Southwest Health Insurance
09-13-2015 | 10:02 AM
#11
Banned
Joined: May 2015
Posts: 201
Likes: 0
There is a time window after separation though to where you have to take the coverage which is 60 days from the event leading to your COBRA eligibility.
09-13-2015 | 10:11 AM
#12
Gets Weekends Off
Joined: Aug 2013
Posts: 239
Likes: 0
From: 737 FO
Most comprehensive coverage is around $325 a month for the family plan. There are 3 other options less expensive, including the Regular Plan which is $0 for family coverage.
09-13-2015 | 05:05 PM
#13
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Joined: Apr 2007
Posts: 502
Likes: 11
The Regular Plan cost is $0 for the entire family. The deductible is $300 for the entire family then the plan pays 80%, it pays 100% for generic drugs. Once you have spent $2500 the plan pays 100%. Routine physicals, mammograms, and newborn wellness checks aren't covered nor do they go towards the $2500 out of pocket.
09-13-2015 | 05:20 PM
#15
Thread Starter
Gets Weekends Off
Joined: Sep 2007
Posts: 755
Likes: 0
From: 737 right
The Regular Plan cost is $0 for the entire family. The deductible is $300 for the entire family then the plan pays 80%, it pays 100% for generic drugs. Once you have spent $2500 the plan pays 100%. Routine physicals, mammograms, and newborn wellness checks aren't covered nor do they go towards the $2500 out of pocket.
It's probably not a good plan for a family with plans to have a couple more kids on the way in the near future though. We probably should pay for the $325 plan until we're done having kids and they've all made it past their first couple years of appointments.
09-13-2015 | 06:03 PM
#16
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Joined: Oct 2011
Posts: 400
Likes: 4
Fly you might be surprised how affordable wellness visits and checkups are when you pay your Dr. in cash. Ask for the no insurance or walk up cash rate.
You should crunch some numbers depending on how many kids, and how many wellness visits you plan on having. But we have a couple kids and use the regular plan and I've been very happ with it.
You should crunch some numbers depending on how many kids, and how many wellness visits you plan on having. But we have a couple kids and use the regular plan and I've been very happ with it.
09-14-2015 | 06:24 AM
#17
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Joined: Aug 2013
Posts: 80
Likes: 0
From: B737 Right
Whatever you do---DO NOT allow your health insurance to lapse. Ever since Al Gore's HIPAA law, insurance companies gain quite a windfall from breaks in health insurance, especially on pre-existing conditions.
Your government helping you to help yourself......or something like that.
Your government helping you to help yourself......or something like that.
09-14-2015 | 06:36 AM
#18
On Reserve
Joined: Aug 2015
Posts: 21
Likes: 0
I don't work for SW....BUT just so you know, your current company's medical plan will remain in effect until the next month...so if you gave your 2 weeks notice on October 1st you're still covered under your current medical plan until October 31st.
This should give you plenty of time to enroll in a new plan and get coverage with no gaps.
This should give you plenty of time to enroll in a new plan and get coverage with no gaps.
09-26-2015 | 03:25 PM
#19
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Joined: Jul 2014
Posts: 58
Likes: 0
A few questions for everyone...... I start next month and I'm trying to get a bit of info.
My situation is I'm married with three kids. I'm leading towards the regular plan discussed previously. Is this plan a PPO or an indemnity plan?
I was also under the impression that with Obama care now all wellness checks must be covered at 100%. Is there some special circumstance that does not apply with this plan? I am also asuming no co pays for sick visits or ER visits would that be correct? Over all sounds like a good plan... Right now I'm on a 90/10 plan but paying 400$ a month. Thanks for the info...
My situation is I'm married with three kids. I'm leading towards the regular plan discussed previously. Is this plan a PPO or an indemnity plan?
I was also under the impression that with Obama care now all wellness checks must be covered at 100%. Is there some special circumstance that does not apply with this plan? I am also asuming no co pays for sick visits or ER visits would that be correct? Over all sounds like a good plan... Right now I'm on a 90/10 plan but paying 400$ a month. Thanks for the info...
09-26-2015 | 04:29 PM
#20
Line Holder
Joined: Oct 2011
Posts: 400
Likes: 4
Regardless of which plan you choose. The best advice I could give to new hires at swa re health plans is to call the swapa benefits chair(s), NOT the company benefits department with any and all questions. Both guys are very knowledgeable and helpful!
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