Spirit of NKS, Part II
#5701
Gets Weekends Off
Joined APC: Oct 2010
Posts: 4,603
I don't think many actually do the math on the diamond plan. With a family it makes total sense. Deductible is $4500 but the company kicks in $3000 towards it so you are only on the hook for $1500 then the plan pays 90% after the deductible is met. You are in the same network and use the same doctors as the part a and b plan. You save over $3600/yr in premiums. If you don't use all of the company's $3k it rolls to the next year and then you get another $3k so if you rolled over more than $1500 you have covered your entire deductible the second year and anything over that will start paying on those 10% bills should you get through your deductible and be where the plan is paying 90%.
Due to max yearly out of pocket limits you end up about even with the a and b plan in a catastrophic year. If you have a normal year the premium savings and the fact that the company's money rolls over you are coming out way ahead.
Caveat: if you take regular prescriptions the diamond plan is not good and certain prescriptions can be quite expensive.
Due to max yearly out of pocket limits you end up about even with the a and b plan in a catastrophic year. If you have a normal year the premium savings and the fact that the company's money rolls over you are coming out way ahead.
Caveat: if you take regular prescriptions the diamond plan is not good and certain prescriptions can be quite expensive.
#5702
Gets Weekends Off
Joined APC: Feb 2015
Position: A320 - the one that turns the fuel pumps on
Posts: 106
I don't think many actually do the math on the diamond plan. With a family it makes total sense. Deductible is $4500 but the company kicks in $3000 towards it so you are only on the hook for $1500 then the plan pays 90% after the deductible is met. You are in the same network and use the same doctors as the part a and b plan. You save over $3600/yr in premiums. If you don't use all of the company's $3k it rolls to the next year and then you get another $3k so if you rolled over more than $1500 you have covered your entire deductible the second year and anything over that will start paying on those 10% bills should you get through your deductible and be where the plan is paying 90%.
Due to max yearly out of pocket limits you end up about even with the a and b plan in a catastrophic year. If you have a normal year the premium savings and the fact that the company's money rolls over you are coming out way ahead.
Caveat: if you take regular prescriptions the diamond plan is not good and certain prescriptions can be quite expensive.
Due to max yearly out of pocket limits you end up about even with the a and b plan in a catastrophic year. If you have a normal year the premium savings and the fact that the company's money rolls over you are coming out way ahead.
Caveat: if you take regular prescriptions the diamond plan is not good and certain prescriptions can be quite expensive.
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#5703
Gets Weekends Off
Joined APC: Jan 2016
Posts: 155
It could only be Spirit flying 617 around for 8 days no RVSM doing transcons.
High five!
High five!
#5706
Line Holder
Joined APC: Oct 2015
Posts: 78
Got called twice for JM's this morning.
*yawn*
No thanks.
*yawn*
No thanks.
#5707
Line Holder
Joined APC: Oct 2015
Posts: 61
Kudos to our MEC chairman for issuing the press release. I don't think we've seen such a statement since the strike. It's good to see us "stand up to the man" in a public way. Now, if this group of "lower tier" pilots can perform the way lower tier pilots would be expected to perform, we might start to get somewhere.
#5708
Gets Weekends Off
Joined APC: Feb 2014
Position: CA
Posts: 299
Already three calls for JM's today...ill show them low tier!
#5709
Yep, got a call for help. I said sure, happy to, just release me from the rest of the month! "Oh, we can't do that" I said, "well call me if you change your mind!" Haha. You get what you pay for, "lower tier" pilot "stealing from the company during transition" #nomorehelpforthethreestooges!!!
#5710
Gets Weekends Off
Joined APC: Feb 2014
Position: CA
Posts: 299
Yep, got a call for help. I said sure, happy to, just release me from the rest of the month! "Oh, we can't do that" I said, "well call me if you change your mind!" Haha. You get what you pay for, "lower tier" pilot "stealing from the company during transition" #nomorehelpforthethreestooges!!!
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downinthegroove
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06-03-2008 05:55 PM