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Wednesday, October 18, 2017
Clarification to the Most Recent Benefits Enrollment Hotline – LAA/LUS
In all of the American Airlines Health Plans, Standard, Value and Core, once you have met the combined deductible and out of pocket max, the plan covers in-network medical expenses at 100%. Some of the posted examples in the recent Health Hotline were not accurate in showing this.
One of the most important factors to consider when choosing between the Health Plans is the cost of the premiums vs. the cost of the deductible. Premiums are the price you pay for your coverage. They are not applied to your deductible or out of pocket maximum. It is up to you to determine whether the greater cost in premiums for the Value Plan is worth it in order to have a somewhat lower deductible.
For an Employee and Spouse, premiums for the Value Plan cost $2,832.36 more per year than the Standard Plan. The deductible for the Value Plan is $800 vs. $1700 for the Standard Plan.
For an Employee and Child(ren), premiums for the Value Plan cost $1960.80 more per year than the Standard Plan. For an employee plus 2 or more children, the deductible for the Value Plan is $1,200 vs. $2550 for the Standard Plan.
For a Family, premiums for the Value Plan cost $3,812.76 more per year than the Standard Plan. The family deductible for the Value Plan is $1,200 vs. $2550 for the Standard Plan.
The combined deductible and out of pocket maximums for Employee Only:
Value Plan – $2,400
Core Plan – $4000
The Core Plan is the least expensive in terms of premiums, but it has the highest combined deductible and out of pocket maximum.
Remember, all health care plans (Core, Standard and Value) cover the same medical care, however, the premiums, deductible, and out of pocket maximum will vary depending on the plan that you elect and the number of people who are covered.
Note: Even if you are not making changes to your current elections, we suggest you go online and make a print-out or take a photograph of your current coverage. Your current coverage other than Flexible Spending Account (FSA)/Health Savings Account (HSA) contribution amounts are supposed to be the default if you do not go online and enroll, but better to be safe than sorry.
You must enter a new FSA or HSA contribution amount each year. 2017 FSA funds of $500 or less will roll over for use in 2018. Any 2017 FSA funds in excess of $500 must be used prior to the end of the year.
There is more detailed information about all of the Company’s health plan options available on www.my.aa.com.
Union Benefit Planners
There have been a few glitches with the Union Benefit Planners online enrollment system, and they are working to get these corrected as quickly as possible. A link with more information about the coverage options they offer is included below.
Please be aware that the online enrollment form they provide is also used for Unions other than APFA, so the form is not solely designed for Flight Attendants.
Please call the phone number provided in the following link if you have questions or run into difficulty enrolling in the UBP benefits:
Kim Coats Tuck
APFA Interim National Health Chair