Health Insurance Enrollment

[robbedagain]

does anyone know when we will be doing the annual enrollment?  

 

[Rogallo]

Do you not have Jetnet access?
 
Annual Benefits Enrollment will run Oct. 12 through Oct. 23. 

 

[700UW]

If your Iam is so great You would have retirement medical . That's where Iam and twu fail . But the international has there big salerys and I bet they have retirement medical all from our dues all we get is pay cuts loose retirement Medical etc etc

Guess you are another one who doesnt know what happened.
 
When our CBA was abrogated, we lost retirement medical.
 
Dont let the facts get in your way.

 

[bob@las-AA]

Today, AA announced that Health insurance will be going up.(Surprise)
 
If you had the "Standard" or "Core" plan, you will see an increase of 8%.
If you had the "Value" plan or for those who remain in the "legacy US Airways" plan, you will pay an extra 10-12 percent.
 
WHAT RAISE?

But ......But ....how could this be???
 
Accourding to the CBA Art 41 par 2 
 
Aggregate employee contributions for the Standard and Core medical options for 2013 will be 18%, 2014 will be 19%, 2015 will be 20% and 2016 and thereafter will be 21% of the total projected cost of healthcare expenses (which include medical/Rx and administrative expenses) for the Standard and Core medical plan options. Contributions for the Standard and Core medical plan options will increase annually with projected inflation for all expenses related to these two (2) medical plan options,

 

[MetalMover]

I have a silver plan,$500 deductible, $5 for a Dr visit, $10 for a specialist.

I pay $52 a month, even had surgery and now everything is free since I met the $500 out of pocket.

$52 a month? I guess your employer, the IAM is paying the other $300 a month for your premium.

 

[MetalMover]

Just curious if you've done any research into the ACA?

I no longer have pre-funded early retiree medical with AA. So if I want to leave early and want medical I will have to take an ACA plan.

A Silver plan I looked at (Single) came out to almost $400.00 per month. Now with what I think I may need to draw out per year in retirement income (property paid off) the TAX subsides took my monthly payment all the way down to about $80.00 per month. (Again Silver plan) I'd have to say that that is a lot better than what it was before Obamacare (As people like to call it)

 

So it goes from $400 a month down to $80 with tax subsidies.......Guess who is doing the subsidizing?

 

[700UW]

$52 a month? I guess your employer, the IAM is paying the other $300 a month for your premium.

IAM my employer?
 
Thats funny, I dont work for the IAM.
 
My part is $52 and my subsidy is $383, try again.

 

[WeAAsles]

So it goes from $400 a month down to $80 with tax subsidies.......Guess who is doing the subsidizing?

You and I are.

But maybe try looking at it this way. We're paying more today so we can pay less tomorrow. Sort of like a version of pre-funding if you want to retire before 65.

Having looked at what I can get under the ACA I'm not as concerned with being able to pay for medical pre 65. That's a HUGE relief off my retirement finances. But I think of things in the long term sense.

 

[WeAAsles]

Yes I have and agree with the amounts you get to however you need to look how much you are going to pay out of pocket on the Silver plan - your deductable will be very high plus you will be very limited as to where you can get care - most places do not take ACA plans
 
This is a complex issue where you have to look at the benefits (reduced insurance premiums) and costs (access, out of pocket) etc to have the full impact - however please note almost every ACA plan is asking for huge increases in premiums as the loss ratios have been through the roof
 
There is no right answer - for example everytime I'm in the UK there is an expose on BBC about some new failure at NHS - you will find people who like NHS and others who hate it - it's all dependent upon individual situations

Agreed. I think there absolutely is room for tweaking it over the years. If you can afford private insurance outside of the ACA you're better off. But not everyone is so fortunate.

 

[Kev3188]

I think there's room for tweaking it, too...

...Like going to Single Payer. Just sayin'...

 

[WeAAsles]

But ......But ....how could this be???
 
Accourding to the CBA Art 41 par 2 
 
Aggregate employee contributions for the Standard and Core medical options for 2013 will be 18%, 2014 will be 19%, 2015 will be 20% and 2016 and thereafter will be 21% of the "total projected cost of healthcare expenses (which include medical/Rx and administrative expenses)" for the Standard and Core medical plan options. Contributions for the Standard and Core medical plan options will increase annually with projected inflation for all expenses related to these two (2) medical plan options,

C'mon Bob you're smarter than this last comment I hope? 

Those percentages you quoted are off the TOTAL cost AA pays to provide you a healthcare plan.

I highlighted it in black for you since you missed it.

 

[WeAAsles]

I think there's room for tweaking it, too...

...Like going to Single Payer. Just sayin'...

I have 12 years before I hit 62. I'm sure it will be a lot different by the time I hit that age. Something needed to change and the ACA was a good start to making that change.

 

[MetalMover]

IAM my employer?
 
Thats funny, I dont work for the IAM.
 
My part is $52 and my subsidy is $383, try again.

YOUR subsidy is paid for by yourself and fellow taxpayers. 

 

[700UW]

You don't even know how it's funded do you?

 

[MetalMover]

You don't even know how it's funded do you?

Where do you think the government gets its funding to run?  The taxpayers. At the end of the day, the taxpayer foots the bill for every program and department including defense, social security, medicare, medicaid, the list goes on. Obamacare is no different regardless of what Pelloisi sold the American public.