Health Insurance
 

For you married folks with kids, how much per month is withheld for health insurance at your airline?

Are the deductibles/co-payments reasonable?

At Trans States it was outrageous. For a family plan it was somewhere between $700-$800 a month.. Didn’t matter if it was just you and the wife or you the wife and ten kids, same price.. I think it was reasonable if it was just you and no family but that’s not what I needed..

PNCL $145/mo family

1% or $30 for single.

LTD/STD/LIFE/VISION seperate. Life covered at $10K or 1yr guarantee wages at company cost, more coverage is seperate/extra.

This will be going up though in a new agreement.... Whenever or whichever agreement that is....

Buying insurance is cheaper
 

One thing that I have noticed is that often it is cheaper to buy private insurance then to join the company plan.

Skyhigh

At Lakes it's $152/mo for just myself. I think that includes dental as well. If I remember correctly, it was $118/mo at TSA and dental was another $16 or so.

FAIL........

Actually, there is no way that can be true.

That is a very, very good family rate. That's even better than some of the government agencies and school districts in my neck of the woods.

Since someone mentioned government employer insurance, my government job actually gave me 1400.00 in medical allowance. Anything that was not used was paid back to me. Once I flew for the regional with a turkey on the tail I paid(if I recall) about 150.00 a month. About on par with others have said at other regionals. I would think the company plan is always better than going it alone?

Colgan $153/month for myself

Highest tier Dental/Vision/Health. Life covered at company cost ... not quite sure what the pay is though

All salute the BS flag as I raise it for the above post.

Why would a policy be cheaper if you pay for it all rather than the company paying for a part?

Sounds like more airline bashing by the master.

Big Baller with the Big Baller insurance plan.

I pay $83 a month because I have the basic "oh man, my leg just fell off" insurance plan.

Someone mentioned earlier that the family plan for him and his wife would have been $800-$900 through the company. In this instance it may have been cheaper to find a private policy for the wife. This is also the case with my insurance. I only pay about $100 per month but if I want to add my spouse it will cost $800-$900 per month. I have found some private plans for her that are only $250-$350 per month.

cape air
 

harvard pilgram

around $600 month including dental. Yes thats just our portion.

It's probably one of the very few things that are good at PNCL

around $100 per month for the family full coverage BC&BS plan...

it seems we have discovered yet another reason not to work for regional pay and work rules...

Well
 

It seems to me that companies in general scam their employees into paying greater than retail for their health insurance. As a small business owner I have to provide my own health insurance. I pay about the same or less for good coverage for myself and family than I did as an employee.

I always thought that people who had employer sponsored insurance paid less but from my perspective it does not seem like that is the case. I mentioned it to a friend who works for the county. He currently pays around $850 a month out of his paycheck to cover his wife and two kids.

He went to a local insurance agent to get a quote and it was slightly less to buy the same coverage from the same insurance company as he is getting from his employer. All I am saying is that people blindly accept what they are offered at work as being a better deal when it possibly is not.

Skyhigh

When was this? I am not on a family plan but I could swear it it in the 350-400 range at TSA.

United Health Care (avoid if possible, expensive, doesn't cover as much)

$100 / month individual
$300 / month family

UHC has many plans and different coverage levels. At SWA, the primary insurance is UHC and I haven't had many problems with them at all. No worse than when I had been with BCBS in the past. SWA is self-insured however and UHC is the administrator. At SWA I pay around 65 or so a month for family coverage including dental and vision (top tier). It is definately not normal and I even met an insurance exec that said he never seen anything that low. I believe Delta, for comparision, is about 300/mo for a family so a larger airline does not mean cheaper rates.

Eh, I figured with my luck I would need the best plan. My already legally blind without my contacts so I need the VSP insurance (pretty good too) ... but I think I might lower my health care to the middle tier next time around, haha. What's your copay on the lowest tier?

Horizon- employee is covered at no cost to employee with medical/dental/vision (though not good vision coverage). Also have life insurance equal to 1 year pay at no cost.

About $300/month to cover my wife and son with medical/dental/vision.

One thing I have liked with Horizontal is that Alaska Air Group is self-insured. They pay Blue Cross to manage air group money for health costs. Kind of nice as since it isn't Blue Cross's money and they don't fight over coverage.

Are you for real? I contacted many insurance companies privately and got shafted by their high prices. Couldn't afford it. As for work insurance, we have a $25,000 annual cap and a $100,000 lifetime cap. We're having a baby and I'm sooooooo scared! I hope it doesn't go over $25,000.

This is not necessarily a "good" thing. Being self-insured works for large companies, until large claims hit. Cancer, premies (baby), and chronic illness can terrorize a company and expenses go through the roof. Co-pays, Rx costs, and premiums rise quickly once this happens.

The self-insured vs. plan debate is much like car insurance (I gave this analogy on the company board).
$150/mo for all required coverage and a low deductible (lets say $250)
$75/mo for all required coverage and a high deductible (lets say $1500)
-The $75 plan sounds great until the kids start driving and have numerous wrecks.

Cancer and premies (just a couple of each) can cost as much as the total healthcare budget for the rest of the "healthy" group. The airlines, as usual, try to win by betting on uncalculateable risk.

May not ultimately be the best for the company and in the long run that is important. In the short term selfish view though it has made it easier for me to not squabble with insurance over coverage.

$34 every 2 weeks. It is actually good insurance. Have had everything covered by just paying copay. Even found a loophole....If you ever need an MRI it is covered 100% as long as the MRI is done at the same facility as the covered doctor.

B00sted- You have the best Avatar ever.