Notices

SWA Pilots healthcare

Old 08-12-2018, 12:11 PM
  #1  
On Reserve
Thread Starter
 
Joined APC: May 2017
Posts: 10
Default SWA Pilots healthcare

I’m going to be starting next month and I just want to get ahead on health insurance info.

If someone can provide me the healthcare insurance provider and what the premium and basic monthly costs and deductibles such as for meds, doctor visits, treatment, etc. It will be two adults on the plan. If this is sensitive info, can you private message me.

Thank you.
Cldsfr79 is offline  
Old 08-12-2018, 12:36 PM
  #2  
Gets Weekends Off
 
Joined APC: Apr 2013
Posts: 3,374
Default SWA Pilots healthcare

This is a year old. Add about 10 percent to the costs. Open enrollment starts in November and the plans will probably go up again.
What this doesn’t discuss in detail is the $0 premium “Regular Plan”. It is a grandfathered plan so it doesn’t cover preventive, but unless you have 12 kids, your preventive costs will be way lower than the premiums. It covers 80/20 until you go $2500 out of pocket and then it covers everything 100 percent. Many pilots use the Regular Plan, me included. Dental, vision, and some life Is included.

https://s3-us-west-2.amazonaws.com/s...ime=1447098897
e6bpilot is offline  
Old 08-12-2018, 03:26 PM
  #3  
On Reserve
Thread Starter
 
Joined APC: May 2017
Posts: 10
Default

Originally Posted by e6bpilot View Post
This is a year old. Add about 10 percent to the costs. Open enrollment starts in November and the plans will probably go up again.
What this doesn’t discuss in detail is the $0 premium “Regular Plan”. It is a grandfathered plan so it doesn’t cover preventive, but unless you have 12 kids, your preventive costs will be way lower than the premiums. It covers 80/20 until you go $2500 out of pocket and then it covers everything 100 percent. Many pilots use the Regular Plan, me included. Dental, vision, and some life Is included.

https://s3-us-west-2.amazonaws.com/s...ime=1447098897
Awesome!thank you very much for the info!
Cldsfr79 is offline  
Old 08-12-2018, 07:59 PM
  #4  
On Reserve
 
Joined APC: Feb 2008
Posts: 16
Default

X10 on the regular plan. Best deal going.
swaforme is offline  
Old 08-12-2018, 08:06 PM
  #5  
Gets Weekends Off
 
Joined APC: Mar 2017
Posts: 588
Default

Yep, the Regular Plan is awesome. I was skeptical at first because my wife has a lot of medical issues. I researched it a lot and decided to go with it, and it still seems too good to be true. It’s United Healthcare and covers everything we’ve needed with $0 premium.
Skyward is offline  
Old 08-12-2018, 09:15 PM
  #6  
Strike averted!
 
at6d's Avatar
 
Joined APC: Mar 2015
Position: B737
Posts: 3,589
Default

Another regular plan supporter here.
at6d is offline  
Old 08-12-2018, 11:57 PM
  #7  
Furloughed Again?!
 
ZapBrannigan's Avatar
 
Joined APC: Aug 2007
Position: Boeing 737
Posts: 4,781
Default

Regular plan here too. Although I’m considering the HSA this year if proceeds can be put towards long term care in the future. Might as well start saving for Del Boca Vista.


Sent from my iPhone using Tapatalk
ZapBrannigan is offline  
Old 08-13-2018, 06:00 AM
  #8  
Gets Weekends Off
 
Joined APC: Aug 2015
Posts: 802
Default

HSA can make sense if those on the plan have the need for preventative care but are otherwise healthy. Southwest gives you $750 towards the HSA and you can earn another $250 for you and your spouse pretty easily (couple mouse clicks every week and a 15 minute screening). HSA funds go in pre tax and aren't taxed on the way out, plus grow tax free. That's better then any other retirement going, so I pay any medical expense using after tax dollars, never touching my HSA money.

However, if we ever start needing lots of medical care, I'm enrolling in the RP.
Proximity is offline  
Old 08-13-2018, 06:14 AM
  #9  
weekends off? Nope...
 
Joined APC: Apr 2014
Posts: 1,917
Default

RP here too, and we're pregnant with our first. don't let all the "does not cover..." literature the company puts on on the RP fool you. There's a reason they don't pump this plan up. The only reason we would consider changing plans is if our child is on the autism spectrum, which is not covered by the plan.
Smooth at FL450 is offline  
Old 08-16-2018, 01:22 AM
  #10  
Gets Weekends Off
 
saab2000's Avatar
 
Joined APC: Sep 2006
Posts: 1,750
Default

I use the HSA. Premiums are just $13/month for me as a single guy. I got a thorough physical and some age-appropriate testing done (I'm 51) and paid nearly nothing.

The money I save into the plan is my money to be used for qualified expenses, of which I have had none yet. It is tax-advantaged savings and capped at $3400 for me annually plus the company's contribution. It is obviously higher for a couple.

This is not the same as the Flexible Spending Account or whatever it is called, where the money must be used or it is lost. The HSA money is yours and can be invested or kept in the account.

I'm saving it for medical expenses in retirement.

I'm not dissing the Regular Plan but at least research HSA plans to be educated on their benefits and negatives, which I think are very few.
saab2000 is offline  
Related Topics
Thread
Thread Starter
Forum
Replies
Last Post
Crawl
CommutAir
5406
03-21-2020 06:45 AM
Route66
American
6
04-08-2015 06:38 AM
ERJ135
American
26
02-26-2013 05:54 PM
RiddleEagle18
Southwest
302
08-12-2011 07:12 AM

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


Thread Tools
Search this Thread
Your Privacy Choices