Originally Posted by
PilotJ3
Wife has some medical issues, I rather have less deductible so the 80% kicks in faster.
When pilots are making 150k or more a year, they definitely can afford better health care. HSA has different deductibles and co insurance out of network. With the DPMP you can go out of network with the same deductible and co insurance. That's why I pay "double", which is about $6 more than I payed in my regional health plan.
My overriding point is that the low premium HSA plans plus higher deductibles is really close to the high premium DPMP plus lower deductibles. In fact, if you ask KB-F in the ALPA benefits office she'll give you information suggesting the cost of the DPMP plan if one hits all of the maximums is higher than the Gold HSA when accounting for the Delta Rewards money.
And allow me to correct myself. DPMP isn't more than double as I said above. It's $574 vs. $348 for the Gold HSA.