Originally Posted by
GATAM06
Nice diatribe but there is an annual out-of-pocket max of $6,400 on the CDHP. Guess what the out-of-pocket max is on the PPO...$6,000. Not much of a difference. With those hundreds of thousands of medical bills your FO will only pay $6,400. Granted that is for each calendar year, if continuing treatment needed.
The reason medical bills are the number one cause of bankruptcy is because people have medical problems and don't have any insurance not because of CDHPs.
What F/O could afford 6400.00 in Dec and 6400.00 in Jan? For a newhire F/O that's almost 1/2 of their yearly gross. And since the CDHP is ultimately funded by Skywest they will have a say in coverage......its not a diatribe, its reality.The CDHP is for healthy people, ask one of our Captains who was injured in a snowboarding accident what its like to be medicaled out for more than 6 months. Unfortunately you are healthy until you aren't.