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

Getting Started

  • In 2021, all U.S.-based mainline team members have available to them the Core, Standard and High Cost Coverage medical options.
  • In 2021, 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).
  • Certain legacy US Airways team members represented by the IAM (including accreted team members) were grandfathered into the PPO 80 and PPO 90 medical options.
  • The plans (other than DFW ConnectedCare) are administered by BlueCross BlueShield or UMR, depending 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 option works

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 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.

Individual deductible$0
Family deductible$0
Individual out-of-pocket maximum $3,500
Family out-of-pocket maximum$7,000
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

2021 Contributions

MONTHLY ANNUAL
You only$97.01$1,164.12
You + spouse $252.25$3,027.00
You + child(ren) $174.63$2,095.56
You + family $339.57$4,074.84

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.

Comparing 2021 Medical 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.

Legacy US Airways team members grandfathered into the PPO plans can find more information below.

IN-NETWORKOUT-OF-NETWORK
Individual deductible$1,500$4,000
Family deductible$3,000$8,000
Individual out-of-pocket maximum (including deductible)$4,000$12,000
Family out-of-pocket maximum (including deductible)$8,000*$24,000
What you pay (after deductible except where noted)
Preventive care$040% coinsurance
Telemedicine (including Doctor On Demand)20% coinsuranceN/A
Primary care provider (PCP) visit20% coinsurance40% coinsurance
Hospitalization20% coinsurance40% coinsurance
Specialist and urgent care20% coinsurance40% coinsurance
Emergency room20% coinsurance20% coinsurance
* Individual out-of-pocket maximum is $6,850 for those with family coverage

2021 Contributions

MONTHLYANNUAL
You only$71.46 $857.52
You + spouse$185.81 $2,229.72
You + child(ren)$128.64 $1,543.68
You + family$250.13$3,001.56
IN-NETWORKOUT-OF-NETWORK
Individual deductible$850$3,000
Family deductible$2,550$9,000
Individual out-of-pocket maximum (including deductible)$2,850$9,000
Family out-of-pocket maximum (including deductible)$7,550$24,000
What you pay (after deductible except where noted)
Preventive care$040% coinsurance
Telemedicine (including Doctor On Demand)$20 copay (no deductible)N/A
Primary care provider (PCP) visit$30 copay (no deductible)40% coinsurance
Hospitalization20% coinsurance40% coinsurance
Specialist and urgent care20% coinsurance40% coinsurance
Emergency room$100 copay n(waived if admitted) + 20% coinsurance$100 copay (waived if admitted) + 20% coinsurance

2021 Contributions

MONTHLYANNUAL
You only$114.85 $1,378.20
You + spouse$298.61 $3,583.32
You + child(ren)$206.73 $2,480.76
You + family$401.98$4,823.76
IN-NETWORKOUT-OF-NETWORK
Individual deductible$400$1,550
Family deductible$1,200$4,650
Individual out-of-pocket maximum (including deductible)$2,400$7,550
Family out-of-pocket maximum (including deductible)$6,200$19,650
What you pay (after deductible except where noted)
Preventive care$040% coinsurance
Telemedicine (including Doctor On Demand)$20 copay (no deductible)N/A
Primary care provider (PCP) visit$25 copay (no deductible)40% coinsurance
Hospitalization20% coinsurance40% coinsurance
Specialist$60 copay (no deductible) 40% coinsurance
Urgent care$100 copay (no deductible)40% coinsurance
Emergency room$200 copay (waived if admitted) + 20% coinsurance$200 copay (waived if admitted) + 20% coinsurance

2021 Contributions

MONTHLYANNUAL
You only$246.00$2,952.00
You + spouse$696.20 $8,354.40
Your + child(ren)$442.80 $5,313.60
You + family$937.38$11,248.56

How the PPO 80 and PPO 90 Medical Options 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.

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.

2021 Legacy US Airways Medical Options

In 2021, Legacy US Airways team members represented by the IAM could be grandfathered into the PPO 80 or PPO 90 medical option. They could also choose from among the Core, Standard, High Cost Coverage and DFW ConnectedCare (in DFW only) medical options.

Select one of the PPO options below for more information. 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$1,800
Individual out-of-pocket maximum (includes deductible)$3,000$6,000
Family out-of-pocket maximum (includes deductible)$6,000$12,000
What you pay (after deductible except where noted)
Preventive care$25 copay (no deductible)Not covered
Telemedicine (including Doctor On Demand)$20 copay (no deductible)N/A
Primary care provider (PCP) visit$25 copay (no deductible)40% coinsurance
Specialist and urgent care$40 copay (no deductible)40% coinsurance
Hospitalization20% coinsurance40% coinsurance
Emergency room$100 copay (waived if admitted)$100 copay (waived if admitted)

2021 Contributions

MonthlyAnnual
You only$38.72 $464.64
You + spouse$77.44 $929.28
You + child(ren)$75.39 $904.68
You + family$130.92$1,571.04
IN-NETWORKOUT-OF-NETWORK
Individual deductible$225$450
Family deductible$450$900
Individual out-of-pocket maximum (includes deductible)$1,500$3,000
Family out-of-pocket maximum (includes deductible)$3,000$6,000
What you pay (after deductible except where noted)
Preventive care$25 copay (no deductible)Not covered
Telemedicine (including Doctor On Demand)$20 copay (no deductible)N/A
Primary care provider (PCP) 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)

2021 Contributions

MonthlyAnnual
You only$126.55 $1,518.60
You + spouse$253.06 $3,036.72
You + child(ren)$246.24 $2,954.88
You + family$428.32$5,139.84

Spending Accounts

Whichever option you choose, you’ll have the option to set up a pretax 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. With the other options, or even if you choose to waive coverage, you can choose to open 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 or MyBSWHealth mobile app (for DFW ConnectedCare members). You can experience the convenience and support of a health care navigator now on your mobile device. Download these apps from the Apple App Store or Google Play.

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