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Medical benefits at SWA?

Old 04-26-2007, 07:51 PM
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Default Medical benefits at SWA?

What are the med benefit choices and their cost for a married couple plus 1 child?
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Old 04-26-2007, 08:20 PM
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Cheap.......
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Old 04-26-2007, 09:37 PM
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Originally Posted by gfighter2b View Post
What are the med benefit choices and their cost for a married couple plus 1 child?
Company covers you for the first 30 days until you chose a plan.
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Old 04-27-2007, 05:57 AM
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What ins company do they use......United Health, Aetna....etc....
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Old 04-27-2007, 06:44 AM
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United Healthcare...I'm in the same boat you are. Married plus one child. I'm in the PPO flan. They cover 80 percent. I think its a $300 yearly deductible. Sometimes UHC is hard to deal with, but overall pretty good. When you get here, don't forget that you get $200.00 toward your FAA Flight Physicals, I was here for 3 years before someone told me, they hide it pretty well. Just fill out a claim form from the flight ops office, and they will reimburse you.
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Old 04-27-2007, 05:20 PM
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Thanks aot. So I understand that SWA uses United Health care for insurance. Just trying to see if I will be able to use the same doctors I do now. If its a PPO, is that a manage care or something else. Do you get a choice of different coverages. HMO verses a 80/20 split.....thanks.....
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Old 04-27-2007, 06:46 PM
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Originally Posted by gfighter2b View Post
Thanks aot. So I understand that SWA uses United Health care for insurance. Just trying to see if I will be able to use the same doctors I do now. If its a PPO, is that a manage care or something else. Do you get a choice of different coverages. HMO verses a 80/20 split.....thanks.....
If its an in network PPO Doc, its 80/20. Otherwise, any other doc including alternative docs is 75/25. Our dentist is out of network and we're on the PPO plan so we pay 25. I think the HMO pays 85. Good luck and Welcome to Southwest.
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Old 04-28-2007, 10:35 AM
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SWA self insures. They hire UHC to manage the paperwork, because in-network rates are much lower for many services. Every pilot and their family is covered under a basic 80/20 major medical plan from day one.

After the initial period, you can enroll in one of several choices. The basic plan includes dental and is free to employee and family and you can go to any doctor or facility. It's biggest drawback is a one million lifetime benefit.

We also have "benefits plus" which comes through UHC. They have a two million dollar lifetime benefit. You can choose between a PPO plan, an HMO plan, or a minimum benefit plan if you or spouse have other coverage that actually rebates money back to you.
The PPO is about $35.00 a month for a family and the HMO a little higher. With the HMO there is no deductible and a flat fee for every office visit, perscription, or hospital procedure. Here in Arizona UHC has a huge network both the HMO and the PPO have pretty much the same in network directory. In other areas they don't. Most people choose the plans based upon the directory where they live.
You can also opt for enhanced dental benefits and vision benefits. Enhanced dental is about $22.00 a month and vision is about $15.00 For a large family like mine, they are a good deal, but not so much for singles or couples.
We also have pretty decent disability coverage that is a combination of three different plans, one (loss of license) that is free from the company and two additional ones (LTD and PMA) that are available for additional premiums.

Last edited by Widow's Son; 04-28-2007 at 10:46 AM.
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Old 04-28-2007, 09:06 PM
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Thanks for an excellent explanation. Do you know if SWA has a pre existing clause. I guess it is for pre existing conditions. If so, how long is that period? Thanks for your time.....
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Old 04-29-2007, 10:04 AM
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I'd really like to find out about this as well. My daughter has a heart defect that may or may not require surgery in two or three years, but she's had it since birth. So this is a huge deal for me.
Thanks,
BS
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