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

Getting Started

  • In 2019, most team members can choose from 3 options: Core, Standard, & Value.
  • In 2019, 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 HMOs, provides you with an Accolade health assistant, your independent health benefits navigator. HMO participants and team members not enrolled in an American medical option can get contact Accolade for information to help them make a plan election at hire or if experiencing a life event. The good news is if you’re covered by an American-offered HMO option, your administrator likely already offers programs similar to Accolade.
  • All options, excluding HMOs, allow you to earn Wellness Rewards that can help you pay for medical, prescription, vision, or dental expenses.

How the Core, Standard and Value 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:

How to Choose

AMERICAN AIRLINES

All team members represented by the APA, APFA, CWA-IBT and TWU, as well as all Management and Support Staff

Comparing 2019 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.

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

2019 Contributions

MONTHLYANNUAL
Employee Only$64.00 $768.00
Employee + Spouse$166.40 $1996.80
Employee + Child(ren)$115.20$1382.40
Employee + Family$224.00$2688.00
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 (waived if admitted) + 20% coinsurance$100 copay (waived if admitted) + 20% coinsurance

2019 Contributions

MONTHLYANNUAL
Employee Only$102.85$1234.20
Employee + Spouse$267.41$3208.92
Employee + Child(ren)$185.13$2221.56
Employee + Family$359.98$4319.76
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

2019 Contributions

MONTHLYANNUAL
Employee Only$196.13$2353.56
Employee + Spouse$543.13 $6517.56
Employee + Child(ren)$353.03$4236.36
Employee + Family$731.20$8774.40

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.

2019 Legacy US Airways Options

In 2019, 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)

2019 Full-Time Contributions

MonthlyAnnual
Employee Only$34.86$418.32
Employee + Spouse$69.73$836.76
Employee + Child(ren)$67.88$814.56
Employee + Family$117.89$1414.68

2019 Part-Time Contributions

MonthlyAnnual
Employee Only$69.72$836.64
Employee + Spouse$139.46$1673.52
Employee + Child(ren)$135.76$1629.12
Employee + Family$235.78$2829.36
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)

2019 Full-Time Contributions

MonthlyAnnual
Employee
 Only$99.04$1188.48
Employee + Spouse $198.05$2376.60
Employee + Child(ren)$192.72$2312.64
Employee + Family$335.22$4022.64

2019 Part-Time Contributions

MonthlyAnnual
Employee
 Only$198.08$2376.96
Employee + Spouse$396.10$4753.20
Employee + Child(ren)$385.44$4625.28
Employee + Family$670.44$8045.28
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)

2019 Full-Time Contributions

MonthlyAnnual
Employee Only$228.17$2738.04
Employee + Spouse $455.33$5463.96
Employee + Child(ren)$448.34$5380.08
Employee + Family$779.59$9355.08

2019 Part-Time Contributions

MonthlyAnnual
Employee Only$456.34$5476.08
Employee + Spouse$910.66$10927.92
Employee + Child(ren)$896.68$10760.16
Employee + Family$1559.18$18.710.16
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$64.00$768.00
Employee + Spouse $166.40$1996.80
Employee + Child(ren)$115.20$1382.40
Employee + Family$224.00$2688.00

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.