Saturday, September 26, 2015
2016 Benefits Enrollment Begins October 12 - LAA/LUS
How to Enroll - To enroll or make changes to your benefits go to the home page of my.aa.com beginning Monday, October 12th and click Enroll Now. Enrollment closes at 11:59 p.m. (CT) on October 23.
If You Don’t Enroll
Legacy US Airways Flight Attendants
2015 benefit elections for Legacy US Airways Flight Attendants DO NOT carry over. If you do not enroll and you currently have coverage, you will be enrolled automatically in the following:
- Core option medical coverage for you and your covered dependents
- Dental coverage for you and your covered dependents
- Your 2015 voluntary benefits
You must enroll if you want Vision coverage. If you waived coverage for 2015 and you do not enroll, you will have no coverage for 2016.
Legacy American Airlines Flight Attendants
2015 benefit elections for Legacy American Airlines Flight Attendants will carry over, including voluntary benefits, with the following exceptions:
- Health Savings Account (HSA) — You must make a new HSA contribution election each year; however, you may enroll or change your election anytime during the year.
- Flexible Spending Account (FSA) — You must re-enroll in the Health Care and Dependent Care FSAs each year to continue participating
On a Leave of Absence?
LAA - If you’re currently enrolled in medical, dental or vision coverage, you may make changes to your medical, dental or vision coverage during Annual Enrollment as long as you are current on your direct bill payments.
LUS - All Legacy US Airways Flight Attendants on leave of absence will be able to participate in Annual Enrollment.
Medical Comparison - Monthly Cost - Deductibles
EyeMed — a new provider — will offer enhanced vision coverage for 2016.
MetLife is the administrator for our dental plan. Flight Attendants have three options to chose from for dental coverage.
To add or make changes to your Voluntary Benefits go to AAaddedbenefits.com or call 855-550-0706.
- Hyatt Legal Plan
- Group Auto & Home Insurance
- LifeLock Identity Theft Protection
- Critical Illness Insurance
- Accident Insurance
- Pet Insurance
Hyatt Legal Plans is a legal services plan that provides legal representation for you, your spouse and dependents. The plan covers services such as preparing a will, buying or selling a home and identity theft defense. American Airlines employees can take advantage of the special group discounted rates - the plan costs just $18.98 per month. When you use a Plan Attorney for covered services, there are – no deductibles, no co-payments, no claim forms and no limits on usage.
The Group Auto & Home Program provides:
- Competitive Rates from three national insurance carriers: Liberty Mutual, MetLife Auto & Home and Travelers.
- Convenient payroll deduction that spreads your payments over the policy term into more manageable installments, with no interest charges or service fees.
- Money-saving discounts that could help you reduce your premiums even more.
- Comparative Rater Tool - an easier, quicker way to compare auto quotes.
The experts at LifeLock protect you from identity theft before the damage is done. Monitoring services 24 hours a day, seven days a week help safeguard your information both online and off. You pay premiums by credit card. You can receive up to a 40% discount by using promotion code AAEMP1.
Critical Illness Insurance complements your current medical and disability income coverage. It pays a lump-sum benefit payment that you can use as you see fit if you experience a Covered Condition and meet the group policy and certificate requirements. For example, it can be used to help pay for things like medical co-pays and deductibles, as well as day-to-day living expenses like childcare bills and even mortgage payments. Enrollment is guaranteed for you and your eligible family members, provided you are actively at work.
Your premium is based on your Issue Age, meaning your initial rate is based on your age at the time your coverage becomes effective and your rates will not increase due to age2. You can use the lump-sum payment to cover cost of co-pays, deductibles, mortgage payments and child care as you see fit to help protect your family’s finances.
Employees have the choice of $10,000 or $20,000 Guaranteed Issue coverage. For dependents you elect to enroll, your spouse/domestic partner and children will be covered at 50% of the employee benefit amount.
Some medical plans require you to pay for out-of-network care and treatments, deductibles, co-payments, and more. MetLife’s Accident Insurance provides a lump sum payment for over 150 different covered events, such as:
- Fractures and dislocations
- Second and third degree burns
- Eye injuries
If your pet gets sick or injured, taking proper care of them can be expensive. VPI Pet Insurance makes it a little easier to be prepared for them. From routine office visits to significant medical incidents, VPI provides protection for pets when they need it most.
VPI coverage is available for dogs, cats, birds, rabbits, reptiles, and even exotic pets, and it covers medical problems and conditions related to accidents and illness.
Short-Term Disability/Long-Term Disability
American Airlines offers Short-Term Disability and/or Long-Term Disability options to all Flight Attendants during open enrollment. New for 2016, LUS Flight Attendants will be eligible to enroll in the Short-Term Disability plan. LUS Flight Attendants will be eligible to enroll in the Short-Term Disability without a state of health requirement due to new participation in 2016. If you are an LAA Flight Attendant, and have not enrolled in either of the disability plans, it is strongly recommend that you consider the benefits of having disability coverage.
Doctor on Demand
In 2016, American Airlines has partnered with Doctor On Demand to offer 24/7 access to board-certified medical doctors — using your camera-enabled computer, smartphone or tablet. The Doctors can diagnose, treat, and write prescriptions for most non-emergency medical conditions. The cost of a visit is $30 for employees enrolled in the Standard and Value options. Employees enrolled in the Core option will pay $40 per visit until the deductible is met, then 20% coinsurance applies. Doctor on Demand cannot complete FMLA paperwork.
Tax Savings Accounts
Don't forget to take advantage of Health Savings Account and the Flexible Spending Account to use for your medical, dental and vision expenses. You can also enroll in a Dependent Day Care Account.
- Health Savings Account - By enrolling in the Core option, you can contribute on a pre-tax basis to your HSA through payroll deduction. For 2016, the limits are $3,350 individual and $6,750 family. Employees who are at least 55 years old by the end of 2016 can add up to $1,000 more.
- Flexible Spending Accounts (FSAs) -Transit Program - You can buy monthly commuter passes on a pre-tax basis for bus and rail travel to and from work, lowering your taxable income, and helping the environment.
- Health Care FSA and Limited Purpose FSA — You can contribute up to $2,550 in 2016 on a pre-tax basis. If you enroll in the Core option, instead of a Health Care FSA, you may contribute to a Limited Purpose FSA, which means you can only use it for dental and vision expenses.
- Dependent Care FSA — You can contribute up to $2,500 per year ($5,000 if you are married and filing jointly) to pay for eligible child and elder care with pre-tax money.
- Transit Program - You can buy monthly commuter passes on a pre-tax basis for bus and rail travel to and from work, lowering your taxable income, and helping the environment.
Benefit Roadshow Schedule
These roadshows allow you the opportunity to get more information about our benefit programs, visit with benefit administrators and participate in raffles and giveaways.
Free flu shots are being offered to all mainline employees during the roadshows. Create an account and use Invitation Code AA2015 to reserve your spot. If you don’t schedule an appointment, walk-ins will be accepted on a first-come, first-served basis. Schedule your free flu shot today by clicking here.
2016 Benefits Enrollment Complete Guide
Call the Benefits Service Center at 888-860-6178 with any questions. Representatives are available Monday through Friday, 9am-6pm (CT). Extended hours October 12–23 are 7am–7pm (CT). Also, please feel free to contact the Health Department or visit one of the counselors in operations for more information.
APFA National Health Chair
APFA National Communications Interim Chair