Any "Latest & Greatest" about Delta?
10-23-2012 | 02:07 PM
Line Holder
Joined: Jul 2008
Posts: 68
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From: 73NB
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
10-23-2012 | 02:14 PM
Gets Weekends Off
Joined: Feb 2009
Posts: 2,642
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From: right for a long, long time
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.
10-23-2012 | 02:15 PM
Moderator
Joined: Oct 2006
Posts: 13,088
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From: B757/767
I believe in 2014 it is decreased to $1000, but by doing 3 very easy things you can raise it to $1600.
10-23-2012 | 02:24 PM
Gets Weekends Off
Joined: Dec 2009
Posts: 667
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From: 737n/FO
Great Healthcare planning tool
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).
10-23-2012 | 02:34 PM
Gets Weekends Off
Joined: Feb 2009
Posts: 2,642
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From: right for a long, long time
10-23-2012 | 02:48 PM
Gets Weekends Off
Joined: Apr 2009
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10-23-2012 | 02:53 PM
Line Holder
Joined: Jul 2008
Posts: 68
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From: 73NB
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
10-23-2012 | 03:35 PM
The Brown Dot +1
Joined: Jun 2009
Posts: 7,775
Likes: 0
From: 777B
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).
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).
10-23-2012 | 03:37 PM
Happy to be here
Joined: Jun 2006
Posts: 18,563
Likes: 0
From: A-320A
10-23-2012 | 03:38 PM
Happy to be here
Joined: Jun 2006
Posts: 18,563
Likes: 0
From: A-320A
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.
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