At Delta they had a couple hundred line the street in Manhattan along the entrance to the building where the Corporate Annual Meeting was taking place last year. I'm pretty sure that optic got the most attention of the CEO.

 

If you are paying for anything other than the Diamond plan: you didn't do your homework and/or are bad at math.

My wife went to the doctor a lot this year, we (she) burned through the $2000 HRA in about 5 months, then through our flex spending acct of $1000 in a couple more months. But then our deductible of $3000 was met and co-insurance kicked in which covers 90% in-network. If anyone is steering away from the diamond plan because they are worried about what it will cover once the deductible is met: don't. We were actually surprised how good it was.

 

I signed up thinking the same thing: that there has to be a catch. After all we work at Spirit. But we couldn't find one. We are only ~$400 shy of meeting our max out of pocket for the year and have no issues with coverage so far. She has used both in-network and out-of-network doctors. You will be responsible for the difference of the $3000 HRA and your deductible of $4500 but the savings of the premiums for the diamond plan vs the A or B plan more than covers that $1500 difference. Plus you can roll that HRA money into following years if u don't use it.

 

If you don't mind me asking what was the total out of pocket, premiums not included, for you this year? Appreciate it


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Sounding like it does work as well as it looks on paper. I am not sure what the advantages of the more expensive plans are.


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Slightly lower deductible and a possible lower co insurance portion.

I also think there are people who just assume, incorrectly, that the most expensive is the best insurance.

But im with everyone else with the HRA, its great.

 

That's easy to answer, prescription drugs.

Count yourselves lucky you don't have a need for expensive drugs, or ongoing costs for a chronic disease. Rerun your math accounting for prescriptions totalling $4000-$10000 per month, and I'd bet you'd come to different conclusions than assuming anyone paying for the A or B plan is doing so foolishly.

Even in the high deductible plan, 50% copay capped at $300 per drug can mean $1500 or more per month out of pocket when you get 5 or 6 scripts per month. I pay $10 each on the B plan.

Those plans aren't for everyone, and they shouldn't be, but comments implying they don't have a time and place clearly shows your narrow minded view of what other people are dealing with in their lives.

I'd love to not have to pay for the B plan, but at the same time, there is comfort in knowing my daughter's care will NEVER be decided by the cost of that care.

 

I've looked at both and will again. Unfortunately, I have a chronic illness that has put me in the hospital for weeks at a time and I have very expensive meds. One of my infusions costs $20k and I go every two months. I'm probably an exception but I still think it's better for me to have the expensive coverage.

Make sure you get what will protect you and your family. Not specifically talking to you juice, just in general. I also emailed the union asking if they will do another breakdown for us.

 

If I may, call UHC. They are very easy to talk to and will answer all the questions you have. Don't leave your health insurance to an anonymous web-board just because we all like it.

The only caveat I know of is if you're planning some sort of expensive medical procedure/a chronic illness and/or going to have a little 'gonyon' then the B plan might be for you. Again speak with customer service.

The only thing I wouldn't do is send an email asking questions to that blackhole commonly referred to as "Miramar". Nothing sent there ever seems to return.

Of course you could always try "Johnno"....

 

Man, rough!!! So sorry to hear when children/loved ones are sick, but happy insurance is taking care of her.

Keeping you guys in prayer!