Medical Plan ???'s
12-23-2017, 07:16 AM
#2
Gets Weekends Off
Joined APC: Jan 2006
Position: 737 FO
Posts: 101
Regular plan maybe? I’m new to it but there’s lots of pros and cons. No monthly premiums, $200/300 individual/family deductible, $2500 yearly out of pocket max but things like well checks and vaccines aren’t covered. Also no company contribution like the HSA plan but then again your OOPM there is about $12,000. Choice plus plan has the highest monthly premiums but you’ll pay copays for prescriptions and doctors visits right away without having to meet a deductible.
They’ll spend the first day of class going over all this stuff and you’ll see it again on FLY day. You have 30 days to pick a plan and in the meantime you’re covered under the HSA plan. Make sure you bring copies of any marriage certificates, your birth certificate if you want to add your parents to your flight benefits and kids birth certificates. I also had to provide a utility bill to prove me and the wife live together.
They’ll spend the first day of class going over all this stuff and you’ll see it again on FLY day. You have 30 days to pick a plan and in the meantime you’re covered under the HSA plan. Make sure you bring copies of any marriage certificates, your birth certificate if you want to add your parents to your flight benefits and kids birth certificates. I also had to provide a utility bill to prove me and the wife live together.
01-04-2018, 06:32 PM
#3
Gets Weekends Off
Thread Starter
Joined APC: Aug 2017
Posts: 533
Originally Posted by dash8driver
Regular plan maybe? I’m new to it but there’s lots of pros and cons. No monthly premiums, $200/300 individual/family deductible, $2500 yearly out of pocket max but things like well checks and vaccines aren’t covered. Also no company contribution like the HSA plan but then again your OOPM there is about $12,000. Choice plus plan has the highest monthly premiums but you’ll pay copays for prescriptions and doctors visits right away without having to meet a deductible.
They’ll spend the first day of class going over all this stuff and you’ll see it again on FLY day. You have 30 days to pick a plan and in the meantime you’re covered under the HSA plan. Make sure you bring copies of any marriage certificates, your birth certificate if you want to add your parents to your flight benefits and kids birth certificates. I also had to provide a utility bill to prove me and the wife live together.
They’ll spend the first day of class going over all this stuff and you’ll see it again on FLY day. You have 30 days to pick a plan and in the meantime you’re covered under the HSA plan. Make sure you bring copies of any marriage certificates, your birth certificate if you want to add your parents to your flight benefits and kids birth certificates. I also had to provide a utility bill to prove me and the wife live together.
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01-05-2018, 05:56 AM
#5
Gets Weekends Off
Joined APC: Apr 2013
Posts: 3,429
I just switched to regular plan (free) and have the retired military tricare as backup (free). If you don’t mind a little paperwork and being patient with doctors, it is one of the best deals going. Basically the regular plan pays for everything after deductibles are met and tricare picks up the rest right up to what they would have paid had they been the primary.
We are already halfway done with our deductibles for 2018 due to a few doctor visits and lo and behold one of my kids needs surgery in a few weeks.
After about another $150, we should be cost free for the rest of the year and with UHC and Tricare networks, we can see pretty much every doctor that takes insurance without getting stupid referrals or dealing with the military base. My only regret is that we didn’t do this sooner.
If you don’t have other insurance, you just have to be careful with preventive stuff. It can get expensive with kids and for screenings and stuff once you are older. There are ways to get things colored as “diagnostic” to help with that, though, and are mostly covered in the FB page that zap mentioned above.
With the 2500 max oop, you will come out way ahead of any other Southwest plan, even with kids and preventive stuff being involved. The other plans are not cheap.
We are already halfway done with our deductibles for 2018 due to a few doctor visits and lo and behold one of my kids needs surgery in a few weeks.
After about another $150, we should be cost free for the rest of the year and with UHC and Tricare networks, we can see pretty much every doctor that takes insurance without getting stupid referrals or dealing with the military base. My only regret is that we didn’t do this sooner.
If you don’t have other insurance, you just have to be careful with preventive stuff. It can get expensive with kids and for screenings and stuff once you are older. There are ways to get things colored as “diagnostic” to help with that, though, and are mostly covered in the FB page that zap mentioned above.
With the 2500 max oop, you will come out way ahead of any other Southwest plan, even with kids and preventive stuff being involved. The other plans are not cheap.
01-05-2018, 03:55 PM
#6
Line Holder
Joined APC: Jan 2008
Position: B737
Posts: 55
Regular plan
We (Wife & 3 kids Under 10) are on the regular plan with no other additional coverage and love it. We priced out all of our yearly check ups and it was easy to see the pros. Last year, 2017, including all sick visits, urgent cares, flu shots, “turn and coughs”, getting “snipped”, wife having thyroid issues we spent $2300. The monthly premiums on the best plan total $4400ish a year. Not to mention that plans max family out of pocket is somewhere north of 7K, maybe even 8ish, compared to the regular plan is $2500. The big thing is if you have any preventative care done make sure you tell them you want the cash out of pocket rate. Not the insured rate.
Also, most states offer heavily discounted shots if you are underinsured, i.e. regular plan, or no insurance. In Texas we pay $10 per visit/kid for unlimited shots. If you like the traditional copays, require A LOT of preventative care, plan on having kids (Labor and Delivery charges), and like ancillary things like Tel-A-Doc, choose a different plan.
Also, most states offer heavily discounted shots if you are underinsured, i.e. regular plan, or no insurance. In Texas we pay $10 per visit/kid for unlimited shots. If you like the traditional copays, require A LOT of preventative care, plan on having kids (Labor and Delivery charges), and like ancillary things like Tel-A-Doc, choose a different plan.
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