Any "Latest & Greatest" about Delta?
11-24-2014 | 09:00 AM
Gets Weekends Off
Joined: Jun 2009
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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.
11-24-2014 | 09:02 AM
Gets Weekends Off
Joined: Apr 2011
Posts: 5,816
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From: retired 767(dl)
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!!
11-24-2014 | 09:06 AM
Gets Weekends Off
Joined: Apr 2011
Posts: 5,816
Likes: 5
From: retired 767(dl)
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.
11-24-2014 | 09:24 AM
Gets Weekends Off
Joined: Jul 2010
Posts: 12,831
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From: window seat
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?
11-24-2014 | 10:08 AM
Gets Weekends Off
Joined: Dec 2009
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From: Stay THIRSTY, my friends!
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?
11-24-2014 | 10:19 AM
Gets Weekends Off
Joined: Jul 2009
Posts: 283
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From: #41
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)
11-24-2014 | 10:20 AM
Gets Weekends Off
Joined: Dec 2007
Posts: 6,193
Likes: 255
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
11-24-2014 | 10:31 AM
Line Holder
Joined: May 2008
Posts: 993
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From: VEOP Retired! 7ER A was last position
Cog,
My head exploded, we are still cleaning the walls. IMO, there a far smarter guys than me on this topic, but IMO again, if you are gonna have surgery, DPMP let's you choose the best doctor in the country to do it and covers it after the deductible. Higher premiums are a small price to pay for that...
My head exploded, we are still cleaning the walls. IMO, there a far smarter guys than me on this topic, but IMO again, if you are gonna have surgery, DPMP let's you choose the best doctor in the country to do it and covers it after the deductible. Higher premiums are a small price to pay for that...
11-24-2014 | 10:39 AM
Gets Weekends Off
Joined: Aug 2006
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From: A330 First Officer
Ok the AE is now closed. Any body want to bet how far the NYC 717 Captain goes this bid? Last bid came within 90 numbers of an 07 hire. Any bets how far into the 07 hires it goes this time? Lowest 07 hire number is 10066. I say it goes to 10200-10300 range.
11-24-2014 | 10:56 AM
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Joined: May 2008
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From: VEOP Retired! 7ER A was last position
M&H (or M& something) next to the Irish Bar just off Virginia AVE in ATL. I'm sure they'll ship. I just got a nice pair, dry clean only type, and they were around $60. Much better quality then MENS Wherehouse where I got my current ones and at a better price.
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