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Old 08-04-2019, 06:44 AM
  #5  
flydiamond
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Joined APC: May 2016
Posts: 1,013
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Endeavor has a high deductible HSA plan that runs $414 a month and a 80/20 PPO with a lower deductible that runs $975.

Generally, most pilots have found that the difference in premiums over the course of the year (which amounts to $6700) pays for the out of pocket maximum on the high deductible plan so it is generally a better deal whether you use it very little or use if a lot. All of this is tax free. For a family, the deductible is $2700 (of which $1350 is paid by the company with HSA seed money) after which there is 20% coinsurance to a $6000 out of pocket maximum. The traditional PPO has those very high premiums but also pretty steep copays ($25/$35), an $800 deductible for procedures, and a $3000 out of pocket maximum. So worst case $9700 out of pocket (tax free) on the high deductible plan versus $15,000 on the traditional plan.

Retirement at Endeavor is kinda a joke as well. They match 3% only for the first 4 or so years. Goes up from there, all the way to like a 12.5% match after year 20. It takes a few years to become fully vested but it’s not a “cliff.”
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