SWA self insures. They hire UHC to manage the paperwork, because in-network rates are much lower for many services. Every pilot and their family is covered under a basic 80/20 major medical plan from day one.

After the initial period, you can enroll in one of several choices. The basic plan includes dental and is free to employee and family and you can go to any doctor or facility. It's biggest drawback is a one million lifetime benefit.

We also have "benefits plus" which comes through UHC. They have a two million dollar lifetime benefit. You can choose between a PPO plan, an HMO plan, or a minimum benefit plan if you or spouse have other coverage that actually rebates money back to you.
The PPO is about $35.00 a month for a family and the HMO a little higher. With the HMO there is no deductible and a flat fee for every office visit, perscription, or hospital procedure. Here in Arizona UHC has a huge network both the HMO and the PPO have pretty much the same in network directory. In other areas they don't. Most people choose the plans based upon the directory where they live.
You can also opt for enhanced dental benefits and vision benefits. Enhanced dental is about $22.00 a month and vision is about $15.00 For a large family like mine, they are a good deal, but not so much for singles or couples.
We also have pretty decent disability coverage that is a combination of three different plans, one (loss of license) that is free from the company and two additional ones (LTD and PMA) that are available for additional premiums.