Any "Latest & Greatest" about Delta?
07-15-2012, 05:50 AM
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Joined APC: Apr 2008
Posts: 1,462
Do you have the gold plan? If so, you will spend $9248 on health insurance this year not including dental or vision. The HRA gold plan is about as bad as it gets if you actually use it. It looks good if you only go to the doctor once of twice a year, but for something major, it is a very bad plan.
I'll break it down for those that don't understand it. (114.50x24) for premiums + 3000 family deductible + 5000 family max out of pocket - 1500 HRA account. It comes out to $9248. This is assuming you manage to keep every claim in-network. I put $2000 into the FSA account this year because I knew we were having a kid. I just paid $2000 out of my pocket because my HRA and FSA account are empty. It is my own fault for picking this plan. I will never pick it again. The HRA account is there as a distraction because the plan is so bad. You end up with a $1500 deductible for the family instead of a $3000 deductible, but that deductible does not count towards the out of pocket max.
I'll break it down for those that don't understand it. (114.50x24) for premiums + 3000 family deductible + 5000 family max out of pocket - 1500 HRA account. It comes out to $9248. This is assuming you manage to keep every claim in-network. I put $2000 into the FSA account this year because I knew we were having a kid. I just paid $2000 out of my pocket because my HRA and FSA account are empty. It is my own fault for picking this plan. I will never pick it again. The HRA account is there as a distraction because the plan is so bad. You end up with a $1500 deductible for the family instead of a $3000 deductible, but that deductible does not count towards the out of pocket max.
To reach that out of pocket maximum, you had to have charged at least $43,000 in medical expenses at the in-network rate. Add in another $500-1000 of expenses for the "free" preventive services you might have utilized, and you're at roughly $44,000 of medical expenses on the year. And that's at the UHC negotiated discount, generally about 50%. So, let's do the real math on that $88,000 of medical expenses that the doctors/hospitals actually charged:
$44,000 - written off by the doctor as a loss
$9,248 - your share of the remaining $44,000
$34,742 - Delta's share of the remaining $44,000
Yes, we pay a ton for health care. That is a huge problem in this country. But you're not the only one "taking it in the shorts". Do I wish we all had "free" health care, like we used to. Of course. But whose pocket do you propose to take that money from? I'm just asking a serious question.
And BTW, just what medical plan do you plan to take, if you're gonna drop the Gold HRA? There are no silver bullets out there. Choose carefully.
07-15-2012, 06:14 AM
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Position: B757/767
Posts: 13,088
I think we eliminated the 55 hours of pay for a SIL(through a side letter I believe) during our last contract. I'll search, but I think that sweet deal is gone.
07-15-2012, 06:16 AM
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Joined APC: Jul 2010
Posts: 793
Well, I was speaking to insurance. Glad to hear you're completely satisfied with your company's insurance plan and its costs. No need for future NCs to address that issue. Well, except in regard to what you're willing to give up to keep it.
07-15-2012, 06:31 AM
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Posts: 2,325
07-15-2012, 06:31 AM
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Posts: 784
Don't forget that a 744A (and all fNWA) is not going to be on the DAL DC contribution until 31 Dec 13 as per previously negotiated DC harmonization. Not b*****g, just commenting the fact that the rosy total TA compensation projections don't apply to 40% of the pilot group until year 3 of the TA.
07-15-2012, 06:50 AM
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Joined APC: Jun 2006
Position: A-320A
Posts: 18,563
Take a look back at 744 ALV's for the last year and tell me how a 744A is going to average 87hrs a month, even with vacation credit
Don't forget that a 744A (and all fNWA) is not going to be on the DAL DC contribution until 31 Dec 13 as per previously negotiated DC harmonization. Not b*****g, just commenting the fact that the rosy total TA compensation projections don't apply to 40% of the pilot group until year 3 of the TA.
Don't forget that a 744A (and all fNWA) is not going to be on the DAL DC contribution until 31 Dec 13 as per previously negotiated DC harmonization. Not b*****g, just commenting the fact that the rosy total TA compensation projections don't apply to 40% of the pilot group until year 3 of the TA.
Is this not because of the targeting matrix that the pre-merger NWA MEC agreed to?
07-15-2012, 07:37 AM
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Joined APC: Jul 2006
Position: Space Shuttle PIC
Posts: 2,007
Thanks for outing me!? Okay, go ahead, YES, I MUST be this General Lee guy. Caught me! Which other site am I on again? You say it is FI, which stands for what? Is that Flight International? I must be a newbie here, with my 1900 posts. I take names of other guys, 6 years ago. But, I must be him.
Last edited by Bill Lumberg; 07-15-2012 at 08:10 AM.
07-15-2012, 08:11 AM
On Reserve
Joined APC: Jul 2008
Position: MSP7ERB
Posts: 1,886
I have heard that its difficult to find Tricare providers if you don't live near a big military base. I still live in a military town and have had a very good experience with Tricare. My wife has had a rough couple of years medically, but my out of pocket has been minuscule.
As a retiree, I think our maximum out-of-pocket costs are $3,000 for the family, and our annual premium is $520/year, deducted from our retiree paycheck. I've read that the Delta Gold HRA is $229/month, or about $2,700 annually.
I agree that finding a Tricare provider in a non-military town may be difficult.
07-15-2012, 08:11 AM
Gets Weekends Off
Joined APC: Apr 2005
Position: 767ER capt
Posts: 1,190
I think the category to be in right now is the A330. A lot of those guys are crediting above 110 hours per month. I have to think that is a good part of what is skewing the company average to 87 hours.
07-15-2012, 08:21 AM
Gets Weekends Off
Joined APC: Apr 2005
Position: 767ER capt
Posts: 1,190
Bill's sunny outlook is no better or no worse than the doom and gloom outlook that's become so prevalent on this board. My guess is that the mainstream of our pilot group thinks that thing are going pretty well now. Not great, but pretty well.
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