Depending on where you live, you have several choices for medical coverage.

Cigna Choice Fund with Health Savings Account (HSA)

This is a high-deductible health plan (HDHP) that offers in-network and out-of-network coverage. As an HDHP, the Cigna Choice Fund with HSA is the only Intuit medical option that’s paired with a tax-advantaged HSA, which lets you save for current or future health care expenses and get free money from Intuit. It’s also the only plan that covers out-of-network services.

UnitedHealthcare (UHC) Network Plan, Cigna Managed Network Plan (EPO), and Kaiser plan (California and Georgia only)

These plans have predictable out-of-pocket costs, and there’s no deductible for you to pay before the plan pays for services or prescriptions. These plans cover in-network care only and may have higher paycheck deductions.

All Intuit medical plans include pharmacy benefits

They cover preferred and non-preferred generic and brand medications. Your pharmacy administrator varies, depending on which plan you enroll in. If you’re enrolled in a Cigna or UHC medical plan, your pharmacy benefits will be provided through CVS Caremark. If you’re enrolled in the Kaiser medical plan, your pharmacy benefits will be provided through Kaiser Pharmacy. Prescriptions can be filled at retail pharmacies or by mail order. Your prescription costs are based on the type of medication and the medical plan you are enrolled in.

Want to learn more?

Review the medical plan basics and how the high-deductible health plan works through these short, interactive videos. Select I Agree before starting the videos.

You have two options for dental coverage:

Aetna Dental PPO plan

This plan gives you the freedom to choose any dentist in or out of the network. However, if you choose to go to a dentist who is not in the network, you’ll pay more for services.

Aetna Dental DMO plan

This plan requires you to pick a primary care dentist (PCD) in the Aetna DMO network for regular exams and for referrals to get specialty care. In exchange, the DMO plan costs less than the PPO plan. Note: This plan has no out-of-network coverage, so it might not be available in all parts of the country. If it’s available in your area, it will be shown as an option when you enroll.

Not sure which plan is right for you?

Visit ALEX, our online benefits counselor. You can also review the FY24 plan snapshot to see what each plan covers and how much you’ll pay for services.

VSP Vision has the most extensive network of optometrists and vision care specialists in the country. When you choose a VSP provider, you pay only a $10 copay for your annual exam. The plan provides coverage for prescription glasses (frames and lenses), or contact lenses (in lieu of glasses), every 12 months. If you work in Mountain View, you can also go to Crossover Health Center’s VSP vision center.

For more information, view the FY24 plan snapshot.

The HSA is a savings account that lets you set aside pretax money to pay for eligible medical, dental, and vision expenses, now or in the future. You’re eligible to open an HSA if you enroll in the Cigna Choice Fund with an HSA medical plan.* With an HSA, there’s no use-it-or-lose-it rule. This means that any unused funds in your account roll over from year to year and are yours to keep even if you change health plans, leave Intuit, or retire. The HSA offers a triple tax advantage to help you save: your contributions, earnings, and withdrawals are all tax free.

How the HSA works

• Intuit’s contributions: Each fiscal year, Intuit will contribute $750–$1,000 for individual coverage, or $1,500–$2,000 for family coverage, based on your annual earnings.*
• Your contributions: You can also contribute pretax funds from your paycheck. Both your contributions and Intuit’s cannot exceed the IRS limits for FY24—$3,850 for individual coverage or $7,750 for family coverage. If you’re aged 55 or older, you can make an additional $1,000 catch-up contribution.
• Paying expenses: You can make tax-free withdrawals from your account—now or in the future—to pay for eligible expenses like office visits, lab work, X-rays, and prescription drugs.
• Saving for the future: If you don’t use your HSA contributions for current medical expenses, you can set them aside to use in the future or you can choose to invest them in funds offered through HealthEquity, our HSA administrator. Any HSA earnings and interest are tax free—it’s a win-win.

*See intuitbenefits.com for additional information.

ARAG UltimateAdvisor legal insurance gives you access to a nationwide network of attorneys who can advise and represent you with:

• Rental disputes, traffic tickets, adoption proceedings, and home purchases.
• Preparing wills, trusts, and other personal documents.
• Eldercare services, family support services, and specialized services to support the LGBTQIA community.

For a full list of covered services, visit ARAG’s website (use access code 17929int).

Basic and optional life insurance

Intuit automatically provides:

• Basic life insurance coverage in the amount of two times your annual earnings (up to $2 million).

In addition to the basic coverage that Intuit provides, you can choose from these additional levels of coverage:

• For yourself—Up to eight times your annual earnings ($4 million maximum, combined with basic life).
• For your spouse/domestic partner—Which ranges from $25,000 to $500,000.
• You can also cover your eligible unmarried child up to age 26 for $25,000.

Generally, you must provide evidence of insurability (EOI) to the insurance company to increase your life insurance coverage after your initial new hire enrollment. But as a special option during this year’s annual enrollment, you can increase life insurance coverage without providing EOI:

• For yourself—Up to five times your annual earnings (up to $1 million).
• For your spouse/domestic partner—Up to $150,000 (in increments of $50,000).

Basic and optional AD&D insurance 

Intuit automatically provides:

• Basic AD&D coverage of two times your annual earnings (up to $2 million).

In addition to the basic coverage that Intuit provides, you can choose from these additional levels of coverage:

• For yourself—One to eight times your annual earnings ($4 million maximum, combined with basic AD&D).
• For your family—Coverage for your spouse or domestic partner at 50% of your elected optional AD&D benefit; coverage for your eligible unmarried child up to age 26 at $10,000.

Not sure how much you need? Use ALEX, our online benefits counselor, to help determine the right level of coverage for you and your family.

Note: If your spouse or domestic partner or child is eligible for employee coverage, they cannot be covered as a dependent under your optional life insurance (all Intuit employees receive coverage of two times their annual earnings). Only one employee may cover a dependent child.

Dependent SSNs

Confirm that your dependents’ Social Security numbers are correct. These numbers are required for tax reporting.

Life insurance beneficiaries

Review and, if necessary, update your life insurance beneficiaries. You are the beneficiary of the life insurance that you purchase for your family.