Benefits?
 

Anybody have a general idea of cost for family health insurance? Deductible and vision?

thank you

Depends on which plan you elect to go with. I am on the HDHP for a family with the HSA option (company gives you 2K a year towards the the HSA) and I pay 214 a paycheck.


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HRA (Health Reimbursement Account) plan - considered by most to be our best plan and usually results in the lowest out of pocket costs per year. The numbers below are for a family (employee+partner+unlimited kids)

Company contributes $3000/year to your HRA. Unused funds roll over year to year with no cap. $4500 deductible but really it’s only $1500 (unless you have rollover funds then it’s even less) considering the first $3000 is paid out by the HRA. 10% co-insurance after that up to your $6800/$7500 (individual/family) out of pocket max for the year. All preventative care is covered at 100% and not subject to the deductible. Premiums for a family for this plan are $176 per pay check ($352/month).

Vision is through VSP and is $8/check for employee+spouse (I think it’s ~$16/check for the whole fam). Includes yearly exam, lenses, frames and contacts with reasonable allowances and copays.

Dental is included with any of our health plans. Can’t remember the details off hand but it’s pretty standard as far as I can tell (free cleanings twice yearly and good discounts/allowances on dental work).

I have put the HRA plan to the test over the years (surgeries, pregnancies, etc) and it’s great.

What he said. After the kids were born we’ve had some healthy years in a row. Rollover funds in HRA and I won’t be paying out of pocket for anything for a while except premiums. It was sad however that it was our own spirit Alpa audit that exposed the company raising our premiums several years in a row when the plan cost had not increased proportionally

Correct me if I am wrong. The HRA you loose when you either retire Or leave spirit. That was my understanding. The HSA stays with you forever and can be given to a beneficiary as well.


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I believe that’s true yes. Not sure if that’s the company contribution though. I think it’s only contributions you make to the HSA. This is not in the contract so I would refer you to the R and I committee and ask them.

Will do thank you! I will report the outcome to y’all!


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The HSA only recently became a desirable option imho. Before, the premiums were a lot more than the HRA and it made no financial sense to have a higher deductible plan, with a higher premium, and you have to set aside your own money. Now, the premiums are practically the same and the HSA is a viable option. For the record, if you have an HRA, and thousands in that account, you CANNOT transfer that to a HSA. Please correct me if I’m wrong because I’d love another tax-deferred retirement vehicle.

What is your out of pocket max for that plan? We are on the pos b and I refuse to give it up.


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what are you holding on to? Our insurance guys put out very comprehensive information every year making a case against it for “most” people without actually telling people what they should choose.

I’ll have to check but I believe 7500 after 5000 I pay 20%



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If you are one who has routine appointments and prescriptions this is not the plane for you. However we are not so with the company contribution and my pre tax contribution it’s a no brainer.


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Unless you/or family needs regular expensive RX meds. Plan B is a deal for our family.

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that’s what he said. Lol I had to.

Just found out that LTD we can get from ALPA at my current company only pays out for 48 months.

Does the LTD at Spirit have a specific duration, good until 65, or something else?

Edit: Is Spirit good about finding temporary jobs for their medically grounded pilots (instructing, etc)?

65

Spirit the company couldn’t care less about finding a pilot a job when medically grounded. Any job income would be offset against your LTD payment, so nobody would want that job anyways. (QOTSA will be on in a minute to complain how we need non offsetting LTD with retirement contributions, and 4 and 5 Diamond hotel properties)

Is the LTD at Spirit good until 65? Doesn’t look like that question got answered and I’m curious as well.

Yes till 65 own occupation if you can't get your medical back you don't have to become a Walmart greeter. If you medical out at 64 and can't get your medical back it goes for another 2 years I believe. up too 5000 company payed a month before taxes you can buy up to 15000 the buy up 10000 is tax free since you already payed taxes on that. But you have to make around 300.000 on your last w2 to get the full 15K.
I believe this true someone else may know more.

60% of your last year W2 300,000 x 60% = 180,000 divided by 12 = 15,000 of with 5,000 being taxed.

Also if you go out on STD and then LTD you lose pass benefits but most importantly you lose the company direct contributions.
Hopefully we can get this changed in the next contract since at most other airlines they don't lose these benefits, on STD and LTD.

slight clarification . The $5000 company benefit is based upon your monthly guarantee of 72 hours . They will pay you 60% of your monthly guarantee up to $5000.

the employee buy up benefit is predicated in the previous years W2 earnings. You receive 60% of that monthly number up to $15,000 max .

I emailed HR 2 years ago with this exact question. I saved the email response explaining it this way.

what does this cost? buying extra beyond the company's $5K

varies on the buy up amount and changes year over year as premiums increase. Believe right now it’s around $45 check if you qualify for the max buy up

next to nothing.

last year it was $45 a check if you qualified for max buy up. Every year it’s adjusted based on new premium rates and your last W2. You only pay for what you can qualify for.

point to remember is you should sign up for max buy up when you get hired eventhough you won’t qualify for it. Your premium will be one cent I think but it’s important to sign up as a new hire because you can do it without an evidence of insurability or a physical. If you wait you’ll need to do it and they’ll find every reason to deny you.

you’re medical is so fragile. This is the most valuable insurance you can buy. Get it!

THIS^^^^ +1000
Once upon a time I had a similar policy - but it was an order of magnitude more expensive. I wish I hadn't dropped it.
I will mos def sign up for the max!

Thanks for the info, now I just need to get the call. Application says under review, so hopefully that means I at least passed the Gallup!

Mine said under review for nine months before I got the interview.

ouch but I guess that is not as bad as waiting years for a Legacy call!

absolutely. Got the email for a phone interview out of the blue in January never made it to a MTC though I did try in December.