FLY6584

^^^Everything he said, but let me elaborate more on the preventative care. I am married with a 3 year old child so I was worried about the well baby/child visits. I called and spoke to my sons Pediatricians office and they explained to me that a normal flat rate out of pocket well visit is $110, but that doesn't include shots. So then I asked how much does his 4 year visit cost which has a considerable amounts of shots and she said about $850, however, she explained to me that because we have health insurance that does not cover preventative care we were eligible to take our son to the health department for all of his shots free of charge. So my next question was does your income affect eligibility and then she explained to me that in Florida it is not income based and you are eligible if your insurance plan does not cover preventative care.

My recommendation is do the research and talk to your docs. It was a no brainier for us and we went with the Regular Plan which will save us a ton. Just keep in mind the HR folks will push the other plans and won't tell you anything about the Regular Plan. They didn't necessarily bad mouth the Regular Plan, but they didn't have anything good to say about it. Apparently the Regular Plan is a pre Obama care plan that the company wants to get rid of because it costs them a lot, but the Union fights to keep it for us so do your research and use it folks! I don't want to see the Regular Plan go away! It really is a superior plan MOST of the time.

hercsrule

How about COTM club holders? Any recommendations on the health insurance, dental, and vision options since we have Tricare.

Spookywatcher

Ok I think I've got it. Example?

My son gets sick and I want to take him to his Primary Care Phys.
For the sake of example:

Doctor visit is $500.
I'd have to pay $200 (deductible) + 20% of $500 ($100) = $300 for his doctor visit.

Same for second Doctor visit we'd pay $300 if Doctor bill was $500?

Then if he has 10 of these visits in a year after $2500 we would not have to pay anything more. And if I have to go to Doctor I wouldn't have to pay anything?

Do I have that right? Very sorry...these terms and nuances are just not something I understand.

Spooky

flyguy81

This is probably why they told us our spouses are welcome to attend the first couple days when benefits is covered. I'm just gonna bring the wife and she can figure it out. I'll just sign the paper and drink some beer.

OB Pilot

Close but not quite correct. In your above example your first appointment would cost you $200 to satisfy your son's individual deductible then 20% co-insurance on the remaining balance so an additional $60. The second appointment would be $100 total, or 20% of the balance. Any combination of payments totaling $2500 for all your covered family members would leave any covered procedures at $0 for the rest of the calendar year for all of you. Prescription drug charges are also included in your deductibles and out of pocket maximums, there is not a separate pot of money for them.

Spookywatcher

Hehe...This^^^^

Spookywatcher

Perfect! Thanks so much! This is a huge help. Regular plan looks very good and glad to have it as an option which we'll take!

Spooky

e6bpilot

Just be careful with that. The company benefits folks talk up the Choice Plus plans but don't really have any info on the regular plan. You really need to talk to swapa benefits to see how it works with your particular situation.
I don't get my insurance through SWA, but those who do really like the regular plan considering the cost when compared to the Choice plus plans which just announced another rate hike.

flyguy81

When's the union drop by for the Q&A during the course of training?

e6bpilot

Day two I think is when swapa comes and talks, but to get the best benefits info, email or call the benefits committee chair. His number and email are on the swapa website that will be available to you the first day of class, or should be. They will give you the straight gouge on what you are getting for your money and what may be best for your situation.