Originally Posted by
ClickClickBoom
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.
With the $1000 Skywest puts in your HSA, you are down to 5400 per year. That is 225 per paycheck, a big chunk yes (especially for newhires) but that will not bankrupt anyone. If the timing of the bills is as bad as you say, a payment plan can be worked out. On the basic CDHP plan you would hit your out-of-pocket maximum with $21,600 of total medical bills. Anything more than that is covered.
Your premise that a huge medical issue will bankrupt a pilot using the CDHP, and wise CCB will end up paying the bill, is flawed.
The CDHP is intimidating because sometimes there are big bills to pay but with the money you save on premiums, 99% of the time it is better than the PPO.