Healthcare 101

Do you find healthcare benefits confusing? We understand, and you have nothing to worry about! This page will help familiarize you with some common terms and insurance basics—we’ll make it easy.

Learn the lingo.

Coinsurance

The percentage that you pay for care after you’ve met your deductible for the calendar year. (JetBlue pays the remaining percentage.)

Copay

A set dollar amount that you pay for a particular healthcare service.

Deductible

The amount of money you pay out of your own pocket for healthcare services, before JetBlue starts sharing the cost.

Eligible Expense

A service or product (e.g., a doctor’s office visit, lab work, prescription drugs, etc.) that qualifies for payment under your health coverage. Here’s a look at some common eligible expenses.

Explanation of Benefits (EOB)

A document that shows what services you received, how much your healthcare option paid and what you owe the doctor. Even though it’s not a bill, it’s important to review it carefully to ensure that you were correctly charged.

Flexible Spending Account (FSA)

An account that lets you set aside your own pre-tax dollars from each paycheck to pay for eligible expenses. JetBlue offers two different accounts—and the maximum dollar amount that you can set aside is set by the IRS.

The Healthcare FSA is used to pay for eligible healthcare expenses. This includes deductibles, copays, coinsurance and charges not covered by your coverage, as well as services such as chiropractic visits, hearing exams, orthodontia, prescriptions and physical therapy. The full amount you choose to deposit into your Healthcare FSA is available to use through Optum Financial at the start of your coverage, even though contributions are taken out of each paycheck throughout the year.

NOTE: You cannot enroll in a Healthcare FSA if you’re enrolled in the Core Savings or Blue Option—it’s an IRS rule!

The Dependent Care FSA is used to pay for eligible daycare expenses for dependents under age 13 or care for disabled dependents, not their health expenses (Healthcare FSA can be used for that). To use money in your Dependent Care FSA, you must have enough balance in your account from payroll contributions to cover the expenses.

Formulary

A drug formulary is a list of prescription drugs, both generic and brand name, that are considered safe and effective and also have the greatest overall value. To review the drug formulary covered by your JetBlue Medical Option, visit caremark.com.

Health Savings Account (HSA)

An account that is automatically included with the Core Savings Medical Option and the Blue Medical Option, where JetBlue places seed dollars in the account at the beginning of the year or when your medical coverage begins (prorated based on your start date). These funds can then be used to pay for eligible healthcare expenses now or you can save them for later. Your Healthy Rewards dollars are also deposited into this account. Plus, you can contribute your own money and save on taxes in multiple ways (triple-tax savings):

You can make contributions through payroll deductions, before taxes (optional)
You have the option to invest the money in your HSA and get tax-free earnings on invested funds
When you spend the money from your account on healthcare expenses, it’s also tax-free

If you leave the Core Savings or Blue Option or separate from JetBlue, you get to keep all of the unspent money.

Health Reimbursement Account (HRA)

An account that is automatically included with the Green Medical Option, where JetBlue places seed dollars in the account at the beginning of the year, or when your medical coverage begins (prorated based on your start date). These funds can then be used to help pay for eligible healthcare expenses. Your Healthy Rewards dollars are also deposited into this account. If you leave the Green Option, any unspent money goes away.

In-Network

The facilities, providers and suppliers that the JetBlue Medical, Dental and Vision Options have contracts with in order to provide healthcare services. When you use in-network providers and facilities, you pay less for services.

The Partnership Medical Option is an in-network only option that uses Centivo’s networks of trusted local doctors and healthcare professionals.

NOTE: With Cigna Dental Care Access Plus DHMO and for buying prescription drugs, you can only use in-network providers; you have to pay 100% of the cost for out-of-network.

Out-of-Pocket Maximum

The maximum amount you’ll pay for healthcare services (medical, behavioral health and prescription drugs) each year, including your deductible and coinsurance. After you reach this limit, JetBlue pays 100% for the rest of the calendar year.

Paycheck Contributions / Payroll Deductions

The amount taken from each paycheck for having healthcare coverage with JetBlue.

Plan Year

The period of time benefits are in effect through your health coverage. JetBlue’s plan option years always begin on January 1 and end on December 31.

PPO

A PPO or Preferred Provider Organization is a network of healthcare providers and facilities that has agreed to provide care to Crewmembers and their dependents.

Preventive Care

Preventive care includes annual physicals, screenings, tests and exams that are designed to detect disease and medical issues early on and to generally check your overall health. Most services are covered 100%—with no copay, coinsurance or deductible—however, you may be billed for some lab work if it’s considered extra.

Prior Authorization

This is a requirement that your physician obtain approval from your health insurance to prescribe a specific medication or complete a procedure.

Providers

These are the types of people and places that deliver healthcare to you, such as doctors, therapists, dentists, optometrists, pharmacies and hospitals. This also refers to the companies that offer you a network of healthcare professionals: Anthem BlueCross BlueShield and Centivo for medical, Cigna for dental and EyeMed Vision Care for vision coverage.

Specialty Referral

A written order from your primary care doctor for you to see a specialist (such as a cardiologist or neurologist) for a more specific treatment and/or examination.

Know JetBlue healthcare basics.

Medical

JetBlue offers four Medical Options to select from (review the overview).
The Core Savings Option and the Blue Option come with a Health Savings Account, HSA.
The Green Option comes with a Health Reimbursement Account, or HRA.
All the Options generally cover the same healthcare expenses, but there are differences in what you pay.

Behavioral Health Support

Automatically included with the Medical Option you choose.
Includes Mental Health and Substance Use coverage and is administered through the JetBlue Medical providers: either Anthem BlueCross BlueShield or Centivo.

Prescription Drug

Automatically included with the Medical Option you choose.
Must use CVS Caremark network pharmacies—which consists of 7,400 pharmacies including CVS, Walmart, Target, Walgreens, Rite Aid and many more.

Dental

Choose between the Total Cigna DPPO or the Cigna Dental Care Access Plus DHMO
DPPO provides in- and out-of-network coverage with a deductible and coinsurance.
DHMO provides in-network coverage only, requires you to select a primary dentist and dental costs are based on a fee schedule (with set costs). The DHMO has lower rates.

Vision

One option for all Crewmembers.
Coverage through EyeMed Vision Care.
You pay less for services when you use a provider who is part of the nationwide “Access” network.

Paying for Medical, Behavioral Health and Rx.

Paying for Medical, Behavioral Health and Rx services.

Get JetBlue money.

JetBlue puts seed dollars into your HSA (Core Savings or Blue Option) or HRA (Green Option) . Check and manage your dollars at Optum Financial.

Earn Healthy Rewards.

If you’re enrolled in a JetBlue Medical through Anthem, you can get extra JetBlue dollars called Healthy Rewards which are deposited into your HSA or HRA. For Pilots who have waived JetBlue Medical, a Healthy Rewards Account is opened for you. Use the Engage website and app to earn Healthy Rewards.

Reach your deductible.

Under the Core Savings and Blue Options, you pay expenses for medical visits, prescription drug and behavioral health until you reach your deductible. Under the Green Option, you pay medical expenses until you reach your deductible.

Use your HSA, HRA or Healthy Reward dollars—or pre-tax dollars you’ve set aside—to pay eligible expenses that count toward your deductible.

Share costs through coinsurance.

Under the Core Savings, Blue and Green Options, once you reach your deductible, JetBlue pays 80% and you pay 20% of costs up to the annual in-network out-of-pocket maximum.

JetBlue pays 100%.

Under all the JetBlue Medical Options—Core Savings, Blue, Green and Partnership Options, if you reach the out-of-pocket maximum, JetBlue pays 100% of costs for the rest of that year.

Connect with BlueCarpet.

BlueCarpet is a FREE advocacy service available to Crewmembers who are enrolled in a JetBlue Medical Option through Anthem. Connect with BlueCarpet by logging into Engage to use the chat feature or by calling 1-866-627-0709. Your dedicated Family Advocate can answer questions, help find providers or make appointments, or give you access other resources, such as BlueCarpet Clinical Advocates. When in doubt, reach out to your Family Advocate.