Skywest
11-18-2014 | 08:38 AM
#7891
Prime Minister/Moderator
Joined: Jan 2006
Posts: 44,906
Likes: 692
From: Engines Turn or People Swim
What F/O could afford 6400.00 in Dec and 6400.00 in Jan? For a newhire F/O that's almost 1/2 of their yearly gross. And since the CDHP is ultimately funded by Skywest they will have a say in coverage......its not a diatribe, its reality.The CDHP is for healthy people, ask one of our Captains who was injured in a snowboarding accident what its like to be medicaled out for more than 6 months. Unfortunately you are healthy until you aren't.
Regional pilots using regional airline health coverage have no business participating in any activities which might lead to significant injury. The system does not have you covered, rather it's typically "feel good" medical coverage that allows the clueless to skate through life without any worries, ASSuming that the company has their back.
Harsh reality, but there it is.
11-18-2014 | 08:39 AM
#7892
Line Holder
Joined: Apr 2007
Posts: 57
Likes: 0
From: 88FO
Your premise that a huge medical issue will bankrupt a pilot using the CDHP, and wise CCB will end up paying the bill, is flawed.
The CDHP is intimidating because sometimes there are big bills to pay but with the money you save on premiums, 99% of the time it is better than the PPO.
11-18-2014 | 08:46 AM
#7893
Line Holder
Joined: Apr 2007
Posts: 57
Likes: 0
From: 88FO
If that same FO is under the PPO they still of the out-of-pocket max of $6000. How are they going to pay that in Dec and Jan? Same problem but actually a higher max (6400-1000 on CDHP).
11-18-2014 | 09:01 AM
#7894
MK Ultra Candidate
Joined: Feb 2013
Posts: 1,167
Likes: 0
From: Prime Leader of Boko Harumph
With the $1000 Skywest puts in your HSA, you are down to 5400 per year. That is 225 per paycheck, a big chunk yes (especially for newhires) but that will not bankrupt anyone. If the timing of the bills is as bad as you say, a payment plan can be worked out. On the basic CDHP plan you would hit your out-of-pocket maximum with $21,600 of total medical bills. Anything more than that is covered.
Your premise that a huge medical issue will bankrupt a pilot using the CDHP, and wise CCB will end up paying the bill, is flawed.
The CDHP is intimidating because sometimes there are big bills to pay but with the money you save on premiums, 99% of the time it is better than the PPO.
Your premise that a huge medical issue will bankrupt a pilot using the CDHP, and wise CCB will end up paying the bill, is flawed.
The CDHP is intimidating because sometimes there are big bills to pay but with the money you save on premiums, 99% of the time it is better than the PPO.
11-18-2014 | 09:06 AM
#7895
MK Ultra Candidate
Joined: Feb 2013
Posts: 1,167
Likes: 0
From: Prime Leader of Boko Harumph
Regional pilots using regional airline health coverage have no business participating in any activities which might lead to significant injury. The system does not have you covered, rather it's typically "feel good" medical coverage that allows the clueless to skate through life without any worries, ASSuming that the company has their back.
Harsh reality, but there it is.
Harsh reality, but there it is.
11-18-2014 | 09:14 AM
#7896
Gets Weekends Off
Joined: Mar 2011
Posts: 122
Likes: 0
Really? You'd be in same predicament after losing the PPO. Huge medical bills cause people to go bankrupt after they've lost their source of income and can't get any insurance period. CDHP doesn't force bankruptcy on anyone THAT'S A FACT, medical bills do. You want to stem the tide of medical bill bankruptcies, then you need to start talking about the single payer system.
11-18-2014 | 10:38 AM
#7897
Gets Weekends Off
Joined: Aug 2014
Posts: 613
Likes: 0
I remember when the vote was going on and people saying if they were offering the raise for the Bro, it was going away. Everyone wanted to talk about how it's demise had always been just around the corner. Hopefully we take some lessons learned for this round, but I am not holding my breath.
11-18-2014 | 12:36 PM
#7898
Line Holder
Joined: Apr 2007
Posts: 57
Likes: 0
From: 88FO
Glad your mom and dad are around to "back you up", so while you think that 10K isn't enough to BK someone, many would disagree, including those currently in BK. When a medical calamity occurs, many costs other than CDHP covered ones pile up, especially if your ability to work is reduced. I stand by my original belief that CDHP is great for healthy people and potentially not so great for sick/injured people. Back to basics, if the company is offering/pushing it, whats the shortcoming? Ie, pay raise for EMB120 F/Os......
As CRJCA said above, if you are on the PPO you are just as at-risk of bankruptcy as you are on the CDHP. When medical bills start to get into the tens of thousands the plans are exactly the same.
11-18-2014 | 03:56 PM
#7899
Gets Weekends Off
Joined: Feb 2011
Posts: 197
Likes: 0
You can do what the rest of us have. Negotiate better insurance coverage. Horizon for example, just for an individual, it is $6 a pay check with a yearly out of pocket of $300. Quit believing the bull **** from skywest. Your benefits suck, and they drag down the rest of us.
11-18-2014 | 04:09 PM
#7900
Gets Weekends Off
Joined: Apr 2014
Posts: 118
Likes: 0
From: rj left
You can do what the rest of us have. Negotiate better insurance coverage. Horizon for example, just for an individual, it is $6 a pay check with a yearly out of pocket of $300. Quit believing the bull **** from skywest. Your benefits suck, and they drag down the rest of us.
Thread
Thread Starter
Forum
Replies
Last Post
