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View Full Version : Medical Benefits


RabidW0mbat
01-08-2018, 01:39 PM
Getting close to ATP mins, and as of now, Air Wisconsin and Envoy are top of my list. Obviously that can change quickly in this environment, but as it stands, that's where I'm at...I'm looking for some more details as far as coverage / cost for medical for a family of 5 at ZW.

Thanks.


DarkSideMoon
01-08-2018, 02:09 PM
Getting close to ATP mins, and as of now, Air Wisconsin and Envoy are top of my list. Obviously that can change quickly in this environment, but as it stands, that's where I'm at...I'm looking for some more details as far as coverage / cost for medical for a family of 5 at ZW.

Thanks.

Someone else that's actually used it and has a family plan (I just pay for myself) will be able to give you more details but it's probably the best insurance you could find *anywhere*.

BigWillyCapt
01-08-2018, 02:39 PM
I have the PPO family plan. You will pay roughly $600/mo for any of the standard plans. The HMO is a bit more in premiums but the out-of-pocket costs are less for visits etc. It's Blue Cross/Blue Shield. The comprehensive is similar to PPO in cost. I forget whether it's a bit more or less. There are some newer style high deductible plans but I'm not familiar with those.

For me, the PPO is $0 deductible in network and $750/family out of network. Office visits are $15 copay in network and %30 coinsurance out of network. Annual out of pocket for family is $1500. Other services like pregnancy, hospital visits etc are generally %10 coinsurance in network and %30 out of network. Prescriptions are %20 coinsurance.


trevtt600
01-08-2018, 06:25 PM
HMO plan (our Cadillac plan) is the way to go. One of the best insurance plans in the country, I would bet. Just over $500 for the family, and you never pay more then $15 copay for anything. ($50 copay for emergency room visit)

It's absolutely amazing insurance. I've had 2 kids, and the grand total out of pocket has been... Wait for it... $30...

If you need good health insurance, you couldn't come to a better place.

RJ4LIFE
01-09-2018, 03:13 AM
It's true, Air Wisconsin's health insurance puts even the majors' to shame. In this day and age of high deductible plans it is absolutely incredible to still see a plan like they have.

RabidW0mbat
01-09-2018, 06:26 AM
Many thanks! Still will be an increase from my current IT/Network Admin job benefits, but Apples & Oranges right?

squib
01-09-2018, 07:01 PM
Many thanks! Still will be an increase from my current IT/Network Admin job benefits, but Apples & Oranges right?

Impossible. Air Wisconsin has the best health care period.

WhiskeyDelta
01-10-2018, 11:42 AM
Impossible. Air Wisconsin has the best health care period.


In the industry, yes. But if his premiums are lower then itís possible.

squib
01-10-2018, 12:18 PM
In the industry, yes. But if his premiums are lower then itís possible.

Possibly. But anytime I go to the doctor or optometrist the response I get is usually something along the lines of "who do you work for, we have never seen this much coverage before and there's no deductible so have a nice a day."

WhiskeyDelta
01-10-2018, 03:20 PM
Possibly. But anytime I go to the doctor or optometrist the response I get is usually something along the lines of "who do you work for, we have never seen this much coverage before and there's no deductible so have a nice a day."


Iím right there along with you. Had my first child at ZW and the second at Delta. Not asking anyone to cry for me but I did let a little tear go once I saw the bill after the second was born.

RabidW0mbat
01-11-2018, 09:31 AM
I guess along the same lines, how's the dental? Even at my IT job, I hit my 2,000 yearly limit fairly quickly.

As a comparison for medical, my current IT job uses BCBS HMO. $3600 deductible for a family. With my 2nd kid, the PPO version cost us about $1100, with the 3rd, on the HMO, it cost me a grand total of $200 at the same hospital and same midwife group. ER is $150, $25 if admitted. It does sound like ZW's medical benefits are amazing. I'm leaning toward Air Whisky vs. Envoy. Need to finish my 4 year degree to get the United CPP to work for me as well.