• Maintenance rather than coordination of medical and dental benefits with other group
• Covered expenses will include necessary care and treatment of illness, injury and pregnancy as well as expenses for certain preventative care including hearing aids

• Increased deductible to $250 single/$500 family
• Maintained 80/20 co-insurance
• Increased out of pocket to $1,500 single / $3,000 family
• Improved out patient mental health and substance abuse treatment payable at 80% after deductible. Does not apply to out of pocket limits
• Maintained unlimited lifetime maximum
• PPO incentive payment discontinued

Flight Attendant Out-Of Network Benefits

• Deductibles and out of pocket limits same as In-network
• 60/40 co-insurance
• Inpatient mental health and substance abuse treatment limited to 30 days per calendar year, per person, out patient payable at 50% after deductible. Does not apply to out of pocket limits
• $500,000 lifetime maximum for expenses incurred on or after 5/1/03
• Covered medical services obtained outside the U.S. will be treated as In-network

On July 1, 2003 Flight Attendants will be responsible for 10% of the Company premium for medical insurance, and will increase as follows:

• 1/1/04  12%
• 1/1/05  14%
• 1/1/06  16%
• 1/1/07  18%
• 1/1/08  20%

The Flight Attendant medical contributions are based on the medical premiums the Company must pay for each employee or family. These contributions cannot be based on more than a 7% increase to the Company’s medical premiums per year.

Once the 20% contribution level is reached, Flight Attendant contributions cannot exceed 7% of the prior years contribution.

Effective 7/1/03 10% of Company premium:

1 Adult                = $25.24
2 Adults               = $53.00
1 Adult & Child(ren)   = $47.95
2 Adults & Child(ren)  = $75.71
 

• Contribution will be the cost of the HMO less Company contribution to the cost of the medical PPO

• Retail deductibles and out of pocket limits same as in-network medical benefits
• Mandatory use of mail program after 90 days of retail
• Mail program co-payment increased to $15 generic and $45 brand name for 90 day supply

• Maintain deductible $50 per person, $100 per family (does not apply to preventative)

• 1/1/04 12%
• 1/1/05 14%
• 1/1/06 16%
• 1/1/07 18%
• 1/1/08 20%

The Flight Attendant dental contributions are based on the dental premiums the Company must pay for each employee or family. These contributions cannot be based on more than a 7% increase to the Company’s dental premiums per year.

Once the 20% contribution level is reached, Flight Attendant contributions cannot exceed 7% of the prior years contribution.

Effective 7/1/03 10% of Company premium:

1 Adult                = $3.34
2 Adults               = $7.02
1 Adult & Child(ren)   = $7.32
2 Adults & Child(ren)  = $11.03
 

• Contribution will be the cost of the DHMO less Company contribution to the cost of the dental PPO