|
|
Originally Posted by hockeypilot44
(Post 1281477)
Every time I read about our new benefits, I get ****ed off. Did anyone else read that the 2014 Gold plan is only going to provide $1000 per family instead of the current $1500. You then get to jump through hoops to get up to $600 more. The hoops you have to jump through are to me none of Delta's business. I feel they are personal decisions that Delta should have no part in. Does anyone have any experience with the diamond HSA or DPMP? I am strongly considering the DPMP option.
Where did you get $1000/ family? The Health Rewards are on top of the HRA money. R1 |
Originally Posted by TenYearsGone
(Post 1281488)
DO THE DIAMOND! After careful scrutiny, Diamond is cheap and excellent. I just hope they dont yank Diamond out next year, like my beloved PPO :mad:
TEN I was tempted with the DPMP (closest to the leaving PPO) however DIAMOND is better for my family. Until we an get the DPMP back to a co-pay plan with the same premiums, I'll be going to the Diamond, glad I spent all my notional Delta Dollars in my HRA this year! Definite kudos to the NC for improving the DPMP so much, the enhancements, the reduction of premiums made it a very difficult choice. $50-100 less in premiums and first dollar into a 15/85 split will get me to switch for sure. |
Originally Posted by Razorback one
(Post 1281538)
I am looking at the Active Employee Summary right now. Employee + Family is $1500 HRA money from Delta. Deductibles went up to $1150 pp/ $3450 Family.
Where did you get $1000/ family? The Health Rewards are on top of the HRA money. R1 I believe in 2014 it is decreased to $1000, but by doing 3 very easy things you can raise it to $1600. |
Great Healthcare planning tool
Originally Posted by johnso29
(Post 1281544)
I believe in 2014 it is decreased to $1000, but by doing 3 very easy things you can raise it to $1600.
While we're all debating the merits of each plan there is a GREAT PLANNING tool on the web site that will take last years costs and tell you exactly how much you would pay (premiums, co-pays, deductibles, out of pockets) for EACH plan (Gold, Silver, DPMP, Ruby, Diamond, etc) for the new year. While there is no guarantee that your health care needs will be the same this year it does give you another piece of data to help you with the decision. I'm not eligible for any HSA plans (no military retiree is) so my choice is Gold, Silver or DPMP (Tricare Prime does not work well if you're outside of a major met area). |
Originally Posted by johnso29
(Post 1281544)
I believe in 2014 it is decreased to $1000, but by doing 3 very easy things you can raise it to $1600.
|
What the Catain means
|
Originally Posted by johnso29
(Post 1281544)
I believe in 2014 it is decreased to $1000, but by doing 3 very easy things you can raise it to $1600.
However, I still don't know which one to choose. We are relatively healthy, but the Silver HRA scares me. IF we do get sick, wow! Lots of out of pocket. R1 |
Originally Posted by DAL73n
(Post 1281548)
Hi Everyone,
While we're all debating the merits of each plan there is a GREAT PLANNING tool on the web site that will take last years costs and tell you exactly how much you would pay (premiums, co-pays, deductibles, out of pockets) for EACH plan (Gold, Silver, DPMP, Ruby, Diamond, etc) for the new year. While there is no guarantee that your health care needs will be the same this year it does give you another piece of data to help you with the decision. I'm not eligible for any HSA plans (no military retiree is) so my choice is Gold, Silver or DPMP (Tricare Prime does not work well if you're outside of a major met area). |
Originally Posted by scambo1
(Post 1281594)
I have been hunting and pecking for this great planning tool, but haven't found it - where is it located?
It's with all of the health care plan stuff in the Employee Self Serve. It compared three plans for me, but the DPMP was not one of them. |
Originally Posted by Razorback one
(Post 1281568)
I stand corrected. The Health Rewards don't start until 2014. The Gold HRA is still $1500/family for 2013.
However, I still don't know which one to choose. We are relatively healthy, but the Silver HRA scares me. IF we do get sick, wow! Lots of out of pocket. R1 Its called insurance for a reason. I have done the gold the last five years and and really debating what to do this year. I have a family of five and or medical bills are steadily going up. |
| All times are GMT -8. The time now is 05:23 AM. |
|
Website Copyright © 2026 MH Sub I, LLC dba Internet Brands