Seagate’s medical plans protect you medically and financially in the event you become ill or injured. You can choose between two medical plans, a Preferred Provider Organization (PPO) or a High Deductible Health Plan (HDHP), both administered by Anthem. Both support you with free preventive care, but the HDHP gives you the option to open and contribute to a tax-advantaged Health Savings Account (HSA) that Seagate also contributes to on a per-paycheck basis.
Looking for a specific service?
For a comprehensive overview of how different services are covered, refer to our 2025 plan comparison chart.
Plan Overviews
The PPO and the HDHP share many of the same features, including:
- Coverage for the same services
- Doctors and hospitals within Anthem's National BlueCard PPO network
- Automatic enrollment in prescription drug coverage provided by Navitus Health Solutions. The same prescription drugs are covered for both medical plan options.
- Virtual doctor visits for nonemergency care
- Out-of-network benefits
Where the two plans differ is in the following:
- How much you pay in paycheck deductions
- How much you pay at the time of service (coinsurance)
- Whether or not you can enroll in an HSA (HDHP Only) and receive Seagate’s contribution
- The amount you have to pay out of pocket before the plan begins to pay its share (deductible)
- How much you have to pay out of pocket before the plan pays 100% of the cost of covered services (out-of-pocket maximum)
Here’s how the plans stack up.
PPO
You’ll pay more out of each paycheck, but this plan has the lowest deductible and out-of-pocket maximum. You’ll also pay less at the time of service.
This plan may be the best option if you (and your family) see your doctor(s) frequently and/or take prescription medication on an ongoing basis.
HDHP
You’ll pay less out of each paycheck, but this plan has the highest deductible and out-of-pocket maximum. You’ll also pay more at the time of service. However, this plan includes a tax-advantaged Health Savings Account (HSA) that you may contribute to, up to IRS annual maximum limits. Seagate will also contribute 50% of your annual HSA contribution amount, up to $500 for individual coverage and $1,000 for family coverage.
If you (and your family) visit the doctor only once or twice a year and fill prescriptions infrequently, this plan may be the best choice.
Plan Comparisons
The charts below show what you’ll pay for in-network care after you meet your deductible. For a side-by-side comparison of how much the plans pay for coverage, review the 2025 Medical Plan Comparison Chart.
Annual Deductible
| PPO | HDHP | |
|---|---|---|
| Employee Only | $600 | $1,800 |
| Employee + Dependents | $1,200 | $3,600 |
Out-of-Pocket Maximum
| PPO | HDHP | |
|---|---|---|
| Employee Only | $3,200 | $4,000 |
| Employee + Dependents | $6,400 | $8,000 |
What You'll Pay for Common Services
| PPO | HDHP | |
|---|---|---|
| Preventive Care | 0% | 0% |
| Office Visits | $30 Primary Care/$50 Specialist Care | 20% |
| Urgent Care | $50 copay (deductible waived) | 20% after deductible |
| Hospital Care | 10% after deductible | 20% after deductible |
| Most Eligible Services* | 10% | 20% |
* For some services and benefits to be covered, including inpatient hospital stays (other than maternity), your provider must receive approval before the service is rendered.
Plan Costs
Your pre-tax, biweekly payroll deductions will depend on which plan you select, whom you cover and any applicable tobacco surcharge.
| PPO | HDHP | |
|---|---|---|
| Employee Only | $60.00 | $34.62 |
| Employee + Spouse/ Domestic Partner | $156.92 | $92.31 |
| Employee + Child(ren) | $131.54 | $78.46 |
| Employee + Family | $221.54 | $131.54 |
| Tobacco Surcharge* | $11.54 | $11.54 |
* You pay an additional $300 per year if you currently use tobacco products (cigarettes, e-cigarettes, cigars, pipe tobacco, chewing tobacco, snuff) or used them in the three months preceding the date you enroll in a Seagate medical plan.
Pharmacy Benefits
Your pharmacy benefit is administered by Navitus Health Solutions, which means you’ll pay less when you have your prescription filled at a pharmacy that participates in the Navitus network or through Costco mail order. Find a pharmacy near you.
Your In-Network Costs for Prescription Drugs
| PPO | HDHP | |
|---|---|---|
| 30-Day Supply (Generics) | $10 copay | 20% after deductible |
| 30-Day Supply of (Preferred Brand) | $30 copay | 20% after deductible |
| 30-Day Supply (Non-Preferred Brand) | $60 copay | 20% after deductible |
| 90-Day Supply (Generics)* | $20 copay | 20% after deductible |
| 90-Day Supply of (Preferred Brand) | $60 copay | 20% after deductible |
| 90-Day Supply (Non-Preferred Brand) | $120 copay | 20% after deductible |
*Most 90-day generic preventive drugs are covered at 100% with no copay or deductible required.
Is Your Prescription Covered?
How to Use Your Pharmacy Benefits
Walgreens is not in the Navitus pharmacy network. Prescriptions filled at Walgreens will not be covered.
- To receive the in-network benefit, make sure you fill your 30-day (or less) prescription at any Navitus network retail pharmacy.
- To receive the in-network benefit for 90-day prescriptions, you have two options:
- Mail order through Costco Pharmacy. If you have an existing Costco.com account, simply sign in and select Pharmacy to get started. Otherwise, register at pharmacy.costco.com, and select New Patients. You do not need to be a member of Costco to use the Costco Pharmacy.
- Any Navitus network retail pharmacy except Walgreens and Rite Aid.
Specialty Drugs
Specialty Drugs are used to treat certain chronic illnesses or complex diseases. They can be very expensive and often require careful handling and monitoring. In many cases, they are covered only when specific clinical conditions are met.
Covered specialty drugs may be obtained through Lumicera Health Services. To begin receiving your specialty drugs from Lumicera Health Services, please call Customer Care at 855-847-3553 (TTY 711). You can learn more by visiting www.lumicera.com.
You may also be eligible to enroll in the WellAssist program. WellAssist coordinates with drug manufacturer copay cards to help reduce your out-of-pocket cost. To enroll and learn more about WellAssist, call Pinnacle SpecialtyRx Services at 888-479-0054.
Important Facts about Your Pharmacy Benefits
- You’ll pay nothing for 90-day supplies of most generic preventive drugs. These are non-brand drugs that help prevent certain conditions or keep them from getting worse.
- You must fill a new prescription three times on a 30-day basis before you can receive a 90-day fill.
- Brand-name drugs cost more, so if there’s a generic equivalent available, be sure to ask for it. If you or your doctor request the brand-name drug and a generic equivalent is available, you’ll pay the brand-name coinsurance rate, plus the cost difference between the brand-name and the generic drug. If there’s a reason you cannot take the generic equivalent (e.g., allergic reaction), you won’t be charged the additional cost.
- When you begin a new treatment with specialty drugs, you’ll receive a 15-day supply of the drug. After six 15-day fills, the drug may be prescribed for a 30-day supply.