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EWRflyr
08-01-2013, 07:33 AM
We partner with Aetna to administer our U.S. medical plans in 2014
Nearly every day, some aspect of health care is in the news. It’s a hot topic for us, too, because we know you value the medical benefits we provide to you and your family. That’s why we review our benefits annually to ensure we offer the highest-quality health care plans at a price that is affordable for you and the company over the long term.
We have chosen Aetna as our primary benefit provider for our U.S. medical plans beginning in 2014 and will no longer offer medical PPO and Medicare supplement plans through Blue Cross Blue Shield (BCBS) and United Healthcare (UHC). (This change will not impact HMOs offered by BCBS and UHC for active co-workers and retirees.)
For most co-workers in United’s medical plans, the change to Aetna will be seamless. You’ll use the same providers you see today, but Aetna will administer your health care claims. Express Scripts will continue to be our prescription drug provider and ValueOptions will continue to be our behavioral health provider.
Most co-workers’ doctors are already in Aetna’s network, but, if your doctor is not, you may nominate him or her to be included. Nominated providers will need to meet the Aetna certification requirements and agree to join the network. Transition of care benefits will be provided for co-workers who are in the middle of a medical treatment with a provider that is not in the Aetna network.
For more about the change to Aetna, go to the Benefits (http://webmail.roadrunner.com/do/redirect?url=http%253A%252F%252Fflyingtogether.ual .com%252Fweb%252Fcontent.jsp%253FSID%253DFlyingTog ether_HR%2526path%253D%252Flinks%252FBenefits.jsp) page on the Employees Services tab. We’re still working on the details of the transition and will continue to post information on whom to call if you have questions, determining if your provider is in the Aetna network and what you need to do to avoid disruption of current treatment for yourself or family members.
Annual Benefits Enrollment information about our 2014 benefits will be available in late September. This year, benefits enrollment for 2014 benefits will begin in mid-October.


Carolsdanger
08-01-2013, 08:09 AM
Was CAL self insured and did Aetna administer the program?

It may seem harmless, but I'm sure the company has cut or will be cutting benefits at our expense. With the separate MEC's, are both the R&I committees looking at the impact this will have going forward? Company figures it's a good time to change things while nobody is minding the store. Maybe a call to your local rep is needed to protect benefits.

AxlF16
08-01-2013, 12:28 PM
Was CAL self insured and did Aetna administer the program?

It may seem harmless, but I'm sure the company has cut or will be cutting benefits at our expense. With the separate MEC's, are both the R&I committees looking at the impact this will have going forward? Company figures it's a good time to change things while nobody is minding the store. Maybe a call to your local rep is needed to protect benefits.

I had to switch providers last month because my provider stopped accepting Aetna. Apparently they were too much trouble to deal with. It was a GREAT practice and I'm not happy about the change. Be prepared for more of tbe same.


larryiah
08-01-2013, 01:11 PM
Praying for the health of my co-workers.

EWRflyr
08-02-2013, 07:30 AM
I believe CAL was self-insured. Aetna was one of a few options that CAL offered.

I currently have an Aetna BYO plan where I selected the deductible, co-insurance and prescription drug coverage. I have been very happy with Aetna since it became an option. I usually get an EOB online within two weeks of a health care visit. It is easy to understand and claims have been paid to the provider within a couple of weeks. They have been very easy to deal with.

United Health Care was an option and when I was thinking about going with them my parents advised me not to make that choice. They had UHC at their jobs and they had been nothing but a nightmare to deal with. Have heard similar stories from others.

Then again you can probably find people who have positive and negative experiences about any health plan. For me, I am happy to see Aetna as the main plan going forward based on my own experiences.

Carolsdanger
08-02-2013, 08:26 AM
Retirement & Insurance: UAL

Aetna will be the Primary Benefit Provider Starting in 2014

This week United announced that Aetna will be the primary benefit provider for U.S. medical plans beginning in 2014. PPO plans will no longer be offered through Blue Cross Blue Shield or United Healthcare. This change, which, as explained below, is permitted under the UPA, will not affect HMOs offered by BCBS or UHC.

This change will take place January 1, 2014. There is nothing you need to do now. None of your benefits are changing at this time. Annual enrollment is scheduled to take place in October and as that time approaches look for more information from the Company and your R&I Committee to help you make medical decisions.

Pilots with Aetna insurance will not be affected. Pilots with a BCBS PPO will not be affected if their physician is also in the Aetna network. Approximately 95% of BCBS physicians are in the Aetna network. If your physician is not in the Aetna network, there will be a process to nominate your physicians to get them in the Aetna network. If they are unwilling to join the Aetna network, then you will have to find a new physician in the Aetna network or continue with your current physician and pay out of network costs. Pilots in the middle of a medical treatment with a provider that is not in the Aetna network will have transition of care benefits whereby they will continue to pay in-network rates while the medical treatment continues.

The Company has the ability to change the benefit provider. Section 24 of the United Pilot Agreement covers Insurance and the contractual requirement for the Company to offer certain Core Medical plans (a PPO, an EPO and a HDHP) and Select Regional Medical Plans. Appendix A of Section 24 describes the plan designs (deductibles, out of pocket maximums, office co-pays, etc…) of the Core plans. The plan designs of the Core plans cannot be changed without ALPA agreement but the benefit provider (Aetna, BCBS, UHC) can be changed.

The Company must also offer pilots any other medical plan they offer to other employees, though the pilot contribution does not have to equal the contribution amount that other employees pay. The Company can also offer other medical plans at a contribution amount set at their discretion but the sum of all medical plan contributions paid by pilots can never exceed 20% of the total cost of all the medical plans.

There will be changes to our medical plans in 2014. Look for information from the Company and the R&I Committee in mid to late September to help you make choices during Annual Enrollment. Annual Enrollment is scheduled to take place in mid to late October.

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All L-UAL guys should have received an email containing the above section from R&I.
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I've had BCBS PPO plan since day one at United and have had absolutely no problem with it being accepted or unnecessary paperwork. I'm not sure if the Aetna program will have a PPO option at the old BCBS payment ratio of 80/20. I understand UAL retires will have trouble with the Medicare GAP coverage with Aetna. Another example of the company cutting benefits without employee input. If you think the company cares about you or your family, this is a good example of how their unilateral actions impact your family. THEY DON'T CARE!