Any "Latest & Greatest" about Delta?
The older we get the higher our medical costs get. That would warrant a lower deductible plan. However, the new HSA's may be better for us youngsters. If I max out the HSA for the next 30 years I'll have an awful lot in that account to fund my old age problems.
Gets Weekends Off
Joined APC: Apr 2009
Posts: 1,568
Oh great whisperer of dogs, HOW BOUT THEM COWBOYS🍻👏🙌
$528/mo for DPMP vs. $176/mo for the Silver HSA? That is $4200 per year in premiums. I figure that unless you are 100% sure you will have a medical issue that will run you to the $2600 deductible in the Silver HSA, you would be better off taking the risk and going with the HSA. Throw the $4200 a year into your HSA and after a couple years you will have enough to always pay the max out of pocket if something bad does happen.
I just don't see the DPMP being a good option for very many of us. It might be "easier", but I don't see how it can be cheaper unless you know you will spend lots on healthcare.
Someone told me it was a "no brainer" for me with a family to be in the DPMP. Last year we used up $650 from our HRA money which cost us 0$ because that is money Delta puts in. Had we been in the DPMP we would have had had about $400 out of pocket expenses (Deductible + 20% copay after deductible). We also would have paid thousands more in premiums. Every year during open enrollment I go back and look at what my costs would have been the previous 3 years for each plan being offered. I then go with the plan that would have been the cheapest overall. So far in 8 years the DPMP would have cost me tons more than any of the other plans.
I just don't see the DPMP being a good option for very many of us. It might be "easier", but I don't see how it can be cheaper unless you know you will spend lots on healthcare.
Someone told me it was a "no brainer" for me with a family to be in the DPMP. Last year we used up $650 from our HRA money which cost us 0$ because that is money Delta puts in. Had we been in the DPMP we would have had had about $400 out of pocket expenses (Deductible + 20% copay after deductible). We also would have paid thousands more in premiums. Every year during open enrollment I go back and look at what my costs would have been the previous 3 years for each plan being offered. I then go with the plan that would have been the cheapest overall. So far in 8 years the DPMP would have cost me tons more than any of the other plans.
And hopefully you are the exception to the rule, but if you do ever need serious medical care, you'll find from experience that quality varies widely. With DPMP, I can go to Sloan-Kettering, The Mayo Clinic, or anyplace and see anyone I like without going 'out of network', and paying through the nose to have my life saved. And DL can't change the plan, because it's contractual. The others are not, and can be changed anytime for whatever reason.
One other thing. If you have a wife on the plan, you'll be amazed at the cost of women's health care. Guys are like Chevy's, for the most part. Just put gas and oil in it, wash it now and then. Women, well, think 1978 Ferrari. Sure, it looked great when it was new, and boy was it fast. But keeping it running and looking like a well-cared-for classic is a freaking financial black hole. It just keeps getting more expensive, and parts, well... don't get me started!!
Gets Weekends Off
Joined APC: Jun 2009
Posts: 5,113
It's true, the cheapest HSA plan is the best deal if nothing ever happens to you or anyone on the plan. But that's not why I buy insurance.
And hopefully you are the exception to the rule, but if you do ever need serious medical care, you'll find from experience that quality varies widely. With DPMP, I can go to Sloan-Kettering, The Mayo Clinic, or anyplace and see anyone I like without going 'out of network', and paying through the nose to have my life saved. And DL can't change the plan, because it's contractual. The others are not, and can be changed anytime for whatever reason.
One other thing. If you have a wife on the plan, you'll be amazed at the cost of women's health care. Guys are like Chevy's, for the most part. Just put gas and oil in it, wash it now and then. Women, well, think 1978 Ferrari. Sure, it looked great when it was new, and boy was it fast. But keeping it running and looking like a well-cared-for classic is a freaking financial black hole. It just keeps getting more expensive, and parts, well... don't get me started!!
And hopefully you are the exception to the rule, but if you do ever need serious medical care, you'll find from experience that quality varies widely. With DPMP, I can go to Sloan-Kettering, The Mayo Clinic, or anyplace and see anyone I like without going 'out of network', and paying through the nose to have my life saved. And DL can't change the plan, because it's contractual. The others are not, and can be changed anytime for whatever reason.
One other thing. If you have a wife on the plan, you'll be amazed at the cost of women's health care. Guys are like Chevy's, for the most part. Just put gas and oil in it, wash it now and then. Women, well, think 1978 Ferrari. Sure, it looked great when it was new, and boy was it fast. But keeping it running and looking like a well-cared-for classic is a freaking financial black hole. It just keeps getting more expensive, and parts, well... don't get me started!!
I do believe that there is still an "out-of-network" to the DPMP, but it has reasonable reimbursement, doesn't make you jump through the burden of establishing a separate deductible for out-of-network, and the deductible is manageable besides.
Gets Weekends Off
Joined APC: Apr 2011
Position: retired 767(dl)
Posts: 5,725
It's true, the cheapest HSA plan is the best deal if nothing ever happens to you or anyone on the plan. But that's not why I buy insurance.
And hopefully you are the exception to the rule, but if you do ever need serious medical care, you'll find from experience that quality varies widely. With DPMP, I can go to Sloan-Kettering, The Mayo Clinic, or anyplace and see anyone I like without going 'out of network', and paying through the nose to have my life saved. And DL can't change the plan, because it's contractual. The others are not, and can be changed anytime for whatever reason.
One other thing. If you have a wife on the plan, you'll be amazed at the cost of women's health care. Guys are like Chevy's, for the most part. Just put gas and oil in it, wash it now and then. Women, well, think 1978 Ferrari. Sure, it looked great when it was new, and boy was it fast. But keeping it running and looking like a well-cared-for classic is a freaking financial black hole. It just keeps getting more expensive, and parts, well... don't get me started!!
And hopefully you are the exception to the rule, but if you do ever need serious medical care, you'll find from experience that quality varies widely. With DPMP, I can go to Sloan-Kettering, The Mayo Clinic, or anyplace and see anyone I like without going 'out of network', and paying through the nose to have my life saved. And DL can't change the plan, because it's contractual. The others are not, and can be changed anytime for whatever reason.
One other thing. If you have a wife on the plan, you'll be amazed at the cost of women's health care. Guys are like Chevy's, for the most part. Just put gas and oil in it, wash it now and then. Women, well, think 1978 Ferrari. Sure, it looked great when it was new, and boy was it fast. But keeping it running and looking like a well-cared-for classic is a freaking financial black hole. It just keeps getting more expensive, and parts, well... don't get me started!!
Gets Weekends Off
Joined APC: Apr 2011
Position: retired 767(dl)
Posts: 5,725
Thanks for the insight. I think I'm going to the DPMP. I don't think it will be the cheapest option, but it may be the option that lets me sleep best at night.
I do believe that there is still an "out-of-network" to the DPMP, but it has reasonable reimbursement, doesn't make you jump through the burden of establishing a separate deductible for out-of-network, and the deductible is manageable besides.
I do believe that there is still an "out-of-network" to the DPMP, but it has reasonable reimbursement, doesn't make you jump through the burden of establishing a separate deductible for out-of-network, and the deductible is manageable besides.
Gets Weekends Off
Joined APC: Jul 2010
Position: window seat
Posts: 12,522
To add on to what you said, I've found that the paperwork and planning associated with managing an ever changing HSA account is not worth the time or effort. And I've had a few years where unplanned medical expenses made me wish I'd had the DPMP. It seems with the other plans, I'm always paying more than I expected, for everything, including dental. Yes the premiums are a bite out of your paycheck, but I don't have to give my biometric information to anyone, and I don't have to keep records, receipts, account ledgers or submit expenses to anyone. I just go and they pay. Done. And I sleep better knowing that if anything happens, I can go see whomever I choose, and it's covered.
I was close to getting the DPMP but went with an HSA. What I *think* the out of pocket maximum would be is one thing, but you hear horror stories about out of network Tylenols and people get billion dollar bills when they thought they were in network, etc. For the HSA's we have, max out of pocket is the absolute max no matter what, in or out of network, right?
That's what I'm trying to figure out as well. I like the idea of my tax free money going in and I keep it, but do they hassle you with "deny deny deny fill it out in triplicate deny deny deny oh so close but deny deny deny, ok we'll pay" like the bogus flex spending nazis do? Or are HSA's different/better in that regard?
I was close to getting the DPMP but went with an HSA. What I *think* the out of pocket maximum would be is one thing, but you hear horror stories about out of network Tylenols and people get billion dollar bills when they thought they were in network, etc. For the HSA's we have, max out of pocket is the absolute max no matter what, in or out of network, right?
I was close to getting the DPMP but went with an HSA. What I *think* the out of pocket maximum would be is one thing, but you hear horror stories about out of network Tylenols and people get billion dollar bills when they thought they were in network, etc. For the HSA's we have, max out of pocket is the absolute max no matter what, in or out of network, right?
Anyone have thoughts on MetLife Comprehensive dental vs. DPMP dental? No existing problems, just looking for two cleanings per year per person.
(Using TriCare for medical)
(Using TriCare for medical)
Interesting. I'm researching the different healthcare options. Seems the majority on here use DPMP but looking at the active Delta pilot group its overwhelmingly HSA/HRA
Thread
Thread Starter
Forum
Replies
Last Post