Healthcare
What you pay for services.
First, use JetBlue dollars.
Here’s how you get dollars into your account to use toward eligible expenses.
Green Plan PPO w/HRA |
Blue Plan PPO w/HSA |
|
---|---|---|
JetBlue contributes: | ||
Seed dollars to start (prorated for new enrollees) |
$400 (individual) $800 (family) |
$400 (individual) $800 (family) |
Healthy Rewards dollars |
$400 (individual) $800 (family) |
$400 (individual) $800 (family) |
Enhanced Care Management credit |
$250 (individual) $500 (family) |
$250 (individual) $500 (family) |
Your pre-tax contributions: | ||
Annually |
You can contribute up to $2,650 in a Healthcare FSA |
You can contribute up to $3,450 (individual) / $6,850 (family) in your HSA |
Account dollars pay: | ||
HRA: eligible healthcare expenses FSA: eligible healthcare expenses |
HSA: Eligible healthcare expenses now; future retiree healthcare expenses |
Next, do some easy math.
It may seem like you’re paying more for healthcare services, until you see the “total cost” picture. Here’s how your “starting deductible” gets reduced by JetBlue dollars.
This example uses the Green Plan (PPO w/HRA) for a single Crewmember…
First, you pay your payroll deduction.
You pay $55.50/semi-monthly
(non-tobacco rate)
Then, you’re responsible for 100% of the deductible. But, it can be offset by JetBlue money!
Your starting deductible
$1,300
JetBlue dollars add up to MOST of your $1,300 “starting deductible,” so your actual deductible is much less!
JetBlue gives you …
– $400
(maximum seed dollars)
– $400
(Healthy Rewards you earn)
After JetBlue contributions and rewards are subtracted, this is the typical best-case deductible for a single Crewmember.
= $500
NOTE: Earn an additional $250 ($500 family) by working with a BlueCarpet nurse to care for an ongoing condition — further reducing the deductible you are responsible for to $150.
Then, pay for healthcare services.
Here are the details on what you pay under each option.
Green Plan PPO w/HRA |
Blue Plan PPO w/HSA |
|||
---|---|---|---|---|
In-network | Out-of-network | In-network | Out-of-network | |
Deductible (paid in part with dollars from your plan account): | ||||
Individual |
$1,300 | $1,950 | $1,350 | $1,950 |
Family |
$2,600 | $3,900 | $2,700* | $3,900* |
Coinsurance: | ||||
Individual and family |
20%, after deductible | 40%, after deductible | 20%, after deductible | 40%, after deductible |
Non-notification penalty |
N/A | $500 per procedure | N/A | $500 per procedure |
Lifetime maximum |
Unlimited | |||
Eligible preventive care** |
$0 | No coverage | $0 | No coverage |
Office visits and urgent care |
20%, after deductible | 40%, after deductible | 20%, after deductible | 40%, after deductible |
Emergency room |
$300 copay (waived if admitted) |
After deductible, $300 copay (waived if admitted) | ||
Inpatient hospital and surgery |
20%, after deductible | 40%, after deductible | 20%, after deductible | 40%, after deductible |
Lab and X-ray services |
20%, after deductible | 40%, after deductible | 20%, after deductible | 40%, after deductible |
Mental health/substance abuse services |
20%, after deductible | 40%, after deductible | 20%, after deductible | 40%, after deductible |
Home health care, skilled nursing and hospice |
20%, after deductible | 40%, after deductible | 20%, after deductible | 40%, after deductible |
Out-of-pocket maximum (includes deductible, coinsurance and prescription drug expenses): | ||||
Individual |
$4,300 | $6,450 | $4,300 | $6,450 |
Family |
$8,600 | $12,900 | $7,350 per individual not to exceed a combined $8,600 per family | $12,900 |
* If you cover dependents under the Blue Plan, the full family deductible ($2,700) must be met before the coinsurance begins.
**Preventive screenings as identified by Health Care Reform.
IMPORTANT:
- A true emergency is an immediate risk to health, which requires urgent intervention to prevent the worsening of a life threat.
- Pre-authorization is required for services such as bariatric surgery, home health care and certain out-of-network services — be sure to check with your medical plan provider for the complete list.
- Out-of-Network medical expenses are paid based on the Maximum Allowed Amount (MAA).
- Deductible and out-of-pocket maximum do not include pre-authorization penalties.