Voski

What do current health insurance plans at SkyWest look like for families? Monthly coverage costs, deductibles, etc. My wife and I have one infant and are looking to add another 1-2 kids to the mix over the next few years.

xNavyTR

From their benefits package document:


SkyWest Benefits Overview
Health Insurance & Benefits*

SkyWest offers full-time employees a variety of health insurance coverage.

Medical:
SkyWest employees can choose from three different medical insurance plans, including two consumer-driven health plans (CDHPs) and a traditional PPO plan.

Employees who enroll in a CDHP are also eligible to contribute to a Health Savings Account (HSA) that can be used for health care costs. SkyWest will contribute up to $600for employee-only plans and $1,200for those on a family plan in 2018.

Eligible employees may also enroll in a Flexible Savings Account (FSA) for qualified expenses.
CDHP Basic
• Cost per semi-monthly paycheck:
Employee Only
Two-Party
Family
$63.48
$129.15
$154.96
• Deductible: $1,350 for employee & $2,700 family

CDHP Value
• Cost per semi-monthly paycheck:
Employee Only
Two-Party
Family
$39.02
$80.01
$99.41
• Deductible: $2,500 employee & $5,000 family

PPO Plan
• This plan is not HSA eligible.
• Cost per semi-monthly paycheck:

Employee Only
Two-Party
Family
$105.62
$216.15
$268.98
• Deductible: $500 employee & $1,000 family



Dental:
SkyWest employees may enroll in dental insurance provided through Delta Dental.
• Cost per semi-monthly paycheck:
Single Plan
Two-Party
Family
$5.31
$8.68
$12.97

Vision:
Employees may elect vision insurance, provided through EyeMed Vision. Coverage includes eye exams, eye glasses and frames, contacts and other optic needs.
• Cost per semi-monthly paycheck:
Single Plan
Two-Party
Family
$2.32
$4.45
$6.57


EAP:
All SkyWest employees may use the Employee Assistance Program (EAP). This service provides employees and their family members access to professional, confidential, short-term counseling so that they can have the help they need when facing personal challenges.


Disability & Life Insurance Benefits*

Eligible employees are automatically enrolled in the company paid long-term disability and basic life insurance coverage through The Hartford. Eligible employees may also elect short-term disability, supplemental life insurance, accidental death and dismemberment (AD&D), critical illness, and accident insurance.

gottaloveit

Hi there! What is the waiting period for new Skywest employees until they qualify for medical coverage? Also, does that waiting period/probationary period begin when you start training or after training is completed?

Hawker445

I believe it was 90 days after the DOH to sign up.

harad

60 days after DOH, with coverage beginning following month (eg if DOH is mid April, you could have coverage beginning Jul 1).



Go with the CDHP Basic, and any year you expect to have a kid, the hospital indemnity. Including the company HSA contributions and tax benefit of using pre-tax dollars for premiums, comes out to around $8k all-in for healthcare in a given year for a family. Have to hit over $20k in charges for out of pocket max to apply.