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Old 08-12-2018, 01:11 PM   #1  
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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.
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Old 08-12-2018, 01:36 PM   #2  
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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
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Old 08-12-2018, 04:26 PM   #3  
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Quote:
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!
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Old 08-12-2018, 08:59 PM   #4  
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X10 on the regular plan. Best deal going.
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Old 08-12-2018, 09:06 PM   #5  
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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.
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Old 08-12-2018, 10:15 PM   #6  
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Another regular plan supporter here.
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Old 08-13-2018, 12:57 AM   #7  
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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.


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Old 08-13-2018, 07:00 AM   #8  
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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.
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Old 08-13-2018, 07:14 AM   #9  
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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.
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Old 08-16-2018, 02:22 AM   #10  
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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.
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