flyoutaz

Thanks! Any chance you could adjust for these numbers? I've done base math and it looks like if maxing out at least 1 person out of pocket the ppo ends up better. But I could've done the comparison wrong

Looks like the EPO premimum is $513.14, and the 300 ppo is 489.39

Epo- maxes at 6800
Ppo maxes 6300

wmupilot85

Health Insurance Plan Comparison Calculator


Use this to compare all costs.

vdawson

I used the website wmupilot85 linked and the 2019 numbers. Same idea though. PPO is a total ripoff. Under no scenario are those plans better then the High Deductible. Your overall financial exposure actually has the potential to be the highest with the EPO, with the total of the annual premiums + out of pocket max coming in at almost $13,000 vs. $10,700 for the High Deductible and $12,172 for the 300 and $10,643 for the 1500. For most the High Deductible plans are better. Take the extra $400 per month you would have spent on premiums and have it put into a Health Savings Account, then just pay for your doctors visits, etc. out of that and it will almost always be better unless you have a kid or major surgery that particular year, and even then you will only be out a maximum of around $1500 more vs. the 0 deductible, at around the $25-30K mark, above which the gap shrinks again before again favoring the High Deductible at around the $40,000 mark.

flyoutaz

Appreciate the graphing. I tried the link but it wouldn't load on my phone.

Unfortunately we do qualify for the high expenses (generally over 100k a year) due to an epileptic child. However the rest of us are generally very little medical cost. So gets a bit tricky with 1 hitting out of pocket max but rest maybe hitting deductible. The graph helps. Low premiums does help since hospitals have kid programs for the higher amounts that premiums don't qualify but procedures.
Thanks!

vdawson

If your med bills are over $40K the best option is the Consumer Advantage. No question.

flyoutaz

Thanks again.

Haven't had the differing options before so out of pocket max per individual was always the ranking factor.

DME23

I have had the EPO plan for years. My wife has medical issues and reaches out of pocket maximum every year. So about half of the year her prescriptions are free.

flyoutaz

Just clarifying,

There's a 3 month wait for health benefits to kick in correct?

Thanks.

flyoutaz

Got a a yes to the wait.

Anyone know if the consumer advantage is an hmo or ppo?
Trying to verify Dr could coverage and they asked

sssergio

Can anyone share what is the average take-home paycheck I could expect to earn as a first year pilot? I know taxes and healthcare options vary from person to person, but I need to know if I could afford making a living as an XJet FO. Thanks