JetBlue class dates

[Hair-on-Fire]

Again, I'm not saying these are acceptable, but let's stick to facts. First, the deductible in insurance plans counts towards your max out of pocket, therefore you would NOT need to spend $35k to hit the MooP. After the deductible, you have $4,400 left, so you'd need to spend $22k to hit the $7000 MooP. With the Blue Plan, your prescriptions also count towards your deductible and the MooP, hence the reason the premiums are higher than the Green Plan, I would imagine. So, that's more that you could count into it. Sadly, they don't say how much prescriptions cost under the Blue Plan. Looks like it's some kind of formulary set up, which can be good or bad.



Again, you're gonna be hard pressed to find ANY insurance plan that DOESN'T do this. My deductible on my current plan is $400. I had to pay $800 in a two month period thanks to my kid having a hospital stay in December of 06 and in January of 07. This isn't jetBlue or management trying to screw people over, it's how insurance companies work.

Not saying these plans are to the level they should be at this point in our careers, but we need to keep the facts straight to make credible arguments.

like the other guy said:

The deductible does NOT count towards the out of pocket maximum!

That's why it doesn't say out of pocket maximum. It says coinsurance.

 

[kellwolf]

If that's the case, then that's a completely different insurance than I've ever had, including the UHC health care I had a couple of years back. The insurance plans I had at SWA (ramper), Disney, Sea World, and my current airline, the deductible counted towards the MooP. I even just checked to see on my current plan, and yeah. My MooP and my deductible met to date are the same to the penny.

I haven't seen the actual fine print on the Blue/Green/Orange plans. All I have is the PDF that was up for a few hours. If you guys have the fine print, I'd love to see it.


Edit: Nevermind. I see where I screwed up. It DOES say "Coinsurance maximum." I was assuming that it was a total max out of pocket. That is pretty damn screwed up.

 

[Hair-on-Fire]

If that's the case, then that's a completely different insurance than I've ever had, including the UHC health care I had a couple of years back. The insurance plans I had at SWA (ramper), Disney, Sea World, and my current airline, the deductible counted towards the MooP. I even just checked to see on my current plan, and yeah. My MooP and my deductible met to date are the same to the penny.

I haven't seen the actual fine print on the Blue/Green/Orange plans. All I have is the PDF that was up for a few hours. If you guys have the fine print, I'd love to see it.

The other poster was incorrect in using the term Max out of Pocket as JetBlue got rid of that term and is using Coinsurance. The result is that you're out the deductible plus the $7K coinsurance before JB pays 100%

 

[JBPA]

If that's the case, then that's a completely different insurance than I've ever had, including the UHC health care I had a couple of years back. The insurance plans I had at SWA (ramper), Disney, Sea World, and my current airline, the deductible counted towards the MooP. I even just checked to see on my current plan, and yeah. My MooP and my deductible met to date are the same to the penny.

I haven't seen the actual fine print on the Blue/Green/Orange plans. All I have is the PDF that was up for a few hours. If you guys have the fine print, I'd love to see it.

Welcome to JetBlue. We're contrarian to just about everything you've known or had at other airlines. And by contrary I mean mostly bad. Not all, just mostly.

We'd show you the fine print but JB doesn't let us look at those pesky details. They tell us everything we need to know.

[end sarcasm]
In the meantime, I suggest you take a look at http://lifesnotbetterinblue.com/ and http://www.bluetruthpilots.com/. Great info on both sites.

 

[JJthejetplane]

The other poster was incorrect in using the term Max out of Pocket as JetBlue got rid of that term and is using Coinsurance. The result is that you're out the deductible plus the $7K coinsurance before JB pays 100%

You are correct in the terminology JetBlue is using, and it is a little more clear when using coinsurance maximum instead of out of pocket. Most (but not all) insurance plans use the term "maximum out of pocket expense" to mean after the deductible has been met. I have been in the health insurance industry part-time for over 15 years so old habits and terminology are hard to break. But, I can certainly see why that is confusing, and that is why insurance companies love to use the term as they do. It makes you think you are getting a better deal than you really are.

 

[Lake Alice]

This is my favorite.

What Jetblue is telling you is we will screw your health care because, well, we can.

Welcome to the continuation and degradation under the direct relationship

As stated before every group working on the health care was forced to sign NDA's. The PVC was not allowed to discuss the issue with the retirement and insurance committee. Jetblue controls the facts because it controls the message. The truth is rarely allowed to escape.

Thank you http://lifesnotbetterinblue.com

 

[JJthejetplane]

. . . but, just about a week ago DB in his JTTP said the new insurance was because of the excessive excise tax we would have to pay under the Affordable Care Act if we didn't take action?!?!?! I wish they could at least be consistent with their propaganda.

 

[Hair-on-Fire]

You are correct in the terminology JetBlue is using, and it is a little more clear when using coinsurance maximum instead of out of pocket. Most (but not all) insurance plans use the term "maximum out of pocket expense" to mean after the deductible has been met. I have been in the health insurance industry part-time for over 15 years so old habits and terminology are hard to break. But, I can certainly see why that is confusing, and that is why insurance companies love to use the term as they do. It makes you think you are getting a better deal than you really are.

It's a sh!t sandwich either way. We had a baby this year (normal delivery) and just the delivery (hospital+doctor+anesthesiologist) was billed at $40,000. It was knocked down to $22500 by the insurance company, but once you add in all the doctor visits, ultrasounds, and a couple specialist visits we would of been out the entire $9,600 plus premiums under the new plans.

 

[kellwolf]

After a bit of searching on the web, believe it or not, it's still cheaper for me to toss myself and my family on the jetBlue plan(s). THAT'S messed up.....

I don't think I can say anything else without going into some insane political rant on Congress and the health care companies.

 

[$$$4nothin]

Family Blue Plan
Premium - ***** ***** $384/mo
Deductible- *****$ 2,600
Max O/P- ***** $7,000
20% coinsurance = $35,000 or more to reach $7,000 out of pocket max.

$384 (x 12)= $4,608
$4,608+$2,600+$7,000= $14,208

This resets to zero January 1 of each year and you start all over.

If you are hospitalized for 4 days in November of 2013 and then again on January 1, 2014 and even have a minor procedure, the bill per visit easily could exceed $35,000/4 days.

For 2013+2014 you would spend*****
$28,416 total

Secondly, an normal child birth cost between $9,000 & $14,000
a C section $14,000-$25,000

4208+2600+(9000 to 25,000-2,600 x20% (1,280-4,480)=$ 8,488-$11,688 for delivery.

I was useing numbers regarding the family green plan. This reduces your premiums significantly. This is where some of our max out of pocket numbers vary a bit. Unless you have a family member with significant reacurring medication needs you shouldn't need the blue plan. Any way you look at it this is horrible.

 

[linepilot]

After a bit of searching on the web, believe it or not, it's still cheaper for me to toss myself and my family on the jetBlue plan(s). THAT'S messed up.....

I don't think I can say anything else without going into some insane political rant on Congress and the health care companies.

Or work at ANY other airline.

This is a CHOICE by a Jetblue management with no values.

Congress and health care companies have no say at all as to how companies decide to provide benefits to their employees.

 

[linepilot]

. . . but, just about a week ago DB in his JTTP said the new insurance was because of the excessive excise tax we would have to pay under the Affordable Care Act if we didn't take action?!?!?! I wish they could at least be consistent with their propaganda.

The only reason they offered Crew Care 1 for a year was so they could advance this bullsh!t claim and get their herd of sheep to bite.

 

[Cavity]

That is pretty damn screwed up.

Esteban, just wait to see what else is screwed up around here....just wait!

 

[kellwolf]

I was useing numbers regarding the family green plan. This reduces your premiums significantly. This is where some of our max out of pocket numbers vary a bit. Unless you have a family member with significant reacurring medication needs you shouldn't need the blue plan. Any way you look at it this is horrible.

Even if you do have a family member on two name brand meds a month, the Green plan at least lets you know what you're going to be paying on meds. The Blue Plan leaves it a surprise.

 

[geardown]

This stuff is all very confusing, and everyone's situation is different today and will be different in the future. I hope no one reading or commenting on this, including me, will ever be in a situation where we have to even deal with it. I would just hate someone to leave one mediocre job with good health insurance and come here and then get blindsided by the lack of health insurance. Especially on first or second year pay. Just make the decision with your eyes wide open. I know it can be a stressful decision even without this. Good luck.