Any "Latest & Greatest" about Delta?
11-16-2011, 04:51 PM
seeing the large hubs...
Joined APC: Oct 2006
Position: 73N A
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I think each day is still worth the same. There is probably some complicated formula, but your guarantee isn't 70, it's 70-(vacation days * 3). The rest is paid with vacation days. So take the new guarantee and divide it by the number of on-call days, etc etc. I think that's how it works.
11-16-2011, 04:54 PM
seeing the large hubs...
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Position: 73N A
Posts: 3,745
11-16-2011, 05:07 PM
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11-16-2011, 06:54 PM
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alpa crewroom webboard down?
11-16-2011, 09:13 PM
Banned
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11-16-2011, 09:49 PM
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Ok I asked this earlier, but now that it is getting close to the date I want to resubmit my question.
I currently have Diamond HSA because I was single and enjoyed the tax break along with the cheap price. Now I am married and hope to have a child in the next year. Does anyone suggest staying with Diamond or going to the Gold HRA? I watched the Open Enrollment video and it confused me more. The examples they had were not that great. Seems with the anticipated doctors visits I'd quickly hit my high deductible in the HSA and then be covered 100% but not sure. PMS are welcome as well to not clutter the board, thanks.
I currently have Diamond HSA because I was single and enjoyed the tax break along with the cheap price. Now I am married and hope to have a child in the next year. Does anyone suggest staying with Diamond or going to the Gold HRA? I watched the Open Enrollment video and it confused me more. The examples they had were not that great. Seems with the anticipated doctors visits I'd quickly hit my high deductible in the HSA and then be covered 100% but not sure. PMS are welcome as well to not clutter the board, thanks.
11-16-2011, 10:29 PM
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I've been in the Diamond HSA since it started and like it. Yeah, it has a high deductible but it gives you peace of mind that, after that deductible, you're covered at 100% in network. With the family, I've met either the individual or family deductible for most years. If you end up with a lot of expensive prescriptions it's very easy to meet the deductible. As you probably already know, you can use whatever money you put into the HSA (pretax) to cover the deductible expenses. YMMV
Denny
Denny
11-17-2011, 02:31 AM
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Ok I asked this earlier, but now that it is getting close to the date I want to resubmit my question.
I currently have Diamond HSA because I was single and enjoyed the tax break along with the cheap price. Now I am married and hope to have a child in the next year. Does anyone suggest staying with Diamond or going to the Gold HRA? I watched the Open Enrollment video and it confused me more. The examples they had were not that great. Seems with the anticipated doctors visits I'd quickly hit my high deductible in the HSA and then be covered 100% but not sure. PMS are welcome as well to not clutter the board, thanks.
I currently have Diamond HSA because I was single and enjoyed the tax break along with the cheap price. Now I am married and hope to have a child in the next year. Does anyone suggest staying with Diamond or going to the Gold HRA? I watched the Open Enrollment video and it confused me more. The examples they had were not that great. Seems with the anticipated doctors visits I'd quickly hit my high deductible in the HSA and then be covered 100% but not sure. PMS are welcome as well to not clutter the board, thanks.
Tread carefully. The HSA is now 90/10 after you meet the high deductible. If you have a baby with no complications and maybe one more medium sized event, plus the associated colds etc (all in network) the two plans will probably be a wash. I have 2 kids and a wife that is quick to pull the doctor trigger. The Gold works better for me. YMMV Hope this helps.
R1
11-17-2011, 03:23 AM
Gets Weekends Off
Joined APC: Feb 2006
Posts: 1,242
I think each day is still worth the same. There is probably some complicated formula, but your guarantee isn't 70, it's 70-(vacation days * 3). The rest is paid with vacation days. So take the new guarantee and divide it by the number of on-call days, etc etc. I think that's how it works.
11-17-2011, 04:21 AM
Looking for a laugh
Joined APC: Feb 2008
Posts: 4,099
Ok I asked this earlier, but now that it is getting close to the date I want to resubmit my question.
I currently have Diamond HSA because I was single and enjoyed the tax break along with the cheap price. Now I am married and hope to have a child in the next year. Does anyone suggest staying with Diamond or going to the Gold HRA? I watched the Open Enrollment video and it confused me more. The examples they had were not that great. Seems with the anticipated doctors visits I'd quickly hit my high deductible in the HSA and then be covered 100% but not sure. PMS are welcome as well to not clutter the board, thanks.
I currently have Diamond HSA because I was single and enjoyed the tax break along with the cheap price. Now I am married and hope to have a child in the next year. Does anyone suggest staying with Diamond or going to the Gold HRA? I watched the Open Enrollment video and it confused me more. The examples they had were not that great. Seems with the anticipated doctors visits I'd quickly hit my high deductible in the HSA and then be covered 100% but not sure. PMS are welcome as well to not clutter the board, thanks.
Something to keep in mind too, the younger a kid is, the more you are going to be at the pediatrician, what with well checks, required shots, and every germ they come in contact with for the first time it seems.
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