Spirit AeroSystems open
enrollment requires action
WICHITA – For employees represent- ed by SPEEA at Spirit AeroSystems, open enrollment is April 25 – May 5,
the only time of the year to make routine changes
to your health care plan.
In addition to the current Core and Enhanced
Plans, and in order to save SPEEA-represented
jobs, the company and SPEEA agreed to also
offer the four non-union medical plans, the
Yellow, Green, Blue and Orange Plans. The
HealthSaver plan option has been discontinued,
because the new Green Plan is a very comparable
Health Savings Account (HSA)-qualified High
Deductible Health Plan (HDHP).
Action is necessary again this year. You must
complete the steps in annual open enrollment,
the same as last year, to be covered by a health
plan of your choosing along with your dependents. If you do not elect a plan, you will default
to the new Green Medical Plan, with no vision
and no dental.
• If you opt for a different plan, changes
take effect July 1.
• If you enroll previously uncovered dependents, their coverage will take effect July 1.
Since you must take action to select a plan,
it’s a good reason take a fresh examination of
the plans available, according to Matt Kempf,
“Often, individuals get distracted by high
deductibles and do not realize that the premiums required for the Core Plan can be higher
than the premiums plus deductibles minus the
employer-paid accounts,” he said.
“This year, more than ever, individuals in the
Core Plan should strongly consider the Green
Plan and/or the Enhanced Plan, even if they
expect to have health care costs that are above
Kempf will present informational seminars to
hundreds of SPEEA-represented employees April
17-18. The meeting schedule will include lunchtime and after-hours options. More details will
be emailed when available. Kempf’s presentation
will be available at www.speea.org after April 18.
New vision enrollment
Vision has been carved out of the medical plan
premiums so that individuals who don’t need
medical can opt to enroll in vision independently.
Three vision options are available.
New dental plan options
The dental plan options have been expanded,
and all are free from premium contributions. It
makes sense for every single individual to enroll
in the plan with the most coverage.
New facility network
In late 2016, Spirit announced an improved
relationship with the Via Christi provider system, modifying the network for hospitals and
facilities. The doctor/specialist network remains
unchanged. SPEEA has met with Spirit on
multiple occasions this spring and expressed
concerns, most focused on the potential lack
of coverage of certain items based on religious
beliefs rather than individual choice. If you are
aware of services available now that will not be
available because of the network change, please
send your comments to email@example.com.
1. Enhanced Plan – pay low premiums
The Enhanced Plan has low monthly
premiums, but has a deductible you
must pay when you incur non-preven-tative claims. If you do incur expenses,
the company-provided Personal Care
Account (PCA) can help cover some of
the expenses. If you don’t incur any
expenses, the PCA rolls over from year
2. Core Plan – pay highest premiums
The Core Plan has higher up-front costs
in monthly premiums. The Core Plan
requires referrals, but in certain circumstances has office visits with zero co-pay.
3. New Yellow Plan – high premiums with
The Yellow Plan has co-pays for primary
and specialty office visits.
4. New Green Plan – HSA qualified and
The Green Plan is a little more costly
than last year’s HealthSaver, but the
more moderate out-of-pocket maximum
makes this plan an acceptable alternative
to the Enhanced Plan and/or the Core
Plan. The non-individual deductibles
are aggregate deductibles (different than
the Enhanced Plan), and need to be fully
understood prior to enrollment.
5. New Blue Plan – HSA qualified, higher
deductibles and lower premiums than Green
The Blue Plan has a higher deductible than the Green Plan, making it
less expensive. Like the Green Plan, the
non-individual deductibles are aggregate
deductibles (different than the Enhanced
Plan), and need to be fully understood
prior to enrollment.
6. New Orange Plan – HSA qualified,
highest deductible and negative premiums
The Orange Plan has the highest deductible, making this plan function more like
a catastrophic medical plan. In addition
to the HSA company contributions,
Spirit will pay you to take this plan
Spirit open enrollment
April 25 – May 5