A Comparison of AFA and United Benefits Proposal
2012-2016 Contract
United most recent proposal to Section 33 – Benefits eliminates all existing Contractual provisions in Section 33 and replace with: the company pays no more than 80% of aggregate cost of Medical Plan, if plans offered. “Notify the Union in writing in advance of the effective date of such changes”
In addition to premium cost increases, deductible increases, elimination of maximum increase caps per year and quality of the health care plan, management would be free to offer, or not offer, any plan at their discretion and with no oversight.
Employee Contribution: Medical PPO
| |
Employee Only |
Employee and Child(ren) |
Employee and Spouse |
Employee and Family |
Current Traditional
(20% - 7% cap) |
$80.76 |
$153.44 |
$169.64 |
$242.32 |
| 7% Cap - Maximum employee cost of coverage cannot exceed 20% of plan cost and also can not increase by more than 7% per year. |
AFA Proposed
(10% - 7% cap) |
$40.38 |
$76.77 |
$84.82 |
$121.16 |
| 7% Cap - Maximum employee cost of coverage cannot exceed 10% of plan cost and also can not increase by more than 7% per year. |
Current Continental Closest Comparable (*)
(20% aggregate - no cap) |
$210.92 |
$285.92 |
$396.07 |
$471.06 |
Current Continental Cheapest Option (+)
(20% aggregate - no cap) |
$55.00 |
$59.00 |
$109.00 |
$114.00 |
No maximum employee cost of coverage.
Aggregate – total cost of providing medical and dental to all covered employees. |
(*) United Healthcare (UHC) $350 Deductible. Does not include $48 credit for non-tobacco use or $85 spousal surcharge
(+) Aetna EPO BYO (Build-Your-Own) |
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Employee Contribution: Dental
| |
Employee Only |
Employee and Child(ren) |
Employee and Spouse |
Employee and Family |
Current Traditional
(20% - 7% cap) |
$8.84 |
$19.44 |
$18.56 |
$29.20 |
AFA Proposed Traditional
(10% - 7% cap) |
$4.42 |
$9.77 |
$9.28 |
$14.60 |
| Current DHMO |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
| AFA Proposed DHMO |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Current Continental Most Prevalent Traditional (*)
(Full Cost - no cap) |
$36.03 |
$72.07 |
$75.67 |
$117.11 |
Current Continental Most Prevalent DHMO (**)
(Full Cost - no cap) |
$23.75 |
$53.17 |
$55.05 |
$76.04 |
(*) CIGNA Dental PPO
(**) Aetna DMO |
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Medical: Deductible / Out-of Pocket Maximum / Co-Pay / Co-Insurance
| |
| |
Current / AFA Proposed |
Current Continental
Closest Comparable (*) |
Current Continental
Cheapest Option EPO
BYO (+) |
| Annual Deductible |
$250 Individual
$500 Family |
In-Network:
$350 Individual
$1,050 Family
Out-of-Network:
$3,000 Individual
$9,000 Family |
In-Network:
$1,000
Individual
$3,000
Family
No Out-of-Network coverage |
| Co-Insurance |
In-Network: 80% covered
Out-of-Network: 60% covered |
In-Network: 80% covered
Out-of-Network: 60% covered |
In-Network: 80% covered
No Out-of-Network coverage |
| Primary Care Office Visit Copay |
None |
In-Network: $20 (**)
Out-of-Network: 60% covered |
In-Network: $15 (***)
No Out-of-Network coverage |
| Specialist Care Office Visit Copay |
None |
In-Network: $25 (***)
Out-of-Network: 60% covered |
In-Network: $50 (***)
No Out-of-Network coverage |
| Out-of-Pocket Maximum |
$1,500 Individual
$3,000 Family |
In-Network:
$2,500 Individual
$5,000 Family
Out-of-Network:
$6,000 Individual
$12,000 Family |
In-Network (++):
$2,000 Individual
$4,000 Family
No Out-of-Network coverage |
(*) United Healthcare (UHC) $350 Deductible
(**) Does not count toward Annual Deductible or Out-of-Pocket Maximum
(***) Counts toward Out-of-Pocket Maximum but not toward Annual Deductible
(+) Aetna EPO BYO (Build-Your-Own
(++) Includes deductible and co-pay |
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