2019 medical benefits
12-11-2018, 03:18 PM
#1
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Thread Starter
Joined APC: May 2016
Posts: 100
2019 medical benefits
Hello,
Have you guys received your updated benefit options for 2019? Looking for "gold"/top end ppo coverage for self+family costs and the coverage info. 80/20split?, deductible, out of pocket maximums, Dr/urgent/ER co-pays, medicine tiers, etc.
Also helpful, which insurance company?
Thanks!
Have you guys received your updated benefit options for 2019? Looking for "gold"/top end ppo coverage for self+family costs and the coverage info. 80/20split?, deductible, out of pocket maximums, Dr/urgent/ER co-pays, medicine tiers, etc.
Also helpful, which insurance company?
Thanks!
Last edited by flyoutaz; 12-11-2018 at 03:20 PM. Reason: Forgot question
12-11-2018, 03:52 PM
#2
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Joined APC: Jul 2008
Posts: 4,203
Originally Posted by flyoutaz
Hello,
Have you guys received your updated benefit options for 2019? Looking for "gold"/top end ppo coverage for self+family costs and the coverage info. 80/20split?, deductible, out of pocket maximums, Dr/urgent/ER co-pays, medicine tiers, etc.
Also helpful, which insurance company?
Thanks!
Have you guys received your updated benefit options for 2019? Looking for "gold"/top end ppo coverage for self+family costs and the coverage info. 80/20split?, deductible, out of pocket maximums, Dr/urgent/ER co-pays, medicine tiers, etc.
Also helpful, which insurance company?
Thanks!
12-11-2018, 03:57 PM
#3
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Joined APC: May 2016
Posts: 100
Originally Posted by amcnd
Have no idea what your talking about. But UHC PPO plan is $290 a paycheck for a family.. thats the top of the line. Not a high deductible plan. A copay plan..
Yes a copay plan. Some companies label the tiers as gold/silver/bronze, so I was just trying to specify and get details on the best coverage plan.
And plans vary, a$250 deductible per person vs a $500 isn't a huge deal, but out of pocket maximums before 100% coverage starts can vary a lot. I've seen anywhere from 2500-7000 in top tier plans to just trying to figure out the details since we have a kiddo whose medical is complicated
12-11-2018, 04:10 PM
#4
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Joined APC: Jul 2008
Posts: 4,203
Thats the PPO. If you single or newly married and young go with a $50 HSA CDHP plan. They give you $1200 savings account. Every year. And still give you good coverage if needed..
Plan Details
PPO
HSA Contributions Not Eligible
Deductible Single: $500
Two-Party/Family: $1,000
Coinsurance 20% after deductible
Annual Out of Pocket Maximum* Single: $3,000
Two-Party/Family: $6,000
Office Visit $20 PCP / $30 SP copay
Preventive Care 100% Covered
Prescription
Tier 1
Greater of $10 or
10% up to $50 Maximum Tier 2
Greater of $25 or
20% up to $125 Maximum Tier 3
Greater of $50 or
50% up to $150 Maximum
Cost per Paycheck
Bi-Weekly:
Employee Only: $105.78
Two-Party: $216.48
Family: $269.39 Semi-Monthly:
Employee Only: $114.59
Two-Party: $234.52
Family: $291.84
Plan Details
PPO
HSA Contributions Not Eligible
Deductible Single: $500
Two-Party/Family: $1,000
Coinsurance 20% after deductible
Annual Out of Pocket Maximum* Single: $3,000
Two-Party/Family: $6,000
Office Visit $20 PCP / $30 SP copay
Preventive Care 100% Covered
Prescription
Tier 1
Greater of $10 or
10% up to $50 Maximum Tier 2
Greater of $25 or
20% up to $125 Maximum Tier 3
Greater of $50 or
50% up to $150 Maximum
Cost per Paycheck
Bi-Weekly:
Employee Only: $105.78
Two-Party: $216.48
Family: $269.39 Semi-Monthly:
Employee Only: $114.59
Two-Party: $234.52
Family: $291.84
12-12-2018, 06:45 AM
#7
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Thread Starter
Joined APC: May 2016
Posts: 100
Well when you max out every year it kinda works out differently unless the other plan has an out of pocket max under 10k(the ppo max+ premiums), doesn't have a max paid out limit for year/lifetime, still includes prescriptions and has the same network. Haven't seen one that has all that, but if the skywest one does I'd love those details too
12-12-2018, 07:35 AM
#10
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Joined APC: Aug 2007
Position: I pilot
Posts: 2,049
On the SAPA forum, a pilot, who formerly worked in health insurance, produces and publishes some graphs every year and the CDHP is ahead of the PPO in 9 out of 10 scenarios. If I recall correctly, the PPO is only advantageous for a single person with a lot of prescriptions or something like that.
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