Dont come to Jetblue if you have a family

[$$$4nothin]

Blueside so are you saying i just made it up for no reason? The information came from the horses mouth all i did was passa long what i heard. What else do you want to defend? our healthcare? reduction in premium? refusal to address committee research? fsm 07 10?????

what else are we all wrong about?

Plus lets stick to the real issue healthcare? JB now has the worst in the airline industry.. with no tradional plan offerings..

Guys regardlss of anyones position here do your research ask questions and get facts..

The bottom line is that if you have a family and use the benefits they will cost you up to $20,000 per year and any pre existing carry in health issue resets each year.

Also deductible does not count towards max out of pocket.

I agree with you that the health care is shamful. Especially if you have a family. However, you talk about getting facts. Fact 1 is that $8800 is the max out of pocket per year so I am not sure how you come up with $20k. Even if you max out in Dec, then max out again in Jan that is only $17,600 for a 2 year period.

Fact 2 is that your deductible, $2600 for a family absolutely counts toward your max out of pocket.

Yes the new health care is horible if you have a family. However don't talk about facts and then state information that isn't true.

 

[Splert]

I agree with you that the health care is shamful. Especially if you have a family. However, you talk about getting facts. Fact 1 is that $8800 is the max out of pocket per year so I am not sure how you come up with $20k. Even if you max out in Dec, then max out again in Jan that is only $17,600 for a 2 year period.

Fact 2 is that your deductible, $2600 for a family absolutely counts toward your max out of pocket.

Yes the new health care is horible if you have a family. However don't talk about facts and then state information that isn't true.

Incoming ... You are confused.

Deductibles do not count toward the out of pocket limit (copayment maximum).

Only the former Plus Plan did that. CC1,2 and 3 did NOT and next years Green, Blue and Orange do NOT!

Green Plan deductibles are:

In network: $2600 for a family.
Out of network: Another $3,900

Co insurance Maximum (different than a out of pocket maximum)

In network: $6,000
Out of network: Another $9,000

Then add RX expenses which are "copayments" not "coinsurance" and do not count toward the coinsurance maximum but would under a out of pocket maximum.

www.lifeisbetterinblue.com is available to all www users.

Not sure why; but it is.

 

[Splert]

$20,000 is accurate when considering premium, in network deductible, co insurance maximum, co payment and then out of network deductible and co insurance maximum.

Then the deductibles (in and out of network) and co payments maximums (in and out of network) reset every year.

 

[johnsonrod]

Sounds terrible.

Unfortunately, looks like the industry in general will migrate toward increased insurance cost for employees - especially with Barry Obama winning a 2nd term. I have a buddy at Delta and he has great coverage for his family - let's see how long that lasts....

 

[Splert]

A long time since Obamacare has zero to do with these plans and very little to do with large group plans.

 

[clickclickboom]

Where do these apologists come from?

Splert you are correct $$$for nothin or whatever you are just so typical of what i see out there. You have " your reality " and then whenever anyone offers a different opinion the fangs come out even though you are actually incorrect.

I spent just over $13,0000 this year for the care of my family that includes the monthly premiunm. I have pre calculated for 2013 and I am loking at $19500 for the same level of care including the new premiums.

The issue is that nearly 90% of the $6500 increase will come out of my pocket FIRST not distributed evenly throughout the year. So i will see a nearly $2000 per month increase in my costs for the first three months in addition to the $200 per month increase in the monthly premiums.

Also there are many other unknown variables is that prescription you had last year going to be unapproved this year? mail order only? generic only?

One example Nasonex friend paid $47 for the product went to refill and the pharmacist had 2013 data in front of her and said " wow this is really going up next year for you" new price $137 even after she applied a coupon and discounts it was $107

Thats a 300% increase !!!!!!!!!!!

The healthy rewards that management brags about? You know join a gym we give you $50, run a marathon $200 etc that is paid out of the surplus in premiums they collect from the employees.

Right now as the fund stands based on 2012 payouts, 2013 allocations, expected healthy rewards payouts, and the federallly mandated law that requires return of surplus premium ( which is what healthy rewards actually is but is marketed to you the employee as a gift from the company ) JB will MAKE yes MAKE IN PROFIT $3,500,000 off the employee healthcare program.

Last year blue care three was $50 our green plan mirrors that but with poorer coverage and the premium is $300 thats a 600% increase essentially in premium not counting the unknown reductions in coverage.

Company claims that they offered plans based on what the employees wanted in surveys etc.. Problem is that in surveys employess stated that they wanted a high deductible catastrophic plan.

Ask any employee and not one would state that they want every traditional ppo plan axed in favor of a high cost high risk high deductible plan as the only option. yet that is EXACTLY what JB did. They dont offer traditional plans.

YET

They sent out their BS flyers expertly crafted by union busting firm MWW group who we pay millions to annually and it pointed out that our plans are not that bad and they are similar to southwest, delta, and usairways

BUT what they didnt say is that the PPO 90 plan at airways was only around $50 per month and actually went down in cost for 2013 or that the southwest low coverage plan that is similar to our plan only costs the SWA employee $11 a month with the rationale being that so much of the cost is passed along to the employee in this design plan that the only cost to the employee is an administrative fee. Why does blue charge us $300? Shouldnt we be less with a younger workforce?

Or the delta plan? yes its there they have it BUT they also have 5 or 6 OTHER plans available as well AT BLUE? ZERO other plans.

JB rationalization? Well walmart and other companies are doing it so we should to. The reality is that at walmart retarded double amputees get paid to hand out stickers. Can they fly your jet? Can you report frequent headaches and fly your jet? broken hand? minor concussion?

How about Cobra after 6 months and dumped after 18? Does southwest or delta bankrupt their injured employees after 6 moths?

Get the facts boys and girls.. Dont come to an airline for the shiny paint come to an airline because they have a plan that protects your family and furthers your career.

 

[NoPFactor]

Boys and Girls? What is this Romper Room? CCB is correct though, get the facts, just don't get em here at FI.

 

[Lake Alice]

The facts about the Jetblue insurance hurt all of us. For those who believe strictly what Jetblue tells them their reality is different.

As for johnsonds comment industry wide healthcare will change, however, it is very unlikely it will ever sink to the levels current jetblue pilots are feeling as CBA airlines tends to negotiate better rates and company matches.

 

[BentOver]

Sounds terrible.

Unfortunately, looks like the industry in general will migrate toward increased insurance cost for employees - especially with Barry Obama winning a 2nd term. I have a buddy at Delta and he has great coverage for his family - let's see how long that lasts....

I could be wrong but I'm pretty sure Delta's insurance will last as long as it remains in their contract.. (Or until delta decides to do a sham BK again)...

 

[Lake Alice]

You are absolutely right on the current length of their rates. I suppose the point I was trying to make is Delta's union will still be able to negotiate the share Delta pays where as Jetblue is transferring almost all of the cost of the insurance to the employee.

 

[Splert]

You are absolutely right on the current length of their rates. I suppose the point I was trying to make is Delta's union will still be able to negotiate the share Delta pays where as Jetblue is transferring almost all of the cost of the insurance to the employee.

At the current rate for the HRA money is being made.

When employees quit ... and they will ... the company keeps the money in the HRA.

 

[$$$4nothin]

$20,000 is accurate when considering premium, in network deductible, co insurance maximum, co payment and then out of network deductible and co insurance maximum.

Then the deductibles (in and out of network) and co payments maximums (in and out of network) reset every year.

This is apparently the case. I hadn't added in your premiums. I also don't quite understand why you are paying in and out of network deductibles either. I would love to here it though as all my discusions with our pvc members always got me to the $8800 mark for my max worst case scenario, plus premiums of course.

 

[Splert]

If all your providers are IN NETWORK that is the correct except you are $200 over.

$2600 + 6000 = $8600.

Then add RX expenses and premiums.

Some providers of medically necessary treatments are OUT OF UHC/Anthems NETWORK of participating providers .

For instance if you live in Pocatello Idaho. Is there a breadth of providers that are all in network (UHC or Anthem)? Sometimes not.

Chiropractor, family counseling, child development (autism) mental health, physical therapy, acupuncture, injury or sickness out of the country, etc is mostly LIKELY out of network and subject to the separate out of network deductible and co insurance limit.

Your exposure is $8600 plus the additional out of network deductible and co insurance maximum.

That is close to $23,600 per year plus the cost of the Green Plan and RX expenses.

BTW, the PVC doesn't know Richard about much. If they are your source then get better sources. The PVC should not be talking about anything to anyone unless they hire a third party to educate the pilot group FIRST.

The PVC guesses and that is about IT!

 

[$$$4nothin]

Well I guess the title of this thread says it all then.

 

[clickclickboom]

$$$4nothin

Also JB does NOT cover Autism. While collecting media praise for having autism family days and pretending to to take autistic families on trips by taxiing around the airline employees here get NO coverage.

Also if you are in network and lets say your hospital just happens to need the specialist from the next town over because their guy is not available YOU will not be notified if that doctor is out of network. They will perform the procedure and 30 days later the letter will come in the mail with an additional $3900 bill through no fault of your own.

Or better yet take this scenario. You are on vaction kid falls off the water slide bone sticking out screaming etc.. Its december 30th you take your child to the nearest facility whick turns out to be out of network. You will be responsible for nearly the entire bill. You pay the 3000 bill. On Dec 31 you go to your local hospital with comlications and then trigger the $2600 deductible and then the 20% copay while the american doctors correct the issue. they take the xrays and decide that now they want to do surgery for the compound fracture.

We DONT have an existing condition carryin clause so on new years day you reset. You come in for surgery and the new $2600 deductible new out of pocket max and 20% copay trigger. In this scenario you could experience nearly $30,000 in out of pocket in three days.


Think it cant happen? I know one pilot and this is EXACTLY how it happened however he was lucky it was 2011 it only cost him $10,000

Plus look at family budget it is entirely possible that the new bluejet plans have you paying more for health coverage than for your mortgage.

Also have to ask 300-600% increases in one year whats next? next year cost?

 

[bluesideup340]

Blueside so are you saying i just made it up for no reason? The information came from the horses mouth all i did was passa long what i heard. What else do you want to defend? our healthcare? reduction in premium? refusal to address committee research? fsm 07 10?????

what else are we all wrong about?

By no means did I imply you are wrong about everything; other than the Instructor pay. Of course, I may not always share your opinion but that does not make you wrong and me right. However, the information on the instructor pay you posted was just not factual.

If you indeed heard it from the horses month you are most likely talking to the wrong horse. (Call OSC and ask BN)

 

[clickclickboom]

For the sake of our training department I am happy I was incorrect.. I stand corrected.............For Now

 

[Smarta$$]

For the sake of our training department I am happy I was incorrect.. I stand corrected.............For Now

OK, then I am 100% correct in stating a merger is not happening............. For Now










However, our stock price is on the move which could be interpreted either way....









For Now.........