NWA insurance premiums?

[regionalcap]

What do you NWA guys currently pay in insurance premiums for a family plus dental?

 

[Klamath]

Married, 2 kids,

$299 medical
$19 dental

Might not be to the dollar, but it's close. Decent insurance through Blue Cross but my lobotomy wasn't covered.

 

[regionalcap]

Thanks for the info. I have heard some NWA guys saying that Delta had higher premiums. For the record, at Delta I am paying $222 a month for a family of four including dental.

 

[RP170]

Wow, that's pricey at both places. I thought the majors had better benefits than that? I guess nothing should be surprising though in today's Part 121 world.

 

[Airbus_Driver]

Delta DOES have higher premiums. For myself and spouse, at NWA I pay $180 a month and have to cover 25% of the premium. The same plan at Delta is $400 a month and I would have to cover 40% of the bill. The dental at Delta is also double what I pay at NWA.

Although the pay rates appear higher at Delta, looking at the math closely, its clearly not as lucrative as many are suggesting. I would argue if you have a large amount of medical bills in your family, it will be a net loss with this merger as far as your straight earnings are concerned.

 

[clippyrip]

Thanks for the info. I have heard some NWA guys saying that Delta had higher premiums. For the record, at Delta I am paying $222 a month for a family of four including dental.

I think the major difference is deductibles. In some instances NWA pilots can reduce their premium on the Delta plan but the deductibles go up.

 

[p3flteng]

Does Delta offer a buy out if you opt not to take the insurance, IE elect to have insurance thru your spouses plan?

NWA does not.

 

[regionalcap]

Delta DOES have higher premiums. For myself and spouse, at NWA I pay $180 a month and have to cover 25% of the premium. The same plan at Delta is $400 a month and I would have to cover 40% of the bill. The dental at Delta is also double what I pay at NWA.

Although the pay rates appear higher at Delta, looking at the math closely, its clearly not as lucrative as many are suggesting. I would argue if you have a large amount of medical bills in your family, it will be a net loss with this merger as far as your straight earnings are concerned.

I'm not sure where you are getting your figure of $400 a month. I'm telling you that I pay half that for full family coverage. You don't have to cover 40% of the bill either. I'm on the gold plan. It pays 100% of the bill through the first $1500. If you don't use $1500 then you can rollover to the next year. You might be referring to the pilot insurance in the contract. It is an expensive plan that most pilots do not use here. We have more options that are cheaper.

 

[tblosser]

Delta DOES have higher premiums. For myself and spouse, at NWA I pay $180 a month and have to cover 25% of the premium. The same plan at Delta is $400 a month and I would have to cover 40% of the bill. The dental at Delta is also double what I pay at NWA.

Although the pay rates appear higher at Delta, looking at the math closely, its clearly not as lucrative as many are suggesting. I would argue if you have a large amount of medical bills in your family, it will be a net loss with this merger as far as your straight earnings are concerned.

I pay 222 per month for Medical and Dental for a family of 4. That is the HRA Choice Plus which is one of 4 plans offered by Delta this year. There is also a plan that is provided in the Contract. I am not sure which plan your numbers are based. Under the plan I choose Delta pays the first 1500 dollars of your health costs leaving me responsible for 1500 until the deductible is met for the year for the family. After that I pay 20 percent of the discounted rate in network until I hit the out of pocket maximum for the year. Which is 2500 per individual or 5000 per family in network The Company also offers a flexible spending account to allow you to use pre tax money pay for the costs. Overall it is not a bad plan.

 

[Muskycat]

I pay 222 per month for Medical and Dental for a family of 4. That is the HRA Choice Plus which is one of 4 plans offered by Delta this year. There is also a plan that is provided in the Contract. I am not sure which plan your numbers are based. Under the plan I choose Delta pays the first 1500 dollars of your health costs leaving me responsible for 1500 until the deductible is met for the year for the family. After that I pay 20 percent of the discounted rate in network until I hit the out of pocket maximum for the year. Which is 2500 per individual or 5000 per family in network The Company also offers a flexible spending account to allow you to use pre tax money pay for the costs. Overall it is not a bad plan.

Thinking that guy is looking at the old DPMP or whatever plan it is/was. It's being phased out and if you want it, it's really expensive. There is no cost advantage of going with the old plan and the coverage is less.