Originally Posted by
tennisguru
HSA: best options is the silver plan. $186/mo. $2200 company contribution if you jump through 3 easy hoops (but you don't get paid until the beginning of the next year). Gold has lower deductibles but is really only cheaper if you have multiple people hit the individual out of pocket max in a year. That is $319/mo
Copay plan: Not really familiar with this. No HSA available. $435/mo
Delta Pilots Medical Plan (DPMP): The only plan that is guaranteed in our contract. No HSA, lower deductibles but much higher premiums ($668/mo). I know a few people who are heavy users of our medical plans and every year they come out cheaper by going with the HSA over the DPMP. I think the DPMP is a winner if you have a family member on lots of expensive prescription drugs as all you pay for RX are copays.
All rates quoted are for family. Coverage begins day 1 of indoc.
The other benefit of the DPMA is that in-network and out-of-network out of pocket limits both come out of the same bucket.
The DPMA, being a contract plan, has a robust appeals process.
I’ve been in the DPMA forever. If you’re single, the premiums are quite low, and I’ve never had a single hassle with it, even with some fairly expensive items.