Super,

I think what ACL is getting at is that our entire health insurance plan is self insured by Delta. So, there really is no need to call UHC because Delta holds all the purse strings. The premiums we pay for insurance goes to Delta (not the airline but their plan) and they pay UHC to administer it for them. All coverage/payment decisions lead to and go thru them (DAL).

Even though it's your individual account that may rollover year over year, I would bet when you push off, the excess goes to the general fund.

So, don't be surprised if it is set up that way on purpose with the thought that a certian percentage of claims will be forgotten or denials not fought. More money for the plan to be distributed elsewhere at a later date. That might be their thought of what a better way is.

New K Now