Health Insurance through Delta
11-05-2023, 10:37 AM
#131
Gets Weekends Off
Joined APC: Nov 2020
Posts: 1,776
Originally Posted by crewdawg
I know this is a contentious issue but, I don't understand how people come to this conclusion. Everything I've ever read says that you are ineligible for an HSA if you HAVE Tricare, not if you're eligible. Just because you're eligble to purchase Tricare, doesn't mean your covered. Can anyone point to where it says that if you're even eligible for Tricare, you can't have an HSA? The quote below says you must participate in a high deductible health plan and HAVE no other insurance. Even the 4th bullet in your quote says you simply cannot participate in such a plan, nothing about eligibility.
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According to mgmt, Anything is legal until a grievance (auditor) says otherwise so blame Delta mgt to the irs if you get leveied with some hefty fines in the future during an audit. Most taxes are collected by voluntary compliance so like the pilots of past who claimed FL residency only to get busted, alls well till it ain’t.
11-05-2023, 10:58 AM
#132
Gets Weekends Off
Joined APC: Mar 2007
Position: Petting Zoo
Posts: 2,074
Originally Posted by FangsF15
Yes, it' cheaper. The Newly-available DPMP Dental is only $16/month for a married couple, and is better coverage than the already excellent "Comprehensive Dental" (which is also more expensive).
Vision is $11.70/month for a married couple. I don't think you can touch the cost, much less the covered item %'s with anything Tricare offers for dental or vision.
"Regular" Tricare, however, is very good, and VERY cheap health insurance. I've had some pretty serious health bills in my household, and have never once had Humana deny coverage or question a bill. They. just. pay.
Open Enrollment is open on DLnet, and is linked on the main login page to look at your particulars (bigger family, other options, etc.)
Vision is $11.70/month for a married couple. I don't think you can touch the cost, much less the covered item %'s with anything Tricare offers for dental or vision.
"Regular" Tricare, however, is very good, and VERY cheap health insurance. I've had some pretty serious health bills in my household, and have never once had Humana deny coverage or question a bill. They. just. pay.
Open Enrollment is open on DLnet, and is linked on the main login page to look at your particulars (bigger family, other options, etc.)
Thanks
11-05-2023, 11:06 AM
#133
Gets Weekends Off
Joined APC: Nov 2020
Posts: 1,776
Originally Posted by Sputnik
Can you expand on that? Or better yet, teach a brother to fish? I can’t find coverage particulars for DPMP. I see the premiums are quite a bit lower, but that’s all I’ve found.
Thanks
Thanks
Go to open enrollment section, look at dental benefits and for pilots there is a new dpmp option that as fang said pays more and costs less. When looking at that option click three little dots and select documents.
11-05-2023, 11:27 AM
#134
Super Moderator
Joined APC: Sep 2011
Posts: 4,286
Originally Posted by Sputnik
Can you expand on that? Or better yet, teach a brother to fish? I can’t find coverage particulars for DPMP. I see the premiums are quite a bit lower, but that’s all I’ve found.
Thanks
Thanks
Both the comprehensive (my old) and DPMP Dental are through “Delta Dental”, so you won’t have to find a new dentist. And everything is covered at a higher percentage except preventative visits, which are 90% instead of 100%. The lower DPMP premium should more than cover that small cost. Hope that helps.
11-05-2023, 01:20 PM
#136
Gets Weekends Off
Joined APC: Apr 2008
Position: DAL FO
Posts: 2,154
Originally Posted by Tinpusher007
Anyone have an opinion on the option group accident insurance? I don't know much about it. Cost looks minimal; just curious if this is an option many people take up. TIA
I’m literally sitting in the ER right now getting an x-ray for a sports-related accident. The claim will pay all/most of what I would have been out of pocket otherwise - still haven’t met HSA deductible for the year.
Wellness reimbursements are $100/insured, so depending on your age/premiums it’s possible they’re paying you to have the policy. No brainer.
11-05-2023, 01:25 PM
#137
Gets Weekends Off
Joined APC: Mar 2006
Position: 330 B
Posts: 1,610
Originally Posted by LeineLodge
If you’re talking about the ALPA accident insurance, it’s a no brainer - particularly the younger you are (lower premiums and arguably higher risk of an accident claim.)
I’m literally sitting in the ER right now getting an x-ray for a sports-related accident. The claim will pay all/most of what I would have been out of pocket otherwise - still haven’t met HSA deductible for the year.
Wellness reimbursements are $100/insured, so depending on your age/premiums it’s possible they’re paying you to have the policy. No brainer.
I’m literally sitting in the ER right now getting an x-ray for a sports-related accident. The claim will pay all/most of what I would have been out of pocket otherwise - still haven’t met HSA deductible for the year.
Wellness reimbursements are $100/insured, so depending on your age/premiums it’s possible they’re paying you to have the policy. No brainer.
11-05-2023, 02:28 PM
#138
seeing the large hubs...
Joined APC: Oct 2006
Position: 73N A
Posts: 3,707
Originally Posted by Tinpusher007
Anyone have an opinion on the optional group accident insurance? I don't know much about it. Cost looks minimal; just curious if this is an option many people take up. TIA
Here are some of the different ALPA insurances you SHOULD have. This IS NOT DPMA! You did NOT have to sign up for this as a new hire and are always eligible for it. The two separate policies I will speak to are critical illness (pays out for stuff like cancer, diabetes etc) and Accident insurance. (You sign up for these on the ALPA national website). One of the cool things is they are essentially free because the wellness benefits that are associated with them pretty much cover the premiums. As an example of how accident insurance works, my son broke his finger this past summer. I submitted it to VOYA (who processes the claims and wellness benefits) and they paid me ~$900.
FYI Alpa’s max wellness for Critical Illness is $400/family ($100/adult, $50/kid). Sign up here ->https://www.alpa.org/resources/alpa-...itical-illness
Why I say this is time critical is you have to sign up either one or two months before the plan will be active. The cool thing is you will only be charged the remaining months premiums but qualify for the entire year’s wellness benefit. In other words, you will MAKE MONEY this year!If you haven’t filled out your wellness benefit for these policies this year here is the link https://claimscenter.voya.com/static/claimscenter/(Check out the MEC podcast here for other benefits you should have signed up for in INDOC https://open.spotify.com/show/75KfBzDHF67HnvUYcnCMxu
The other insurance policy is MetLife’s (Company plan) Critical Illness and their wellness benefit is $50per person. I had a hard time finding the new MetLife plan online. It isn’t on Open Enrollment but rather Delta Perks. If you end up needing to file a claim for this (cancer, diabetes etc) you can also make a claim under the ALPA one as well (double dipping is ok, just don’t double dip the chip).
11-05-2023, 06:02 PM
#139
Gets Weekends Off
Joined APC: Jun 2015
Posts: 1,667
Originally Posted by Tinpusher007
Anyone have an opinion on the optional group accident insurance? I don't know much about it. Cost looks minimal; just curious if this is an option many people take up. TIA
When I first got it I saw a car accident a lot more likely than cancer or heart attack to get me (or my spouse) based on health and age. It also pays out if I lost a hand with the table saw or injured my eye with the old Red Ryder. Relatively cheap insurance, but won’t payout for health problems. Without it we would be ok, but with it I know my family would be better if I get hurt or killed; or if my spouse was hurt, I could throttle way back with work. Augments company life insurance and Alpa additional life insurance I carry.
11-05-2023, 06:17 PM
#140
Roll’n Thunder
Joined APC: Oct 2009
Position: Pilot
Posts: 3,589
Originally Posted by freezingflyboy
Currently a Gold HSA user and considering the new DPMP HDHP. Does anyone know what happens to your HSA if you switch? Does it stay with Optum or do you have to roll it over into a different HSA administrator?
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