Any "Latest & Greatest" about Delta?
11-22-2014, 02:38 PM
The Brown Dot +1
Joined APC: Jun 2009
Position: 777B
Posts: 7,775
I still haven't made the election. I don't speak insurance well. Am I correct in believing that the UHC plans (non-HSA) have degraded significantly?
Also, the DPMP actually looks good to me this year. The downside is higher monthly premiums. The only thing I don't like is that it doesn't differentiate between the number of kids in the family...I only have 1, but he's going to need braces this year and I believe the DPMP covers the braces.
Thoughts?
11-22-2014, 02:45 PM
Gets Weekends Off
Joined APC: Sep 2008
Position: Kickin’ Back
Posts: 6,971
'scuse me! Who are you and what have you done with buzzpat!!!
Denny
11-22-2014, 03:03 PM
Gets Weekends Off
Joined APC: Sep 2008
Position: Kickin’ Back
Posts: 6,971
PG,
I still haven't made the election. I don't speak insurance well. Am I correct in believing that the UHC plans (non-HSA) have degraded significantly?
Also, the DPMP actually looks good to me this year. The downside is higher monthly premiums. The only thing I don't like is that it doesn't differentiate between the number of kids in the family...I only have 1, but he's going to need braces this year and I believe the DPMP covers the braces.
Thoughts?
I still haven't made the election. I don't speak insurance well. Am I correct in believing that the UHC plans (non-HSA) have degraded significantly?
Also, the DPMP actually looks good to me this year. The downside is higher monthly premiums. The only thing I don't like is that it doesn't differentiate between the number of kids in the family...I only have 1, but he's going to need braces this year and I believe the DPMP covers the braces.
Thoughts?
As far as DPMP vs an HSA plan, from a maximum out of pocket expense for the year for employee and family, I come up with DPMP...$6336 in monthly premiums and $4000 max coinsurance for a total of $10336. For the Silver HSA.....$2112 in monthly premiums and max coinsurance of $5000 for a total of $7112. This of course assumes in network.
Plus I can put money in the HSA. Some one is going to have to explain to me why the DPMP is a better option if you are not out of network...
Denny
11-22-2014, 03:24 PM
Runs with scissors
Joined APC: Dec 2009
Position: Going to hell in a bucket, but enjoying the ride .
Posts: 7,730
[QUOTE=EdGrimley;1768947]Not sure what Delta is getting out of going public with this position. Would have preferred they keep it to themselves.
[Quote]
Connect the dots, or as Deep Throat said, Follow the Money.
Who negotiates our Open Skies agreements?
Who picks the Mediation Board?
Who decides when we can engage in self help?
Yeah...That Guy.
When Leo was the CEO, he gave a bunch of money to both the Dems. and Reps., he wanted to be sure no matter which party was in power, they would back his rush to bankruptcy.
[Quote]
Connect the dots, or as Deep Throat said, Follow the Money.
Who negotiates our Open Skies agreements?
Who picks the Mediation Board?
Who decides when we can engage in self help?
Yeah...That Guy.
When Leo was the CEO, he gave a bunch of money to both the Dems. and Reps., he wanted to be sure no matter which party was in power, they would back his rush to bankruptcy.
11-22-2014, 03:47 PM
Straight QOL, homie
Joined APC: Feb 2012
Position: Record-Shattering Profit Facilitator
Posts: 4,202
Well, I'm sure ALPA supports Obama's decree, too. So we've got that going for us.
11-22-2014, 04:38 PM
The Brown Dot +1
Joined APC: Jun 2009
Position: 777B
Posts: 7,775
I'll jump in here and say, I think the Dental plan is the same for both the HSA plans and the DPMP.
As far as DPMP vs an HSA plan, from a maximum out of pocket expense for the year for employee and family, I come up with DPMP...$6336 in monthly premiums and $4000 max coinsurance for a total of $10336. For the Silver HSA.....$2112 in monthly premiums and max coinsurance of $5000 for a total of $7112. This of course assumes in network.
Plus I can put money in the HSA. Some one is going to have to explain to me why the DPMP is a better option if you are not out of network...
Denny
As far as DPMP vs an HSA plan, from a maximum out of pocket expense for the year for employee and family, I come up with DPMP...$6336 in monthly premiums and $4000 max coinsurance for a total of $10336. For the Silver HSA.....$2112 in monthly premiums and max coinsurance of $5000 for a total of $7112. This of course assumes in network.
Plus I can put money in the HSA. Some one is going to have to explain to me why the DPMP is a better option if you are not out of network...
Denny
Thanks, but I'm not even looking at the HSA's because in 8 years I'm tricare eligible and the HSA's don't work with tricare. If not for that, the HSA is pretty good.
11-22-2014, 05:37 PM
Gets Weekends Off
Joined APC: Sep 2007
Posts: 1,238
Why can't I find a comparison between DPMP, what SWA has, and what UA or AA has? I would have liked to know that before the survey.
11-22-2014, 05:37 PM
Gets Weekends Off
Joined APC: Oct 2009
Posts: 3,108
MD has asked for unity.
If our MEC chooses the release our opener to the line pilots, I believe our unity will increase in a very significant way.
Also, it will send a clear message to management and increase our leverage.
Every ALPA negotiator who has ever served will tell you all the power comes from the unity of the line pilots. Sharing the opener will increase our confidence and show that we are not going to have a repeat of C2012.
If our MEC chooses the release our opener to the line pilots, I believe our unity will increase in a very significant way.
Also, it will send a clear message to management and increase our leverage.
Every ALPA negotiator who has ever served will tell you all the power comes from the unity of the line pilots. Sharing the opener will increase our confidence and show that we are not going to have a repeat of C2012.
11-22-2014, 05:42 PM
Gets Weekends Off
Joined APC: Sep 2011
Position: Hates Commuting
Posts: 957
If 'twere me, I'd be fully funding an HSA and never use a nickel of it for routine current health care costs. It's a back-door deductible IRA, with the bonus that withdrawals for health care purposes are tax exempt. Sooner or later, you'll likely have health care costs that you can't easily cover in your normal budget--and you'll have a tax-free source of money for that. If your fortunate enough to be too healthy or wealthy for this not to be the case, then you and/or your heirs have an additional tax-deferred retirement account.
11-22-2014, 06:02 PM
The Brown Dot +1
Joined APC: Jun 2009
Position: 777B
Posts: 7,775
Scambo, you're mixing issues a bit. You cannot contribute to an HSA if you are TRICARE eligible, that's true. You can still own / manage an HSA (created / funded before TRICARE elibility started), just not make any further contributions. If I understood what you're saying, you could fund an HSA for the next eight years, and maintain it indefinitely thereafter.
If 'twere me, I'd be fully funding an HSA and never use a nickel of it for routine current health care costs. It's a back-door deductible IRA, with the bonus that withdrawals for health care purposes are tax exempt. Sooner or later, you'll likely have health care costs that you can't easily cover in your normal budget--and you'll have a tax-free source of money for that. If your fortunate enough to be too healthy or wealthy for this not to be the case, then you and/or your heirs have an additional tax-deferred retirement account.
If 'twere me, I'd be fully funding an HSA and never use a nickel of it for routine current health care costs. It's a back-door deductible IRA, with the bonus that withdrawals for health care purposes are tax exempt. Sooner or later, you'll likely have health care costs that you can't easily cover in your normal budget--and you'll have a tax-free source of money for that. If your fortunate enough to be too healthy or wealthy for this not to be the case, then you and/or your heirs have an additional tax-deferred retirement account.
Thread
Thread Starter
Forum
Replies
Last Post
