Buzo
Well-Known Member
I paid 6k plus premiums when my daughter was born under the PPO plan. Under the HSA plan next year at Delta, I will pay about 4k including premiums for the birth of my next daughter.
I just read about skywest insurance
- Thread starter wheelsup
- Start date
I paid 6k plus premiums when my daughter was born under the PPO plan. Under the HSA plan next year at Delta, I will pay about 4k including premiums for the birth of my next daughter.
It is much better than people make it out to be. Maybe the deadbeats complaining about this plan should stop spending 100 a month for their iphone bill/
GaTechKid
Well-Known Member
Yikes, I better start saving up now!
kellwolf
Piece of Trash
Wouldn't exactly term myself a deadbeat. Just one size does not fit all. The fact they're taking the option off the table tweaks me because it's purely to save money. But, hey, if that's what it takes to "remain competitive." I don't see any difference between that and slashing wages to stay competitive. I rank both as "compensation." But, if Skywest were cutting people's wages, we'd be having an entirely different conversation, I'd wager.
A-300F4-622R
Well-Known Member
I guess I'll quit complaining about my insurance after hearing about Delta's. I pay 80/20 for the first $1000, then after that, everything is covered at 100%.
SpiceWeasel
Tre Kronor
Broadbrushing everyone complaining about their insurance much? Doesn't seem right to do so when you are not acutely aware of their situations.
The insurance at Pinnacle is "industry leading", and they like to try to say the 401k is too, but I went from a company that I didn't have any paycheck deductions for insurance to one that I do have that. It may not be much, but earning less and paying more for insurance doesn't exactly compute...
And no, I don't have an iPhone. I refuse to jump on that bandwagon.
wheelsup
Well-Known Member
Holy christ no wonder my company is "too expensive". To have a kid here is $15. Includes all the checkups before and afterward.
meritflyer
Well-Known Member
That's correct.
HSAs are a fantastic idea. The ignorance towards them is simply a product of misunderstanding such. Not only will your HSA cover odd items like humidifiers and Advil, but you save the money tax free, invest the money tax free, and spend it tax free. It puts a fair amount of ownership and responsibility on the consumer which most people often fear since people lack the will power or desire to take care of things themselves.
If one exits a company, the HSA follows them for their life. They're again, a superior way to deal with healthcare.
wheelsup
Well-Known Member
I think it's good long term, however our current health care system is not geared toward them at this time. Eventually, with enough of them around, I think it will be. Put for those put on the plan initially it will be really though to shoulder the inflated cash cost of health care.
mrivc211
Well-Known Member
I'm going to post some HSA horror stories and remove the names. Folks, buyer beware, you get what you pay for!!!!
One pilot wrote:
I billed a few hundred thousand on the CDHP this year removing a brain tumor. For me, the $1150 deductible ($1200 for 2010, single) counted toward my $5000 out of pocket (single for 2009, it will be $3000 in 2010).
Of course, that doesn't count the tens of thousands I now owe because the policy itself sucks. The pitiful amount that United covered did not properly compensate the world-class doctors I went to.
Another:
I just hate UHC to begin with, been fighting over a $3300 bill after getting the flu and 103.5 temp. After going to the er on a sunday, UHC denied my claim because the high temperature (pyrexia)(a FEVER), was a red flag / pre existing condition. Thus since I was under a year at Airline back in march, I have been having to prove that I have not had a "FEVER" in the last year. Have talked with a family member who is a doctor and my FAA medical doctor about it and they just laugh and say its UHC, and they are prob fishing for something so they dont have to pay, or as little as possible...
Its still a mess to deal with and now have the hospital coming after me for the 3300.. URGH... I HATE UHC
another:
UHC is the "Mesa" of the insurance industry. There's really no arguing that point.
another:
My wife is a part time(she works the two days a week that I am off reserve) Pharmacy Tech and when I told her that in 2012 we are being forced into the HSA and the insurance provider is UHC she nearly started crying telling me horror story after horror story about the [censored] service UHC provides and what a pain it is for people to get prescriptions. Thanks again for all you do.
One pilot wrote:
I billed a few hundred thousand on the CDHP this year removing a brain tumor. For me, the $1150 deductible ($1200 for 2010, single) counted toward my $5000 out of pocket (single for 2009, it will be $3000 in 2010).
Of course, that doesn't count the tens of thousands I now owe because the policy itself sucks. The pitiful amount that United covered did not properly compensate the world-class doctors I went to.
Another:
I just hate UHC to begin with, been fighting over a $3300 bill after getting the flu and 103.5 temp. After going to the er on a sunday, UHC denied my claim because the high temperature (pyrexia)(a FEVER), was a red flag / pre existing condition. Thus since I was under a year at Airline back in march, I have been having to prove that I have not had a "FEVER" in the last year. Have talked with a family member who is a doctor and my FAA medical doctor about it and they just laugh and say its UHC, and they are prob fishing for something so they dont have to pay, or as little as possible...
Its still a mess to deal with and now have the hospital coming after me for the 3300.. URGH... I HATE UHC
another:
UHC is the "Mesa" of the insurance industry. There's really no arguing that point.
another:
My wife is a part time(she works the two days a week that I am off reserve) Pharmacy Tech and when I told her that in 2012 we are being forced into the HSA and the insurance provider is UHC she nearly started crying telling me horror story after horror story about the [censored] service UHC provides and what a pain it is for people to get prescriptions. Thanks again for all you do.
mrivc211
Well-Known Member
Listen bud, Not everyone lives in Provo where your cost of living is pennies on the dollar. Come out of your micro bubble and into the real world.
kellwolf
Piece of Trash
You know who used to be the CEO at UHC, right?
SpiraMirabilis
Possible Subversive
It seems to me that one should have either a high deductible OR a 80/20 split. As it is you're going to have to pay your high as heck deductible and even then you'll still be responsible for 20% of the rest of the costs???
Your MEC and local reps took this issue very seriously. Within a few days of the announcement, there was a meeting with MEC, system board, retirement and insurance, grievance committee, ALPA attorney, and ALPA national. A nicely worded letter was sent by our MEC chair to our president of flight ops expressing concern for a potential contract violation if and when the PPO was pulled. Another letter went to HR requesting a meeting due to the potential loss of the PPO. The last I have heard is that the PPO issue is now being re-examined, whatever that means. My feeling is that the issue is more on the front burner than the back burner.
kellwolf
Piece of Trash
RA. Curiously, pretty much as soon as he took over as CEO at UHC, we switched to UHC as our insurance provider. Now that he's over at Delta, we've got Cigna. I prefer Cigna.