|
|
Originally Posted by NERD
(Post 1517005)
Sorry to keep beating this horse, when we could be discussing alpa/dpa or underboob:)
Ok, if my math is correct in a worse case situation in network only(gold $1908 premium + $2300 deductible + $4500 coinsurance max -$1050 rewards = $7658 out of pocket)(silver $708 + $4300 + $4500 - $550 = $8958) Difference of $1300 savings going with the gold. With only the individual maximums the difference is much smaller $5008(gold) vs $5308(silver). The calculator shows the silver saves me $700 for the year based on our past use, which was a pretty standard year for us. There's a pretty good comparison chart of all this stuff on the employee self service open enrollment page. |
Originally Posted by Scoop
(Post 1517031)
Does paragraph one above basically mean that if you are senior enough to hold those days off without vacation you will be able to slide your vacation onto those days?
Scoop :confused: This works for any other holiday period as well. |
Originally Posted by NERD
(Post 1516983)
Cohiba,
I live in DFW, so lots of in network(all my doc's). I'm just covering myself and a child. They look like the same coverage(preventive 100%, co-insurance in-network 80/20, out of 60/140 and prescrips the same) The only difference I see is the deductibles of 1150/2300 vs 2150/4300. Unless I'm missing something(highly likely) in a worst case max deductible situation I'm out an extra $550 family and $350 individual with the silver. If my usage is like last year which was standard(annual checkup for my son and I, and usually one or two visits each for a cold or other minor issue((knock on wood it continues this way)) So for me it looks like if I have another status quo year I save $700 dollars per year with the silver. I do agree if you go out of network it is a no-brainer. What am I missing? You are correct. We had a pilot a couple years ago in SLC whose teenage sons ski race and race snowmobiles. One of the boys crashes the snowmobile and needs to see the best neurosurgeon in the area. $22000 later he's calling for help. The neurosurgeon is out of network. The bottom line is this: You're balancing cash flow on a month to month basis and that's your Premium cost. Pretty easy to figure. You're balancing the risk/reward issue on your deductibles and a normal year is easy. It's that pit of the stomach and how well you sleep factor that makes it hard. Personally I use the HSA but this year the 80/20 makes the Gold HRA a better deal. I'll still use the HSA because I can save $6000 in my HSA account and we're heavy users of meds. But...the Silver is the basic no-frills plan and can bite you big if something should happen. It just depends how you roll the dice and sleep. |
Originally Posted by TheManager
(Post 1517055)
Copied from another thread:
Ruling just posted. Arbitrator rejects every aspect of the ALPA argument regarding the B717 sub-lease to Delta. My personal favorite is from page 46: Nonetheless, all that evidence shows is that ALPA gambled wrong in the first SLI Agreement when it rejected the terms of the Agreement in the hope of extracting more favorable terms from the Company. When Southwest responded with what ALPA considered a draconian “take it or leave it” offer, ALPA wound up with little leverage to negotiate terms in the second SLI Agreement. Here come more lawsuits. Then, when SWA mgmt showed them that sometimes doing all that chest-thumping, feels-good-looking-into-a-mirror stuff doesn't always pan out or work the way you had hoped, they found themselves in a worse situation. Let's face it, had the AirTran MEC ratified the original TA that their negotiators had reached, THEN they would be accused of being "sellouts" "caving" and all the other terms so popular in internet-land. This isn't ALPA's fault, and perhaps it isn't even the AT MEC's fault. Perhaps it is no one's fault, and this was just a case where a process ended up with clear winners and losers. But it is assuredly not ALPA national's fault! |
I liked the HSA when it was 100% and even 90% made it tempting. Saved me a ton when still married with all the meds and Dr. visits my hypochondriac ex had. Usually hit the max out of pocket by March/April. Now that I'm just covering myself and son the gold was the easy option, but the silver is tempting.
Originally Posted by Cohiba
(Post 1517085)
Nerd,
You are correct. We had a pilot a couple years ago in SLC whose teenage sons ski race and race snowmobiles. One of the boys crashes the snowmobile and needs to see the best neurosurgeon in the area. $22000 later he's calling for help. The neurosurgeon is out of network. The bottom line is this: You're balancing cash flow on a month to month basis and that's your Premium cost. Pretty easy to figure. You're balancing the risk/reward issue on your deductibles and a normal year is easy. It's that pit of the stomach and how well you sleep factor that makes it hard. Personally I use the HSA but this year the 80/20 makes the Gold HRA a better deal. I'll still use the HSA because I can save $6000 in my HSA account and we're heavy users of meds. But...the Silver is the basic no-frills plan and can bite you big if something should happen. It just depends how you roll the dice and sleep. |
Originally Posted by Herkflyr
(Post 1517089)
Why would there be lawsuits? Why is this evil ALPA's fault? The AirTran MEC did what every keyboard commando on this message board and most others always advocates--they "voted NO!!!" they "showed them who's boss" they "didn't cave" blah blah blah.
Then, when SWA mgmt showed them that sometimes doing all that chest-thumping, feels-good-looking-into-a-mirror stuff doesn't always pan out or work the way you had hoped, they found themselves in a worse situation. Let's face it, had the AirTran MEC ratified the original TA that their negotiators had reached, THEN they would be accused of being "sellouts" "caving" and all the other terms so popular in internet-land. This isn't ALPA's fault, and perhaps it isn't even the AT MEC's fault. Perhaps it is no one's fault, and this was just a case where a process ended up with clear winners and losers. But it is assuredly not ALPA national's fault! |
Originally Posted by NERD
(Post 1516983)
Cohiba,
I live in DFW, so lots of in network(all my doc's). I'm just covering myself and a child. They look like the same coverage(preventive 100%, co-insurance in-network 80/20, out of 60/140 and prescrips the same) The only difference I see is the deductibles of 1150/2300 vs 2150/4300. Unless I'm missing something(highly likely) in a worst case max deductible situation I'm out an extra $550 family and $350 individual with the silver. If my usage is like last year which was standard(annual checkup for my son and I, and usually one or two visits each for a cold or other minor issue((knock on wood it continues this way)) So for me it looks like if I have another status quo year I save $700 dollars per year with the silver. I do agree if you go out of network it is a no-brainer. What am I missing? Caution!! Something does not look right on the insurance summary page. The coinsurance max for the silver HRA does not match what is in the actual handbook. The handbook says for an employee and children would be $6500/$9750. The max out of pocket for a family is $6500/$13000. |
Originally Posted by Herkflyr
(Post 1517089)
Why would there be lawsuits? Why is this evil ALPA's fault? The AirTran MEC did what every keyboard commando on this message board and most others always advocates--they "voted NO!!!" they "showed them who's boss" they "didn't cave" blah blah blah.
Then, when SWA mgmt showed them that sometimes doing all that chest-thumping, feels-good-looking-into-a-mirror stuff doesn't always pan out or work the way you had hoped, they found themselves in a worse situation. Let's face it, had the AirTran MEC ratified the original TA that their negotiators had reached, THEN they would be accused of being "sellouts" "caving" and all the other terms so popular in internet-land. This isn't ALPA's fault, and perhaps it isn't even the AT MEC's fault. Perhaps it is no one's fault, and this was just a case where a process ended up with clear winners and losers. But it is assuredly not ALPA national's fault! Unfortunately, in society today it has become exceptable to to sue over trivial events. |
Originally Posted by TheManager
(Post 1517109)
Did not say it was ALPAs fault. I said there will be lawsuits. There always are when there are controversial and emotional rulings. Just look at the legal defending being done by ALPA in regards to UAL/CAL issues.
Unfortunately, in society today it has become exceptable to to sue over trivial events. |
Originally Posted by tsquare
(Post 1517102)
Interesting that one of the most vocal about how we took the first offer, caved and all of that is now saying that a group that followed his ideal plan and got hosed was somehow idiotic. Just amazing....
I don't hold anyone's yes or no vote against them, if it is arrived at after serious consideration of all the issues. Two guys can read the same TA and come to opposing conclusions. I just didn't get the original post's seeming conclusion that everything was ALPA's fault and that massive lawsuits and judgements were inevitable. |
| All times are GMT -8. The time now is 07:43 PM. |
|
Website Copyright © 2026 MH Sub I, LLC dba Internet Brands