I am tricare as well and the internet research I did in indoc stated that tricare is not considered a high deductible program and therefore the IRS does not allow us to do an HSA. I originally wanted to use an HSA to pay my annual premium and potential copay.

There is a delta option for a tricare supplement but based on my situation it didn't make much financial sense for my family and current access to healthcare.

Same conclusions. However, you can use a FSA, similar to an HSA in that it is pre tax dollars. Which you can then use for just about ever medical expense (dental/med copays, glasses, scripts, etc). Based on your tax situation, can work out to about 30% savings on anything you pay.

Gotchas:

- This is my first year, I could be completely wrong

- Seems like a bit of a pain to use as you have to file a claim for each use (it's all online, but still)

- You can only put a certain amount in, $2500/yr I think

- It's a spend or lose kind of thing, while you can carry $500 forward to next year, anything else unspent is lost.

As far as tricare, I use standard for it's flexibility (family has been on standard for years). As long as I spend less than 1600ish a year on healthcare, it's cheaper than prime. Either way, the FSA will help lesson the blow.

Feel free to shoot holes in my theory.

11-25-2014 | 05:34 AM

#173062

Imapilot2

Gets Weekends Off

Joined: Jun 2007

Posts: 1,003

Likes: 0

From: Captain Jack

use the calculator. Takes one to two minutes to use your actual claims with the click of a button to see how each program would have ran the numbers. Side by side. You also can go in and edit the claims to run some scenarios. Takes all of 3 to 4 minutes total to add a couple of overnight stays at hospital or change claims to see how each one would pay it out. DPMP ...very expensive.

11-25-2014 | 05:56 AM

#173063

Erdude32

Gets Weekends Off

Joined: Nov 2011

Posts: 332

Likes: 0

From: One with wings

Quote:

Originally Posted by RockyBoy

I'm going to agree with you.

I'm going to guess 10300. January AE, with the NYC 330 seats on it and possibly SEA 73n will see NYC 88 & 717 go to 2008 hires. You heard it here first!

11-25-2014 | 06:31 AM

#173064

TheWagman

Gets Weekends Off

Joined: Jul 2006

Posts: 218

Likes: 0

From: Gear Monkey

Had the Gold HRA for a few years now, pretty good deal

11-25-2014 | 06:41 AM

#173065

flyallnite

Gets Weekends Off

Joined: Dec 2009

Posts: 1,898

Likes: 0

From: Stay THIRSTY, my friends!

RockyBoy, remember, as a pilot you're never 'unconscious', just resting!!!! Happy Thanksgiving...

11-25-2014 | 06:44 AM

#173066

FierceFerret

On Reserve

Joined: Nov 2014

Posts: 11

Likes: 0

I had a quick question for you guys. I was filling out an app for Delta and came to the addendum section, and was a little stumped on how to proceed on one section of it.
Have you ever been convicted of any felony, misdemeanor, infraction, offense of other violation on any law?
So my question is if I had a couple of tickets and I put those under my Driving record section, do you have to click yes here and then put your tickets again?
Thanks again in advance

11-25-2014 | 06:47 AM

#173067

NERD

Line Holder

Joined: Apr 2009

Posts: 1,688

Likes: 66

Spike their drinks with benedryl

Quote:

Originally Posted by DogWhisperer

Dear brothers and sisters of the clouds....if you're flying over I-20 between Texas and Georgia,today, look down and take pity on the Dog Whisperer...for I am setting forth with my clan in the covered wagon to my in-laws. 13 + hours of forced imprisonment for my three stir crazy mini dogs ought to be interesting...just wish I had a sterile light. If you see a small mushroom cloud somewhere around Monroe....know from which it came....Happy Thanksgiving fellow Delta Dudes and Dudettes!!!