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-   -   JB health insurance? (https://www.airlinepilotforums.com/jetblue/100868-jb-health-insurance.html)

Bozo the pilot 03-30-2017 06:04 PM


Originally Posted by benzoate (Post 2333112)
It's has not.

I wouldnt expect much in the way of improvements, just increased pay rates to mitigate our major medical plan. Hope Im wrong
Thoughts P2Ps?

BlueJetDork 03-30-2017 06:27 PM


Originally Posted by Bozo the pilot (Post 2333121)
I wouldnt expect much in the way of improvements, just increased pay rates to mitigate our major medical plan. Hope Im wrong
Thoughts P2Ps?

I would expect improvement to health care.

Our health care structure is not in line with the norms of a market rate contract and I expect a HSA and a low deductible PPO plan.

benzoate 03-31-2017 02:52 AM


Originally Posted by BlueJetDork (Post 2333142)
I would expect improvement to health care.

Our health care structure is not in line with the norms of a market rate contract and I expect a HSA and a low deductible PPO plan.


That is absolutely true. A comparison between major carriers and regional carriers puts Jetblue employees almost at the bottom. Aside from achieving greater more affordable care the hope is also to lock in rates preventing jetblue from gouging its employees year over year. I do believe the airline is having a hard time separating the pilots as, you know, we're all equal.

rvr1800 03-31-2017 04:40 AM


Originally Posted by Bozo the pilot (Post 2333121)
I wouldnt expect much in the way of improvements, just increased pay rates to mitigate our major medical plan. Hope Im wrong
Thoughts P2Ps?

They are negotiating for better healthcare. They have provided the company a pathway on healthcare. Those negotiations are ongoing.

Bozo the pilot 03-31-2017 06:06 AM


Originally Posted by rvr1800 (Post 2333295)
They are negotiating for better healthcare. They have provided the company a pathway on healthcare. Those negotiations are ongoing.

Thanks rvr. It'll be a relief for many of us.

WhiskeyDelta 03-31-2017 06:40 AM


Originally Posted by BlueJetDork (Post 2333142)
I would expect improvement to health care.



Our health care structure is not in line with the norms of a market rate contract and I expect a HSA and a low deductible PPO plan.



Just adding this so it's clear. HSA plans are mandated to have a minimum $1300 deductible for an individual and $2600 for a family. So in order to have access to a HSA, you can't have low deductibles. This is the way it is under Obamacare. Hopefully any changes in the works by Congress improves this.


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BlueJetDork 03-31-2017 06:50 AM


Originally Posted by WhiskeyDelta (Post 2333383)
... So in order to have access to a HSA, you can't have low deductibles...

They are different plans. Looks at Alaska for instance, they have

1. An ACP (account based plans) and
2. A contractual LDPPO plan.

Same with DALPA and others.

Jetblue only offers two ACPs

1. Green (HRA)
2. Blue (HSA)

IMO to be inline with the market place for pilots Jetblue should offer a additional plan (plus a completely different risk and cost structure): a LDPPO Plan. We asked before and was told to pound sand and now we are hopefully negotiating for one and a HMO.

And to be clear Obamacare has zero to do with the mandated limits of ACPs. ACP's were in place way before the ACA.

WhiskeyDelta 03-31-2017 06:53 AM


Originally Posted by BlueJetDork (Post 2333388)
And to be clear Obamacare has zero to do with the mandated limits of ACPs. ACP's were in place way before the ACA.


Some ACPs were available prior to Obamacare, Flex Spending Accounts being one of them. HSAs as we know them today are only accessible with HSA plans meeting the minimum deductibles I posted above. That came into place with Obamacare. So, yes, we have it to thank.



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BlueJetDork 03-31-2017 07:08 AM


Originally Posted by WhiskeyDelta (Post 2333390)
Some ACPs were available prior to Obamacare, Flex Spending Accounts being one of them. HSAs as we know them today are only accessible with HSA plans meeting the minimum deductibles I posted above. That came into place with Obamacare. So, yes, we have it to thank.



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HSA were part of the Medicare Presciption Drug Act. Think "W" not "O". HSAs which replaced MSAs had to be part of a HDMP since the beginning!

Chicken Taco 03-31-2017 07:09 AM


Originally Posted by WhiskeyDelta (Post 2333390)
Some ACPs were available prior to Obamacare, Flex Spending Accounts being one of them. HSAs as we know them today are only accessible with HSA plans meeting the minimum deductibles I posted above. That came into place with Obamacare. So, yes, we have it to thank.



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Specifically for an HSA, sure. However FSA's have been available for many years and can be used with a proper LDPPO or HMO insurance plan. The only significant difference is that the account must be spent annually so a bit more planning is required in terms of your contribution amounts..


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