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Old 04-09-2017, 07:17 AM   #7671  
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Quote:
Originally Posted by Aero1900 View Post
Pretty standard stuff. An HSA is available. Insurance is thru United Healthcare. 3 types of plans, cheapo, traditional and not cheapo.

I cover a family of 4 on the traditional plan. I think I get about $250 taken out of each pay check.

$25 copay at Dr. $75 copay at urgent care and $100 copay at the ER
You forgot to include the $200/mo "working spouse surcharge" and the added $75/mo per child if you have more than two. I think those are the amounts anyway. I'd call our plans pretty standard stuff if we were working at a regional.
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Old 04-09-2017, 07:21 AM   #7672  
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Originally Posted by ReserveCA View Post
You have got to be joking.....compared to others our insurance not only SUCKS but is EXPENSIVE......
Another deal breaker (no vote) if it isn't fixed
It may be expensive, but the coverage is average. The United Healthcare traditional plan is pretty much the norm for coverage. I don't know what other airline's pay, so I can't comment on that. It would be nice information to have though

A quick internet search turned up this:

Average premiums and deductibles nationwide unsubsidized shoppers:

Premiums for individual coverage averaged $321 per month while premiums for family plans averaged $833 per month.
The average annual deductible for individual plans was $4,358 and the average deductible for family plans was $7,983.

That's a nationwide average. The same article said that a family of 4 averages $25,000 A year in costs
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Old 04-09-2017, 07:45 AM   #7673  
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Originally Posted by Aero1900 View Post
It may be expensive, but the coverage is average. The United Healthcare traditional plan is pretty much the norm for coverage. I don't know what other airline's pay, so I can't comment on that. It would be nice information to have though

A quick internet search turned up this:

Average premiums and deductibles nationwide unsubsidized shoppers:

Premiums for individual coverage averaged $321 per month while premiums for family plans averaged $833 per month.
The average annual deductible for individual plans was $4,358 and the average deductible for family plans was $7,983.

That's a nationwide average. The same article said that a family of 4 averages $25,000 A year in costs
What difference does it make what the average American pays? What matters is what the average A320 pilot pays. If you want a snapshot of what other airlines provide, take a look at the 2017 United MEC contract comparison circulating around the Spirit subforum recently.
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Old 04-09-2017, 07:55 AM   #7674  
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Wait: does this mean the lowest pay rates in the industry (by a mile) are actually even lower? ...Well at least we got that 16% retirement thingy going for us.
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Old 04-09-2017, 11:19 AM   #7675  
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Office visit copay is $45 not 25. For traditional plan. It's on your Ins card.
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Old 04-09-2017, 11:48 AM   #7676  
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Quote:
Originally Posted by FlipTheDolphin View Post
You forgot to include the $200/mo "working spouse surcharge" and the added $75/mo per child if you have more than two. I think those are the amounts anyway. I'd call our plans pretty standard stuff if we were working at a regional.
$75/mo per child if more than 1 child. Otherwise correct.
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Old 04-09-2017, 07:53 PM   #7677  
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Originally Posted by CantStayAway View Post
$75/mo per child if more than 1 child. Otherwise correct.
Somebody needs to break these Frontier Health Care questions out into another thread. Keep spinning these conversations into their own topics so Frontier can actually get their own sub-category. Its absurd it hasn't happened yet.
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Old 04-09-2017, 11:00 PM   #7678  
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Quote:
Originally Posted by Aero1900 View Post
It may be expensive, but the coverage is average. The United Healthcare traditional plan is pretty much the norm for coverage. I don't know what other airline's pay, so I can't comment on that. It would be nice information to have though

A quick internet search turned up this:

Average premiums and deductibles nationwide unsubsidized shoppers:

Premiums for individual coverage averaged $321 per month while premiums for family plans averaged $833 per month.
The average annual deductible for individual plans was $4,358 and the average deductible for family plans was $7,983.

That's a nationwide average. The same article said that a family of 4 averages $25,000 A year in costs
This is not for a company provided plan where the employer pay the majority of those premiums.
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Old 04-09-2017, 11:22 PM   #7679  
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The cheapest plan at spirit costs about $150/per check for a family with one child or 20 children. It has $4500 deductible but the company puts in $3000 into an HRA for use toward the deductible. It also rolls over to the next year if you don't use it all.

Example:
1/1/17 you have $4500 deductible and $3000 in HRA
It was a healthy year so 12/31/17 you have $3500 left before your deductible is met and $2000 left in your HRA.

1/1/18 your deductible is reset to $4500 and another $3000 is deposited by the company into your HRA which had $2000 left from 2017. You now have $5000 in your HRA. You essentially have a plan with no deductible.

After the deductible is met the plan pays 90% and you pay 10%. To pay that 10% you can also use the company HRA funds if you have some left.

All that HRA money also counts toward your max out of pocket for the year because the insurance company sees it as your money even though the company gave it to you. Max out of pocket for a year is about $7000 for a family. Ive had a baby and some ER visits with my older child on this plan and the most money I've paid out of pocket excluding my premiums was about $2k. That year is started at $4500 deductible and $3000 in my HRA so $1500 of my out of pocket was meeting the deductible. Last year was a good year and I didn't spend a dime out of pocket and rolled some HRA money over to this year and my deductible will be completely covered and then some. Have a couple good years in a row and it's possible to have a catastrophic accident and meet your max out of pocket without actually spending a dime.

There are some more traditional type plans with higher premiums but I really don't know why guys are on them after running the numbers. The $4500 deductible would be a deal breaker if it weren't for the company contributions to the HRA and ability to roll it over. My understanding is that only the pilots have this and the other employees need to pony up $4500 before the plan pays a dime.
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Old 04-10-2017, 02:31 AM   #7680  
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How frequently does Frontier hold classes, and how long does it take to get a class date from the job offer date?
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