Aloha,

Important Insurance Information!

It was reported earlier, when the Delta HR representative was here in HNL, that if you chose PPO Option B and your physician was listed under OOA (Out of Area) and noted as “In Network” than In Network coverage would apply.

Upon further investigation, this is NOT the case.

Delta HR now states that the only way a FA will get in-network coverage under the PPO Option B is to choose doctors listed in the UHC Choice Plus/network plans. If the FA chooses PPO Option B and uses a OOA "in-network" doctor (who is not on the UHC Choice Plus/Network in-network list), they will pay out-of-network charges. The only way to get in-network rates using a OOA in-network doctor is to be eligible and sign-up for the OOA plan.

If you are eligible for the OOA plan, it will show up as an option in Benefits Direct on the open enrollment worksheet.

Delta HR has advised that there is a problem with the type of plan being displayed on the pre-enrollment site, www.myhealthcareview.com.  The site should have given network providers who are part of the UHC Choice Plus network.  UHC will correct the problem within 24 hours and employees who want to check the network providers for the Delta plans again in HNL will probably find more providers listed than previously.  Please check the UHC pre-enrollment site again Thursday afternoon before making a final selection.

You can change any previous selection at any time until 12am Midnight (EST) on the last date of the enrollment period.

Your MEC is working diligently to get answers to the many questions that have poured in since open enrollment started.  AFA International is in the process of completing a video that will be posted on the MEC website with helpful information in addition to a side-by-side comparison of the medical options.  Visit www.nwaafa.org and click on the Medical Enrollment link for updated information.

While Delta HR representatives and Deltanet have plenty of information about Delta HRA and HSA based medical plans, they have very little information for you regarding PPO Option B.

Please review Section 29 of our contract and the Summary Plan Descriptions on RADAR for more information about the NWA Contract PPO Option B plan and all other NWA Contract benefit plans. Highlights of the negotiated NWA Contract Plan are:

*no lifetime maximum benefit
*full-time student children covered until age 26
*NWA retirees are eligible for subsidized coverage under this plan
*deductible max of $350 ind/$700 family
* family coverage for spouse & children of a deceased flight attendant at active employee rates
*out of pocket max of $2,000 ind/$4,000 family
*in-network covered at 80/20
*out-of-network mainly covered at 70/30
*prescription drug out-of-pocket max of $1,000
*generic drugs $15/preferred brand drug $30/non-preferred brand $45
*Medco by Mail option for 90 day prescription supply at even lower cost

These and many more legally binding benefit provisions are available only to those who choose the NWA AFA Contract Plan “PPO Option B”.

Stay tuned as more information becomes available.

In Unity,

Dave Tadlock

President

Council 99-HNL