDF] and the 2024 employee contributions for more specifics.

Anthem CDHP with HSA

cost low deductible medium HSA yes doctor yes

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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 eligible for a tax-advantaged HSA to help you save for current and future health care expenses.

What 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 $3,200 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.
  • Once you open your HSA, Lam contributes to your account: up to $1,300 for employees with individual coverage and up to $2,600 for employees with family coverage.
    • You can contribute pretax money to your HSA through paycheck deductions—up to $2,850 for individual coverage or $5,700 if you cover yourself and one or more dependents in 2024. 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.
  • You can receive care while traveling through the BlueCard PPO and Blue Cross Blue Shield Global Core programs.

Where to learn more

Anthem Base PPO

medium cost low deductible no hsa choose any doctor

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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 $3,050) to a General Purpose Health Care Flexible Spending Account (FSA) and use that money to pay for eligible health care expenses.

What 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 80% 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.
  • You can receive care while traveling through the BlueCard PPO and Blue Cross Blue Shield Global Core programs.

Where to learn more

Find an Anthem doctor

Look up doctors and other providers in the Anthem National PPO (BlueCard PPO) network.

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Kaiser CDHP with HSA

low cost medium deductible HSA yes doctor no

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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 live in California, Oregon, or parts of Washington. It is eligible for a tax-advantaged HSA to help you save for current and future health care expenses.

What 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 $3,200 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.
  • Once you open your HSA, Lam contributes to your account: up to $1,300 for employees with individual coverage and up to $2,600 for employees with family coverage.
    • You can contribute pretax money to your HSA through paycheck deductions—up to $2,850 for individual coverage or $5,700 if you cover yourself and one or more dependents in 2024. 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.
       

Get care while traveling

As a Kaiser member, you’re covered for emergency and urgent care anywhere in the world. And your kids away at college can stay connected to the care they need.

Learn more

Where to learn more

Kaiser Deductible HMO

high cost low deductible no hsa doctor no

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With the highest payroll deductions, the Kaiser Deductible 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 live in California, Oregon, or parts of Washington.

What 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 ($2,500 for individuals and $5,000 for families).
  • You’ll need to meet a $250 annual deductible for individual coverage, or a $500 deductible for family coverage, before the plan covers a portion of most costs.
  • You’ll pay copayments for many services after you meet your deductible:
    • $20 for primary care office visits
    • $30 for specialist office visits
    • $200 for emergency room visits
  • You’ll pay 20% coinsurance after your deductible for inpatient hospital stays.
  • 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 out-of pocket costs.

Get care while traveling

As a Kaiser member, you’re covered for emergency and urgent care anywhere in the world. And your kids away at college can stay connected to the care they need.

Learn more

Where to learn more

Need help deciding?

Our medical plan selection support tool can help.

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