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Old 09-28-2016 | 09:12 PM
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Default 2017 Delta Insurance Plans - $$$$$

Some information has been revealed on DLNET about the 2017 health insurance plans.

Are you ready for it?

In an unprecedented move compared to other industry peers, Delta will be raising the max out of pocket by thousands of dollars in 2017.

The Gold HSA plan will go from $2,500/$5,000 max out of pocket to $3,800/$7,600 max out of pocket (deductible remains the same).

The Silver HSA plan will go from $2,500/$5,000 max out of pocket to $5,100/$12,800 (deductible remains the same).

Are you and your family ready to pay up to $7,800 more (not counting premium increases) in 2017?

Don't go blaming Obamacare, it has nothing to do with it. No other airline is making these drastic changes.

Source: DLNET
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Old 09-28-2016 | 09:22 PM
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HSA's generally have significantly reduced monthly premiums. When you factor the monthly savings with the max out-of-pocket, it's often a wash between the 2 plans. If you don't go to the doc much, HSA comes out well ahead. HSA cash in your account, once a certain amount is reached, can be invested if you so choose. What's the HSA premium vs. a standard plan?
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Old 09-28-2016 | 09:34 PM
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this is sad. My wife is a school teacher. She gets a family plan for $100 a month. $500 family deductible. Then covered at 80%. Individual $250 deductible then covered at 80%.
Is DALPA getting us better insurance plans with these great AIP's?
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Old 09-28-2016 | 10:17 PM
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Originally Posted by Bleeds On
HSA's generally have significantly reduced monthly premiums. When you factor the monthly savings with the max out-of-pocket, it's often a wash between the 2 plans. If you don't go to the doc much, HSA comes out well ahead. HSA cash in your account, once a certain amount is reached, can be invested if you so choose. What's the HSA premium vs. a standard plan?
If the premiums of the Silver & Gold were dirt cheap then your theory would make sense. The problem is that the Delta premiums are in most cases HIGHER than the premiums of the standard PPO options with $500 or lower deductibles offered at other airlines.

Last edited by DALFA; 09-28-2016 at 10:45 PM.
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Old 09-28-2016 | 10:28 PM
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Originally Posted by DALFA
Some information has been revealed on DLNET about the 2017 health insurance plans.

Are you ready for it?

In an unprecedented move compared to other industry peers, Delta will be raising the max out of pocket by thousands of dollars in 2017.

The Gold HSA plan will go from $2,500/$5,000 max out of pocket to $3,800/$7,600 max out of pocket (deductible remains the same).

The Silver HSA plan will go from $2,500/$5,000 max out of pocket to $5,100/$12,800 (deductible remains the same).

Are you and your family ready to pay up to $7,800 more (not counting premium increases) in 2017?

Don't go blaming Obamacare, it has nothing to do with it. No other airline is making these drastic changes.

Source: DLNET
You misread the numbers.

For 2016 the numbers are the same as what you stated.

The 2016 Gold HSA family plan is $3,800/$7,600 max out of pocket. $2,500/$5,000 max out of pocket is after deductibles or on top of the $1,300/$2,600 deductibles.

The 2016 Silver HSA family plan is $5,100/$12,800 max out of pocket. $2,500/$5,000 max out of pocket is after deductibles or on top of the $2,600/$7,800 deductibles.

You probably misread the 2016 plan comparison chart thinking the max out of pocket was inclusive of the deductible. It is actually on top of it. I can see how you could have made the mistake.
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Old 09-29-2016 | 05:42 AM
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I just tried finding the info on DLNET. Where was it posted? I know I saw it pop up yesterday but I can't seem to find it now.
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Old 09-29-2016 | 05:57 AM
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Originally Posted by DALFA
Some information has been revealed on DLNET about the 2017 health insurance plans.

Are you ready for it?

In an unprecedented move compared to other industry peers, Delta will be raising the max out of pocket by thousands of dollars in 2017.

The Gold HSA plan will go from $2,500/$5,000 max out of pocket to $3,800/$7,600 max out of pocket (deductible remains the same).

The Silver HSA plan will go from $2,500/$5,000 max out of pocket to $5,100/$12,800 (deductible remains the same).

Are you and your family ready to pay up to $7,800 more (not counting premium increases) in 2017?

Don't go blaming Obamacare, it has nothing to do with it. No other airline is making these drastic changes.

Source: DLNET
We still have the contractually required PPO option? I never bought into these HSA's in hr beginning, seemed like a scheme to me.
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Old 09-29-2016 | 05:59 AM
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Originally Posted by DALFA
Some information has been revealed on DLNET about the 2017 health insurance plans.

Are you ready for it?

In an unprecedented move compared to other industry peers, Delta will be raising the max out of pocket by thousands of dollars in 2017.

The Gold HSA plan will go from $2,500/$5,000 max out of pocket to $3,800/$7,600 max out of pocket (deductible remains the same).

The Silver HSA plan will go from $2,500/$5,000 max out of pocket to $5,100/$12,800 (deductible remains the same).

Are you and your family ready to pay up to $7,800 more (not counting premium increases) in 2017?

Don't go blaming Obamacare, it has nothing to do with it. No other airline is making these drastic changes.

Source: DLNET
Just add another 5-8% to your minimum gain in the PWA. It is becoming increasingly clear why DL always shows up to the table early to be followed by "we didn't think they'd do that."
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Old 09-29-2016 | 06:24 AM
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Originally Posted by 300SMK
Just add another 5-8% to your minimum gain in the PWA. It is becoming increasingly clear why DL always shows up to the table early to be followed by "we didn't think they'd do that."
His entire post was incorrect and there are no changes.
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Old 09-29-2016 | 12:10 PM
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Originally Posted by sailingfun
His entire post was incorrect and there are no changes.
There will be changes to the premiums. In 2016 in some cases they were double digit changes.

Just think, the year we came out of bankruptcy we had a PPO with a $500 deductible and a $67 monthly premium. Today it's $103 per month and a $1,300 deductible.
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