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Medical

At American, we’re committed to providing medical coverage that’s both affordable and flexible.

 

2021 benefits updates to come in January. 

Getting Started

  • In 2020, most team members can choose from 3 options: Core, Standard, & High Cost Coverage.
  • In 2020, team members who live in the Dallas-Fort Worth area can also choose the DFW ConnectedCare option administered by Baylor Scott & White Quality Alliance (BSWQA).
  • In 2020, Legacy US Airways team members represented by the IAM can choose from the PPO 80, PPO 90, PPO 100, and Core options. 
  • The plans are administered by BlueCross BlueShield and UMR, based on where you live.
  • Some team members qualify for an HMO (Health Maintenance Organization) option based on where you live.
  • All options include prescription coverage through Express Scripts.
  • All options, excluding DFW ConnectedCare and HMOs, provides you with an Accolade health assistant, your independent health benefits navigator. The good news is if you’re covered by an American-offered HMO option, your administrator likely already offers programs similar to Accolade. The DFW ConnectedCare option provides you with a health care coordinator who will help connect you to a team of experts who understand your health care needs.

How the DFW ConnectedCare options work

No deductible: You will not have to pay a large out-of-pocket expense before the plan starts sharing your costs. 

Copays when you need care: You’ll know how much you’ll spend for most care. 

Faster access: Take advantage of same-day appointments, extended hours and on-site lab and imaging services. Also, Baylor Scott & White Health (BSWH) providers have appointment spots slated just for patients enrolled in DFW ConnectedCare.

Convenient care: Manage your health care needs, review your medical record, make appointments and connect with a provider through eVisits or Video Visits — all within the MyBSWHealth app. 

Navigation and support: Dedicated health care coordinators can assist you with appointment scheduling, provider searches, where to go for care and billing questions.

Rewards for staying well: You and your covered spouse can each still earn up to $250 in Well-Being Rewards by completing certain activities. All dollars earned go directly into your health reimbursement account (HRA), administered by Alight Smart-Choice Accounts. 

Individual Deductible$0
Family Deductible$0
Individual Out-of-Pocket Maximum $3500
Family Out-of-Pocket Maximum$7000
What You Pay (Toward your Out-of-pocket Maximum)
Preventive care $0
Onsite clinic $20
Telemedicine $10
Primary care provider (PCP) visit $15
Specialist visit $50
Outpatient hospitalization $300
Inpatient hospitalization $500/day $1,500 max
Retail/convenience clinic visit $20
Urgent care $75
Emergency room $300
Basic radiology $50
Advanced radiology $100
Outpatient marriage/couples/family counseling$50

2020 Contributions

MONTHLY ANNUAL
Employee Only $97.90$1174.80
Employee + Spouse $254.56$3054.72
Employee + Child(ren) $176.23$2114.76
Employee + Family $342.68$4112.16

How the Core, Standard and High Cost Coverage options work

FREE PREVENTIVE CARE

All the options cover eligible in-network preventive care — like physical exams, flu shots, and screenings — at 100% when you use in-network providers.

COPAYS

A copay is a fixed amount you pay for a health care service. Copays do not count toward your deductible but do count toward satisfying your annual out-of-pocket maximum.

DEDUCTIBLE

Medical services that are not considered preventive care or not subject to a copay will require you to pay the full cost of care until you meet your annual deductible.

COINSURANCE

Once you’ve met your deductible, you and American share the cost of care, called coinsurance. When you use in-network providers, you’ll pay 20% and American will pay 80% of the cost until you’ve reached your out-of-pocket maximum.

OUT-OF-POCKET MAXIMUM

An out-of-pocket maximum is the most you’ll pay during a year. After you reach your out-of-pocket maximum, American picks up the full cost of covered medical care for the remainder of the year.

Need help choosing a medical option? Watch this:

Comparing 2020 Options

Select an option below for more information. For complete plan details visit Plan Guides.

Detailed information about prescription benefits can be found on the prescription page.

IN-NETWORKOUT-OF-NETWORK
Individual Deductible$1500$4000
Family Deductible$3000$8000
Individual Out-of-Pocket Maximum (including deductible)$4000$12,000
Family Out-of-Pocket Maximum (including deductible)$8000*$24,000
What You Pay (after deductible except where noted)
Preventive Care$040% coinsurance
Doctor on Demand20% coinsuranceN/A
Primary Care Physician20% coinsurance40% coinsurance
Hospitalization20% coinsurance40% coinsurance
Specialist & Urgent Care20% coinsurance40% coinsurance
Emergency Room20% coinsurance20% coinsurance
* Individual out-of-pocket maximum is $6850 for those with family coverage

2020 Contributions

MONTHLYANNUAL
Employee Only$67.69 $812.28
Employee + Spouse$176.00 $2112.00
Employee + Child(ren)$121.85 $1462.20
Employee + Family$236.92$2843.04
IN-NETWORKOUT-OF-NETWORK
Individual Deductible$850$3000
Family Deductible$2550$9000
Individual Out-of-Pocket Maximum (including deductible)$2850$9000
Family Out-of-Pocket Maximum (including deductible)$7550$24,000
What You Pay (after deductible except where noted)
Preventive Care$040% coinsurance
Doctor on Demand$20 copay (no deductible)N/A
Primary Care Physician$30 copay (no deductible)40% coinsurance
Hospitalization20% coinsurance40% coinsurance
Specialist & Urgent Care20% coinsurance40% coinsurance
Emergency Room$100 copay n(waived if admitted) + 20% coinsurance$100 copay (waived if admitted) + 20% coinsurance

2020 Contributions

MONTHLYANNUAL
Employee Only$108.78 $1305.36
Employee + Spouse$282.84 $3294.08
Employee + Child(ren)$195.81 $2349.72
Employee + Family$380.75$4569.00
IN-NETWORKOUT-OF-NETWORK
Individual Deductible$400$1550
Family Deductible$1200$4650
Individual Out-of-Pocket Maximum (including deductible)$2400$7550
Family Out-of-Pocket Maximum (including deductible)$6200$19,650
What You Pay (after deductible except where noted)
Preventive Care$040% coinsurance
Doctor on Demand$20 copay (no deductible)N/A
Primary Care Physician$25 copay (no deductible)40% coinsurance
Hospitalization20% coinsurance40% coinsurance
Specialist$45 copay (no deductible) 40% coinsurance
Urgent Care$65 copay (no deductible)40% coinsurance
Emergency Room$200 copay (waived if admitted) + 20% coinsurance$200 copay (waived if admitted) + 20% coinsurance

2020 Contributions

MONTHLYANNUAL
Employee Only$218.93 $2627.16
Employee + Spouse$613.24 $7358.88
Employee + Child(ren)$394.07 $4728.84
Employee + Family$825.63$9907.56

How the PPO 80, PPO 90, and PPO 100 Work

 

COPAYS

A copay is a fixed amount you pay for a health care service. Copays do not count toward your deductible or out-of-pocket maximum.

DEDUCTIBLE

Medical services that are not subject to a copay will require you to pay the full cost of care until you meet your annual deductible.

COINSURANCE

Once you’ve met your deductible, you and American share the cost of care, called coinsurance. In the PPO 80 you’ll pay 20% of the cost of services and in the PPO 90 you’ll pay 10% until you reach your out-of-pocket maximum. With the PPO 100 option, once you reach your deductible the plan pays 100% of eligible charges.

OUT-OF-POCKET MAXIMUM

An out-of-pocket maximum is the most you’ll pay during a year. After you reach your out-of-pocket maximum, American picks up the full cost of covered medical care, excluding copays, for the remainder of the year.

2020 Legacy US Airways Options

In 2020, Legacy US Airways team members represented by IAM can choose from the PPO 80, PPO 90, PPO 100, and Core options.

Select an option below for more information or click here to view all three options side by side along with side by side comparison of prescription benefits. For complete plan details visit Plan Guides.

Information about prescription benefits can be found on the prescription page.

IN-NETWORKOUT-OF-NETWORK
Individual Deductible$450$900
Family Deductible$900$1800
Individual Out-of-Pocket Maximum (includes deductible)$3000$6000
Family Out-of-Pocket Maximum (includes deductible)$6000$12,000
What You Pay (after deductible except where noted)
Preventive Care$25 copay (no deductible)Not covered
Doctor on Demand$20 copay (no deductible)N/A
Primary Care Physician$25 copay (no deductible)40% coinsurance
Specialist & Urgent Care$40 copay (no deductible)40% coinsurance
Hospitalization20% coinsurance40% coinsurance
Emergency Room$100 copay (waived if admitted)$100 copay (waived if admitted)

2020 Full-Time Contributions

MonthlyAnnual
Employee Only$35.60 $427.20
Employee + Spouse$71.21 $854.52
Employee + Child(ren)$69.32 $831.84
Employee + Family$120.38$1444.56

2020 Part-Time Contributions

MonthlyAnnual
Employee Only$71.20 $854.40
Employee + Spouse$142.42 $1709.04
Employee + Child(ren)$138.64 $1663.68
Employee + Family$240.76$2889.12
IN-NETWORKOUT-OF-NETWORK
Individual Deductible$225$450
Family Deductible$450$900
Individual Out-of-Pocket Maximum (includes deductible)$1500$3000
Family Out-of-Pocket Maximum (includes deductible)$3000$6000
What You Pay (after deductible except where noted)
Preventive Care$25 copay (no deductible)Not covered
Doctor on Demand$20 copay (no deductible)N/A
Primary Care Physician Visit$25 copay (no deductible)30% coinsurance
Specialist and Urgent Care$40 copay (no deductible)30% coinsurance
Hospitalization10% coinsurance30% coinsurance
Emergency Room$100 copay (waived if admitted)$100 copay (waived if admitted)

2020 Full-Time Contributions

MonthlyAnnual
Employee
 Only$106.90 $1282.80
Employee + Spouse$213.77 $2565.24
Employee + Child(ren)$208.01 $2496.12
Employee + Family$361.82$4341.84

2020 Part-Time Contributions

MonthlyAnnual
Employee
 Only$213.80 $2565.6
Employee + Spouse$427.54 $5130.48
Employee + Child(ren)$416.02 $4625.28
Employee + Family$723.64$8683.68
In-NetworkOut-of-Network
Individual Deductible$225$450
Family Deductible$450$900
Individual Out-of-Pocket Maximum (includes deductible)$225$3000
Family Out-of-Pocket Maximum (includes deductible)$450$6000
What You Pay (after deductible except where noted)
Preventive Care$25 copay (no deductible)Not covered
Doctor on Demand$20 copay (no deductible)N/A
Primary Care Physician Visit$25 copay (no deductible)20% coinsurance
Specialist and Urgent Care$40 copay (no deductible)20% coinsurance
Hospitalization0% coinsurance20% coinsurance
Emergency Room$100 copay (waived if admitted)$100 copay (waived if admitted)

2020 Full-Time Contributions

MonthlyAnnual
Employee Only$241.07 $2892.84
Employee + Spouse$481.07 $5772.84
Employee + Child(ren)$473.68 $5684.16
Employee + Family$823.66$9883.92

2020 Part-Time Contributions

MonthlyAnnual
Employee Only$482.14 $5785.68
Employee + Spouse$962.14 $11,545.68
Employee + Child(ren)$947.36 $11,368.32
Employee + Family$1647.32$19,767.84
In-NetworkOut-of-Network
Individual Deductible$1500$4000
Family Deductible (if more than one person is covered, the family deductible must be met)$3000$8000
Individual Out-of-Pocket Maximum (includes deductible)$4000$12,000
Family Out-of-Pocket Maximum (includes deductible) $8000*$24,000
What You Pay (after deductible except where noted)
Preventive Care$0 40% coinsurance
Doctor on Demand20% coinsurance N/A
Primary Care Physician Visit20% coinsurance40% coinsurance
Hospitalization20% coinsurance40% coinsurance
Specialist and Urgent Care20% coinsurance40% coinsurance
Emergency Room20% coinsurance20% coinsurance
* Individual out-of-pocket maximum is $6850 for those with family coverage

2019 Full-Time and Part-Time Contributions

MONTHLYANNUAL
Employee Only$67.69 $812.28
Employee + Spouse$176.00 $2112.00
Employee + Child(ren)$121.85 $1462.20
Employee + Family$236.92$2843.04

Spending Accounts

Whichever option you choose, you’ll have the option to set up a pre-tax account that can be used to pay eligible medical, prescription drug, dental, vision, and dependent care expenses.

With the Core option you can set up a Health Savings Account and a Limited Purpose Flexible Spending Account, while the other plans offer a Health Care Flexible Spending Account. Be sure to consider the value of these accounts when choosing your plan.

You can review all the details on the Spending Accounts page.

Dependent Coverage

You can choose to elect coverage only for yourself, even if you cover dependents for other benefits, like vision or dental. However, if you do elect medical coverage for a dependent then you must be enrolled as well.

Mobile Apps

Save time managing your health care with the Accolade mobile app. You can get the benefits of your Accolade health assistant now on your mobile device.

Questions about your coverage? Need help finding a new doctor? Confused about a provider bill? Health care support is just a secured message away.

Accolade

Download the free Accolade mobile app from the Apple App Store or Google Play.

 

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Disclaimer
This website provides an overview of your benefit options. The complete provisions of the plans are set forth in the Plan Documents and Summary Plan Description. If the information online is inconsistent with the Plan Documents, the Plan Documents will govern. This website is not intended as a contract of employment or a guarantee of current or future employment. The Plan Sponsor(s) reserve the right to amend or terminate each plan at any time.

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