Originally Posted by lostplanetairman

HRDiva here

I disagree. I have offered to assist many times as an HR professional but have always been told there are "experts" st ALPA. Well that wasn't true and it took an annoyed spouse who was an HR professional to document, quantify and argue that the plan wasn't compliant with the ACA, present it to the union and sit back. Your wives can now go for checkups and mammograms without a co-pay. Apparently ALPA didn't know that not doing so was a problem.

You need a buy up plan. The company gives you the premium and takes it away as a deduction. You pay taxes on the premium, but not on the benefit. To make it cost neutral for the employer, the benefit is reduced from 60% post tax to 50% pre tax. It's a win-win. That's what you need.

You also need a special open enrollment for supplemental as you upgrade.

Stand strong but stay informed and stop posting misinformation!!! Your health plan is now better than most, including legacies and includes free dental. In the real world, that is unheard of! Did you know JB only offers the high deductible plan? That's it. Oh, and while sponsoring Autism Spesks, they don't cover services for dependents with Autism.