2022
Benefits &
Perks Guide
At Southwest,
we recognize your
passion for life.
So, we’re here to provide benefits and perks that
help you and your family live healthy and well. From
comprehensive medical coverage and a generous
retirement savings plan to travel privileges and
everything in between—we’ve got you covered.
Let’s take a look.
Health
Contacts
2
BenefitsPlus Program
Regular Plan Program
Other Benefits
2
Table of contents
This guide only provides highlights. Additional exclusions and limitations may apply. Details are in the Summary Plan
Description on SWALife >Life & Career >Employee Services >Health Benefits (WorkPerks) >Access Health Benefits
(WorkPerks) >Reference Center >Legal Documents.
Rev 02/2022
Know who you can cover 4
Health and welfare benefits 5
BenefitsPlus Program 6
Medical 7
Hawaii, SFO, SJU and employees 10
Hawaii—HMSA Hawaii PPO
and Kaiser HMO
11
SFO—Kaiser HMO 13
SJU—Triple S Plan 15
Support for your health 17
Tax savings accounts 19
Dental 21
Vision 23
Additional benefits 25
Short-Term Disability 26
Long-Term Disability 27
Accidental Death And
Dismemberment (AD&D)
28
Life insurance coverage 29
Regular Plan Program 31
Medical 32
Support for your health 35
Dental 36
Vision 38
Short-Term Disability 40
Long-Term Disability 41
Life insurance coverage 42
Accidental Death and
Dismemberment (AD&D)
44
Other benefits 45
Retirement and
investment benefits
46
Time O 50
Travel privileges 51
Clear Skies Employee
Assistance Program (EAP)
55
Other perks 56
Contacts 58
Health
Contacts
3
BenefitsPlus Program
Regular Plan Program
Other Benefits
3
Know who you
can cover
You may enroll your eligible family members in many of
Southwest’s benefits.
To add your family member(s), go to SWALife >Life & Career >Employee Services >Health Benefits
(WorkPerks) >Access Health Benefits (WorkPerks). You must provide required documentation to
add new dependents. Find all the details and a list of the necessary documentation in the Health &
Welfare Summary Plan Description (SPD) on the home page of WorkPerks. If you provide any false
information, Southwest may deny or terminate your benefits, and take disciplinary action up to
and including termination of employment.
Eligible family members include:
•
Spouse as defined by federal tax law
•
Natural child, stepchild, legally adopted child, child placed for adoption, or child for whom you
have a legal obligation (up to the end of the month in which the child turns age 26)
•
For the BenefitsPlus Program only: Committed partner, as defined in the Health & Welfare
Summary Plan Description.
You may only add or remove a family member outside of the New Hire or annual enrollment period
if you have a qualifying life event (e.g., the birth of a child, marriage, or divorce). You must report
life events within 30 days of when they happen. You can do this by accessing SWALife >Life &
Career >Employee Services >Health Benefits (WorkPerks) >Access Health Benefits (WorkPerks)
>Change My Benefits.
Health
Contacts
4
BenefitsPlus Program
Regular Plan Program
Other Benefits
4
Health and
welfare
benefits
You can choose from two benefit
programs—the Regular Plan Program
or the BenefitsPlus Program.
Both oer medical and other coverages, but
the level of benefits diers. The BenefitsPlus
Program is more comprehensive, while the
Regular Plan Program oers some of the same
benefits, but not all. Here’s a quick look at
how they compare. The means the benefit
is oered as part of the program. The
means benefits vary significantly by eligibility,
coverage, and salary.
Regular Plan
Program
1
BenefitsPlus
Program
Medical & prescription coverage
Regular Medical Plan Choice Plus Plan, Choice
Plan C, Health Savings Plan,
Waive medical coverage
Low paycheck deductions
Preventive care coverage
Preventive drugs, annual physicals, newborn care, flu shots
and immunizations, and other preventive care
No coverage
Teladoc (telemedicine)
Supplemental Hospital and Critical Illness Plans
Waive medical (you receive $50 per month)
Company contribution to Health Savings
Account (HSA)
Health Savings Plan Only
$200–$375
Dental coverage
Vision coverage
Company-Paid Long-Term Disability
Optional Long-Term Disability
Company-Paid Basic Life Insurance
Optional Life Insurance
Optional Spouse/Committed Partner Life
Insurance
Optional Child Life Insurance
Accidental Death & Dismemberment Insurance
Auto, home, and pet insurance
1
The Regular Plan Program is not currently available to Employees working or living in Hawaii or working at SFO.
Health
Contacts
5
BenefitsPlus Program
Regular Plan Program
Other Benefits
5
Medical
If you choose the BenefitsPlus Program, you have three medical plan options.
Each plan is administered by Cigna or Aetna, depending on where you live. You can find out who your administrator is by going to myswamedical.com and
entering the ZIP code of your permanent residence (as it’s listed on SWALife >Life & Career >Employee Services >About Me >Launch About Me). All of the plans
cover the same services, like doctor visits, hospital stays, and lab work, and also cover 100% of in-network preventive care. The dierence is in how much is deducted
from your paycheck and how much you pay for care when you need it. The Health Savings Plan is the only plan that comes with a tax-advantaged
Health Savings Account (HSA) with money from Southwest. Here’s a look at what you’ll pay when you need care.
Choice Plus Plan Choice Plan C Health Savings Plan
In-Network Out-of-Network
1
In-Network Out-of-Network
1
In-Network Out-of-Network
1
Preventive care 0% 50% 0% 50% 0% 40%
Annual deductible
Individual
$500 $1,800 $1,000 $2,400 $1,500 $1,500
Family
$1,250 $4,500 $2,500 $6,000 $3,000
2
$3,000
2
Coinsurance 20% 50% 20% 50% 20% 40%
Copays
Teladoc
$5
Not applicable;
see deductible
and coinsurance
Not applicable;
see deductible
and coinsurance
Convenience care clinic
$15
Oce visit
$25
Specialist
$40
Urgent care
$40
Emergency room
$250
Annual
out-of-pocket
maximum
Individual
$4,300 $16,125 $4,800 $18,000 $6,000 $8,250
Family
3
$8,600 $32,250 $9,600 $36,000 $12,000 $16,500
1
Out-of-network benefits are paid based on eligible charges. You are responsible for any amount that exceeds eligible charges,
even after you meet your out-of-pocket maximum.
2
In the Health Savings Plan, the family deductible must be met before any family member begins receiving benefits; one family
member or multiple family members may meet this limit.
3
If you enroll in Family coverage in the Health Savings Plan, there is an individual in-network out-of-pocket maximum of $7,350.
This maximum is the most that would have to be paid out-of-pocket for any covered individual in the family.
Words
to know
Preventive care
The amount you pay for specified
preventive care services, such as an annual
physical, well baby visits, and recommended
preventive screenings.
Annual deductible
The amount you pay before Southwest
starts sharing costs with you.
Coinsurance
The percentage you pay after
meeting your deductible.
Copays
The flat dollar amount you pay
for certain services.
Annual out-of-pocket maximum
The most you pay for medical services in
a plan year, including your deductible,
copays, and coinsurance; Health Savings
Plan includes prescriptions.
Health
Contacts
7
BenefitsPlus Program
Regular Plan Program
Other Benefits
7
Prescription drugs
All the medical plans include prescription drug coverage administered by
CVS Caremark.
However, each plan works a little dierently. Here’s what you’ll pay for prescription drugs
based on the medical plan you choose.
Choice Plus Plan Choice Plan C Health Savings Plan
30-day
retail
90-day
retail
90-day
mail order
30-day
retail
90-day
retail
90-day
mail order
30-day
retail
90-day
retail
90-day
mail order
Annual deductible
Individual
$50 $150
Included in medical deductible
Family
$100 $300
Included in medical deductible
Coinsurance or copay
Generic
$10 $30 $25
10%
($10 min/
$35 max)
7%
($35 min/
$98 max)
7%
($25 min/
$88 max)
20% 20% 20%
Preferred brand
25%
($25 min/
$50 max)
25%
($60 min/
$150 max)
20%
($45 min/
$125 max)
25%
($25 min/
$100 max)
20%
($63 min/
$250 max)
20%
($48 min/
$220 max)
20% 20% 20%
Non-preferred brand
45%
($40 min/
$150 max)
45%
($75 min/
$400 max)
45%
($60 min/
$375 max)
45%
($50 min/
$175 max)
45%
($135 min/
$400 max)
45%
($125 min/
$375 max)
20% 20% 20%
Specialty drug (30-day only)
25%
($20 min/
$150 max)
Not
applicable
Not
applicable
25%
($20 min/
$150 max)
Not
applicable
Not
applicable
20%
Not
applicable
Not
applicable
Specified preventive drug
Not applicable Not applicable
20%
1
Diabetic testing supplies
(i.e. testing strips)
0% 0% 0%
1
Annual out-of-pocket
maximum
Individual
$2,050 $1,550
Included in medical deductible
Family
$4,100 $3,100
Included in medical deductible
1
Deductible waived for certain preventive medications and testing supplies.
What you
need to know
• There is no prescription drug
coverage if you fill at an excluded
pharmacy, like Walgreens. To find a
pharmacy, visit caremark.com and
use the Pharmacy Locator tool.
• If you take a maintenance
medication, you may purchase a
90-day supply at a CVS retail
pharmacy or through CVS mail
order. Or, if you wish to use another
of the 58,000+ pharmacies in
the network, you can fill a 30-
day supply. If you choose to refill
every month, it will probably cost a
little more for the smaller volume
prescription. Go to caremark.com
or call (800) 378-0755 for
more details.
• Some medications require prior
authorization before the plan will
pay for these drugs. To initiate a
prior authorization, you or your
doctor can call (800) 378-0755.
• The plans do not cover certain
items including over-the-counter
medications or their equivalents,
drug products used for cosmetic
purposes, vitamins and minerals
(except prenatals), experimental
drug products and any drug
used experimentally, and foreign
medications or drugs not
approved by the U.S. Food and
Drug Administration.
• Get the app! Download the CVS
Caremark app to refill or request
new prescriptions, track your
orders, view your prescription
history, and more.
Health
Contacts
8
BenefitsPlus Program
Regular Plan Program
Other Benefits
8
Monthly cost for
medical coverage
Your cost for coverage under any of the medical plans is deducted from your paycheck
on a before-tax basis. This lowers your taxable income, saving you money.
Choice Plus Plan Choice Plan C Health Savings Plan
Full-time Part-time Full-time Part-time Full-time Part-time
Employee Only $87.00 $87.00 $69.00 $69.00 $17.00 $17.00
Employee + Spouse/
Committed Partner
$280.00 $407.29 $174.00 $367.70 $34.00 $305.30
Employee + Children $230.00 $310.61 $147.00 $277.53 $25.00 $219.76
Employee + Family $417.00 $630.90 $260.00 $576.28 $43.00 $506.83
No Medical
If you elect No Medical, $50 will be added to your paycheck monthly.
Finding an in-network provider
If Cigna is your administrator, you can find in-network providers here.
If Aetna is your administrator, you can find in-network providers here.
ID cards
Keep an eye out for medical ID cards that will be sent to your permanent residence
(as it’s listed on SWALife >Life & Career >Employee Services >About Me).
Health
Contacts
9
BenefitsPlus Program
Regular Plan Program
Other Benefits
9
Hawaii, SFO, and SJU Employees
If you work or live in Hawaii, work at SFO, or work at SJU, you have some dierent options when it comes
to your benefits. Take a look and go to SWALife >Life & Career >Employee Services >Health Benefits
(WorkPerks) >Access Health Benefits (WorkPerks) >Reference Center >Health Benefits to get all the details.
SJU SFO Hawaii
Medical plan
options
BenefitsPlus Program:
Triple S
Regular Program:
Regular Plan
BenefitsPlus Program:
Kaiser HMO (default)
BenefitsPlus Program:
HMSO PPO (default)
Kaiser HMO
Prescription drug
coverage
Included in medical plan Included in medical plan Included in medical plan
Dental plan
options
Optional
Basic
Optional
Basic
DeltacareMO
Optional
Basic
DeltacareMO
Vision plan
options
EyeMed Vision EyeMed Vision EyeMed Vision
Health accounts N/A
Dependent Care FSA
Health Care FSA
Dependent Care FSA
Health Care FSA
Health
Contacts
10
BenefitsPlus Program
Regular Plan Program
Other Benefits
10
Hawaii—HMSA Hawaii PPO
and Kaiser HMO
If you live or work in Hawaii, you can choose either the HMSA Hawaii PPO or the Kaiser HMO.
HMSA Hawaii PPO
(in-network only)
Kaiser HMO
(in-network only)
Preventive care 0% 0%
Annual deductible
Individual
$0 $0
Family
$0 $0
Coinsurance/copays
Oce visit
$14 $20
Specialist
$14 $20
Urgent care
$14 $20
Emergency room
20% $100
Annual out-of-pocket
Individual
$2,500 $2,500
Family
$7,500 $7,500
Here’s what you pay when you need care. Here’s what you pay for prescription drugs.
HMSA Hawaii PPO
(in-network only)
Kaiser HMO
(in-network only)
31-day
supply
90-day
mail order
31-day
supply
90-day
mail order
Generic $7 $11 $15 $30
Preferred brand $30 $65 $50 $100
Non-preferred brand $75 $200 $50 $100
Specialty $200
N/A
$200
N/A
Out-of-pocket
maximum
(Individual and Family)
Combined
with medical
Combined
with medical
Health
Contacts
11
BenefitsPlus Program
Regular Plan Program
Other Benefits
11
Hawaii—HMSA Hawaii
PPO and Kaiser HMO
Monthly cost
for coverage
Your cost for medical coverage is deducted from your paycheck
on a before-tax basis. This lowers your taxable income, saving
you money. Here’s what you’ll pay each month based on who
you cover.
HMSA Hawaii PPO Kaiser HMO
Full-time Part-time Full-time Part-time
Employee Only $32.00 $16.00 $26.00 $13.00
Employee +
Spouse/Committed
Partner
$255.00 $342.15 $202.00 $283.48
Employee + Children $211.00 $243.52 $174.00 $229.38
Employee + Family $355.00 $569.68 $311.00 $553.94
No Medical
If you elect No Medical, $50 will be
added to your paycheck monthly.
Health
Contacts
12
BenefitsPlus Program
Regular Plan Program
Other Benefits
12
SFO—Kaiser HMO
If you enroll in the Kaiser HMO, here’s what you pay when you need care.
Kaiser HMO
Annual deductible
Individual
$750
Family
$1,500
Hospital inpatient
(services
rendered in the hospital and maternity)
20% coinsurance after plan deductible
Primary care, urgent care,
and specialty
$30/visit (deductible does not apply)
Well child, preventive care
visits, and routine prenatal
$0
Outpatient surgery 20%
coinsurance after plan deductible
Therapies (PT, OT, ST) $30 after plan deductible
X-rays and lab tests $10 per encounter after plan deductible
Advanced imaging (CT, MRI, PET)
20% coinsurance up to a max of $150
after plan deductible
Ambulance and emergency room
$150 per trip after plan deductible
Annual out-of-pocket
Individual
$3,000
Family
$6,000
Maximum individual benefit
Unlimited
Kaiser HMO
Mental Health
Inpatient psychiatric care
20% coinsurance after plan deductible
Outpatient individual therapy visits
$30
Outpatient group therapy visits
$15
Substance use services
Inpatient detoxification
20% coinsurance after plan deductible
Outpatient individual therapy visits
$30
Outpatient group therapy visits
$5
Health
Contacts
13
BenefitsPlus Program
Regular Plan Program
Other Benefits
13
SFO—Kaiser HMO
Prescription drugs
Here’s what you’ll pay for prescription drugs.
Kaiser HMO
(outpatient prescription drugs)
Retail (up to 30-day supply) Mail order (up to 100-day supply)
Generic brand $10 $20
Preferred brand $35 $70
Non-preferred brand $35 $70
Specialty $35 $70
SFO—Kaiser HMO
Monthly
cost for
coverage
All rates, regardless of level of coverage
or part-time/full time status, are $0.
Health
Contacts
14
BenefitsPlus Program
Regular Plan Program
Other Benefits
14
SJU—Triple S Plan
If you enroll in the Triple S Plan, preventive care is covered 100%. Here’s what you pay when you need other care.
Triple S
Coinsurance/copays
Generalist
$10
Specialist
$15
Sub-specialist
$15
X-rays, laboratories, and
diagnostic tests
20%
Emergency room
Sickness
$80
Accident
$25
Major medical
Individual
$100/20%
Family
$300 per family/20%
Annual out-of-pocket
Individual
$6,350 (combined with pharmacy)
Family
$12,700 (combined with pharmacy)
Health
Contacts
15
BenefitsPlus Program
Regular Plan Program
Other Benefits
15
SJU-Triple S Plan
Prescription drugs
Here’s what you’ll pay for prescription drugs.
Triple S Plan
30-day retail 90-day mail order
Annual deductible
Individual
$50 $50
Family
$100 $100
Generic brand $10 $30
Preferred brand $20 $45
Non-preferred brand $30 $60
Specialty drug
(Specialty products will be
dispensed only through the
ABARCA Network)
25% ($200 max)
N/A
Annual out-of-pocket
Individual
$6,350 (combined with medical) $6,350 (combined with medical)
Family
$12,700 (combined with medical) $12,700 (combined with medical)
SJU-Triple S Plan
Monthly
cost for
coverage
Your cost for medical coverage is
deducted from your paycheck on
an after-tax basis.
This lowers your taxable income, saving you
money. Here’s what you’ll pay each month
based on who you cover.
Triple S Plan
Full-time Part-time
Employee Only $54.34 $54.34
Employee + Spouse/
Committed Partner
$108.70 $184.48
Employee + Children $108.70 $184.48
Employee + Family $135.86 $249.52
No medical
If you elect No Medical,
$50 will be added to your
paycheck monthly.
Health
Contacts
16
BenefitsPlus Program
Regular Plan Program
Other Benefits
16
Support for your health
In addition to the medical coverage you can elect each year, Southwest oers
benefits that help you get the care you need and stay healthy year round.
Alight Healthcare
Concierge Service
Alight can help make sure you’re getting high-quality healthcare at the
best price. They provide pricing estimates on healthcare services, provider
recommendations, and can even help reconcile your healthcare bills.
Be sure to reach out before you schedule any treatment or procedure.
Health Savings Plan members
You’re automatically enrolled in Alight for free!
Choice Plus Plan or Choice Plan C members
You can elect Alight for only $4 per month.
Get started
Contact Alight at (855) 769-4383 or email answers@compassphs.com.
Teladoc
Get the care you need, when you need it! Teladoc is an aordable, convenient
way to get medical help 24/7. Their board-certified physicians can diagnose,
recommend treatment, and prescribe medication for many common medical
issues, such as:
• Cold and flu symptoms
• Bronchitis
• Allergies
• Ear infections
Health Savings Plan and Choice Plan C members
Pay $30 per session until you meet your deductible. Once you meet your
deductible, you pay 20% (which is $6).
Choice Plus Plan members
Pay $5 per session.
Get started
There’s no need to enroll in Teladoc. If you enroll in a BenefitsPlus Program
medical plan, this benefit is automatic! Just call (888) 368-8799 or download
the Teladoc app for quick access to a doctor by phone or video when you
need care.
• Pink eye
• Urinary tract infections
• Respiratory infections
• Sinus problems
Talk to a nurse
Evie Newton, our Dedicated Nurse, is available Monday-Friday from
8 a.m. to 5 p.m. CT at (214) 792-7986 or evie.newton@wnco.com.
Evie’s goal is to provide preventive and general health education to
you and your family members. She provides consultation to assess
and refer you to the appropriate resources as needed. Additional
information about Evie and other physical health resources may be
found on SWALife >Employee Services.
Health
Contacts
17
BenefitsPlus Program
Regular Plan Program
Other Benefits
17
Support for your health (continued)
Quit for Life
Quit for Life is a tobacco cessation program
provided to all Employees and spouses/
committed partners who are enrolled in a
BenefitsPlus Program. The program includes
a Quit Coach to help you make a plan and
stick to it, and eight weeks of nicotine patches
or gum at no additional cost.
Each enrollee receives abundant support
along the way via phone, video, chat, or text.
Real-time digital access to program incentives
and trackers.
Get started
Contact Quit for Life at (866) 784-8454 or
visit quitnow.net.
Livongo
Livongo is available at no cost to Employees and
their covered dependents that meet the program’s
criteria and are enrolled in the BenefitsPlus
Program (Choice Plus Plan, Choice Plan C, and
Health Savings Plan) or Regular Plan Program. All
other medical plans are not eligible to participate.
Livongo provides you with tools, insights, and
expert support to help you reach your health
goals. There are two main areas where Livongo
can support:
• Healthy living and diabetes prevention
• Diabetes management
With Livongo all participants will have
access to:
• Technology: Track and manage health on the go by
automatically logging data in a private dashboard and
easy-to-use app.
• Personalized insights: Get real-time tips and
personalized feedback to help learn and improve.
• Expert coaching: Talk to a Livongo health coach for
advice on nutrition, weight loss, and more whenever
extra support is needed.
Depending on the selected program,
you will also have access to the following
additional benefits at no cost:
Healthy living and diabetes prevention includes:
• smart scale,
• unlimited coaching, and
• guidance on healthy habits
Diabetes management includes:
• unlimited test strips,
• a connected blood glucose meter, and
• personalized insights
Programs include trends and support on
participant’s secure Livongo account and mobile
app but do not include a tablet or phone.
Get started
Contact Livongo at (800) 945-4355 or visit
go.livongo.com/SWA/now, registration code
is SWA.
Health
Contacts
18
BenefitsPlus Program
Regular Plan Program
Other Benefits
18
Tax savings accounts
Southwest oers three types of accounts that let you save money tax-free: the Dependent Care Flexible
Spending Account (FSA), the Healthcare FSA, and the Health Savings Account (HSA).
Here’s how these accounts work.
Dependent Care FSA Healthcare FSA HSA
How does it work?
FSAs are designed to help you budget money to pay for certain eligible healthcare and
dependent care expenses during the year.
The money you set aside in an FSA is not subject to payroll taxes, which could help you save
money. MyChoice, a Businessolver product, administers the FSAs.
The HSA allows you to set aside
before-tax money to pay for eligible
healthcare expenses for yourself
and your dependents.
If you prefer, you can invest the money and
use it for future healthcare expenses.
Who’s eligible to
contribute?
Employees enrolled in the BenefitsPlus
Program.
Employees enrolled in the BenefitsPlus
Program who are NOT enrolled in the Health
Savings Plan.
Employees enrolled in the Health Savings
Plan who meet the federal tax law
eligibility rules for having an HSA.
How much can I
contribute per year?
Minimum: $120
Maximum: $5,000
$2,500 if you are married and file separate
federal tax returns.
You can only use funds that are currently in
your account.
Minimum: $120
Maximum: $2,750
Your total annual elected amount is available
for use on Jan. 1.
Up to $3,650
for employee-only coverage
Up to $7,300
for family coverage
These limits apply to your contributions
and any Company-paid contributions.
If you are at least 55 years old during the
year, you can contribute an extra $1,000.
You can only use funds that are currently in
your account.
Note: Tax savings accounts are not available if you work at SJU.
Health
Contacts
19
BenefitsPlus Program
Regular Plan Program
Other Benefits
19
See more.
Tax savings accounts (continued)
Dependent Care FSA Healthcare FSA HSA
How much does
the Company
contribute?
$0 $0 Employee only: $200
Employee + spouse/committed partner:
$300
Employee + children:
$300
Employee + family: $375
(You must be enrolled in the Health Saving Plan as of
Jan. 1, 2022, and complete the eligibility questions during
enrollment and give Southwest permission in the WorkPerks
tool by Sept. 30, 2022, to open your account.)
What can the money
be used for?
1
Keep in mind, money
used for non-eligible
expenses is taxable and
subject to a tax penalty
Eligible expenses, including:
• Licensed nursery schools
• Licensed daycare centers for children and
disabled adults
Go to irs.gov for a full list of eligible expenses.
Eligible medical, dental, and vision out-of-
pocket expenses, including:
• Deductibles
• Copayments
• Coinsurance
• Some over-the-counter medications
• Other eligible healthcare expenses
Go to irs.gov for a full list of eligible expenses.
Eligible expenses, including:
• Medical
• Prescription drug
• Dental
• Vision
Go to irs.gov for a full list of eligible expenses.
How do I access the
money?
Manually file claims for eligible expenses
by going to SWALife >Life & Career >Employee
Services >Health Benefits (WorkPerks)
>Access Health Benefits (WorkPerks).
(There is no debit card associated with this account.)
You’ll receive a debit card to use for all
eligible expenses. Or you can file a claim for
reimbursement.
Once your account is open, you’ll receive
a debit card from Empower HSA to use for
eligible expenses.
Can I roll over
unused money?
No.
You can use the money for claims incurred
until Dec. 31, 2022, and you must submit all
claims for reimbursement by Mar. 31, 2023.
Any remaining balance is forfeited.
No.
You can use the money for claims incurred
until Dec. 31, 2022, and you must submit all
claims for reimbursement by Mar. 31, 2023.
Any remaining balance is forfeited.
Yes.
You can roll your entire unused balance over
from year to year.
Can I take my
money with me if I
leave the Company
or retire?
No.
Unused dollars are forfeited.
No.
Unused dollars are forfeited.
Yes.
Your HSA, including Company contributions,
belongs to you.
1
Committed Partner healthcare expenses are not usually eligible for the Healthcare FSA or the HSA.
Note: Tax savings accounts are not available if you work at SJU.
Health
Contacts
20
BenefitsPlus Program
Regular Plan Program
Other Benefits
20
Dental
You have three plan
options for dental
coverage—Optional,
Basic, and
the DHMO. Delta
Dental administers all
plans, and you’ll save
money on services if
you stay in-network.
Here’s a look at how the
plans compare.
Optional Basic DeltaCare DHMO
1
Annual deductible You pay $50 per person You pay $50 per person
Not applicable
What the plan pays
Annual maximum
benefit
$2,000
per person $1,500 per person
Not applicable
Preventive treatment
(e.g., cleanings, oral exams,
X-rays two times a year)
No deductible, and costs do
not apply to your deductible or
annual maximum benefit
100% 100%
Exams: $0
Cleanings: $5
Bitewing X-rays: $0
Panoramic X-rays: $0
Dental sealants
No deductible
100%
One application per tooth
every five years for the first and
second molars up to age 15
Not covered
$15
Limited to permanent
molars up to age 15
Basic treatment
(e.g., tooth extractions,
root canals)
After deductible
80% 75%
Fillings: $8–$95
Simple tooth extraction: $10
Root canals:
$125–$365
Major treatment
(e.g., crowns, bridges, dentures)
After deductible
80% 60%
Crowns: $185–$395
Bridges: $295–$395
Complete dentures: $365
Orthodontia
Braces for all ages
80% up to a lifetime maximum
benefit of $2,000 per person
60% up to a lifetime maximum
benefit of $1,500 per person
Interceptive: $1,150
Limited: $1,350
Comprehensive: $1,900
Comprehensive adult: $2,100
Special services
(e.g., impacted wisdom teeth)
No deductible and does
not apply to your annual
maximum benefit
80% 80%
Varies by state. Contact your
dentist for an estimate.
Night guards
No deductible and does
not apply to your annual
maximum benefit
Covered up to $200,
replaceable every 5 years
Not covered
Night guard: $105
Limited to 1 every 3 years
1
The DeltaCare plan does not have
coinsurance, deductibles, and
maximums. Benefits refer to specific
dental codes.
Note: Amount only includes covered
charges. Refer to Dental Program
(Section 7) of the Summary Plan
Description for a list of covered charges.
Health
Contacts
21
BenefitsPlus Program
Regular Plan Program
Other Benefits
21
Monthly cost for dental coverage
Optional Basic DeltaCare DHMO
Full-time Part-time Full-time Part-time Full-time Part-time
Employee Only $12.00 $12.00 $3.00 $3.00 $0.00 $0.00
Employee + Spouse/
Committed Partner
$30.00 $34.22 $7.00 $21.62 $0.00 $9.58
Employee + Children $34.00 $38.66 $7.00 $25.34 $0.00 $11.42
Employee + Family $47.00 $56.44 $10.00 $40.20 $0.00 $23.60
ID cards
ID cards are not required for service; however, you
may print a paper Dental ID card by registering on
deltadentalins.com/southwest.
Finding an in-network
provider if you choose
Optional or Basic
Visit deltadentalins.com/southwest or call
(866) 204-5502 to find in-network providers.
Finding an in-network
provider if you choose the
DHMO
You will need to select a primary care dentist
from the DeltaCare® USA Network. Search
dentists at deltadentalins.com/southwest to
see a list of providers. Contact Delta Dental with
your selection. When assigning or changing
dentists, requests must be received by the 21
st
of the month to be eective the first day of the
following month. If you do not select a dentist,
one will be assigned to you.
Health
Contacts
22
BenefitsPlus Program
Regular Plan Program
Other Benefits
22
Vision
Vision coverage is
available through
EyeMed with a network
of providers and vision
care centers. Here’s a
look at how it works.
Vision
What you pay for care
In-network Out-of-network
Exam with dilations
(as necessary; once every calendar year)
$10 copay per person Maximum of $39
Contact lens fit and follow-up
Standard contact lenses
$40 copay
Not applicable
Premium contact lenses
10% o the retail price
Not applicable
Contact lenses
(materials only; once every calendar year)
Conventional
$0 copay; $150 allowance paid by EyeMed;
15% o balance over $150
Any amount over the
$150 allowance
Disposable
$0 copay; $150 allowance paid by EyeMed;
15% o balance over $150
Any amount over the
$150 allowance
Medically necessary
$0 copay; paid in full by EyeMed Any amount over the $210 allowance
Retinal imaging Maximum of $39
Not applicable
Frames
(once every other calendar year)
$0 copay; $130 allowance paid by EyeMed;
20% o balance over $130
Any amount over the
$45 allowance
Standard plastic lenses
(Once every calendar year)
Single vision, bifocal, trifocal, lenticular
$10 copay
Any amount over the
$40, $60,
or
$80 allowance
Standard progressive lens
$75 Any amount over the $60 allowance
Laser vision correction
(LASIK or PRK from U.S. Laser Network)
15% o retail price
5% o promotional price
Not applicable
Health
Contacts
23
BenefitsPlus Program
Regular Plan Program
Other Benefits
23
ID cards
It is not necessary to have an ID card to receive
services; however, EyeMed will provide each new
participant with two ID cards.
Finding an
in-network provider
Visit eyemedvisioncare.com/swa or call
(855) 219-4451 to find in-network providers.
Monthly cost for
vision coverage
Vision
Employee Only $5.74
Employee + Spouse/
Committed Partner
$10.88
Employee + Children $11.46
Employee + Family $16.84
Get Freedom Pass
and save!
Freedom Pass is now included with your vision
coverage from EyeMed! The program includes:
• No cost for any frame, any brand, and any
price point if purchased at Target Optical;
use code 755288 at the time of purchase.
• Use ContactsDirect.com and get $20 o
purchase and free shipping
.
Health
Contacts
24
BenefitsPlus Program
Regular Plan Program
Other Benefits
24
Additional benefits
Supplemental Hospital Plan
This benefit does not replace medical coverage. It provides a cash benefit
if you or a family member have a hospital stay. You can use the cash for any
expense—not just medical bills.
If you buy the plan, you’ll be eligible for up to $1,500 in payments per year
for you and each qualified family member, with an additional benefit of up
to $1,000 if admitted to an intensive care unit. You get $750 as soon as you or
a qualified family member is confined to the hospital. For each additional day
in a regular hospital room during the year, you get $250 (up to three days).
For each day in an intensive care unit room, you get $250 (up to four days).
There is no prerequisite for coverage, but the plan won’t cover certain
hospitalizations. For a list of exclusions, visit
enrollment.visit-aci.com/southwest.
Monthly rates for your coverage level are in the online enrollment tool,
WorkPerks. Rates range from $8.70 to $30.16 per month, depending on your
coverage level. If you have questions, contact CHUBB at (800) 964-7096 or
go to enrollment.visit-aci.com/southwest.
Critical Illness Plan
This plan provides a cash benefit if you experience one (or more) of several
covered illnesses, including a cancer diagnosis, heart attack, or stroke. You can
use the cash for any expense—not just medical bills.
The plan is guaranteed for you and your entire immediate family, and medical
history is not required. Coverage levels you may elect include a benefit of:
• $10,000
• $20,000
• $30,000
Plan rates are based on the coverage amount you elect, your age, and whether
you smoke. Find rates in the online enrollment tool, WorkPerks.
Contact MetLife at (888) 275-0865 for more information.
Health
Contacts
25
BenefitsPlus Program
Regular Plan Program
Other Benefits
25
Short-Term Disability
Noncontract, Meteorology, and Source of Support (SOS) Employees are automatically enrolled in
coverage at no cost. This coverage pays you a portion of your income for a limited time if you can’t work
because of an injury or illness.
Noncontract Employees
Who’s eligible?
• New Hires after 90 days of employment
• Part-time Employees must work an average of at least 10 hours per week in
the six months leading up to the date of disability
• Full-time Employees must work an average of at least 20 hours per week in
the six months leading up to the date of disability
What are the weekly benefit payments?
Payments begin after the waiting period and are:
• Weeks two through seven: 100% of your average daily base pay as of the
date of disability
1
• Week eight to 90
th
day on leave: 80% of your average daily base pay
What is the benefit waiting period?
Seven consecutive calendar days, the first week of leave
Are the benefit payments taxable?
Yes.
Meteorology and Source of
Support (SOS) Workgroups
Who’s eligible?
• New Hires after 90 days of employment
• Part-time Employees must work an average of at least 10 hours per week in
the six months leading up to the date of disability
• Full-time Employees must work an average of at least 20 hours per week in
the six months leading up to the date of disability
What are the weekly benefit payments?
Week two to 90
th
day on leave: 60% of your average daily base pay as of
the date of disability
1
What is the benefit waiting period?
Seven consecutive calendar days, the first week of leave
Are the benefit payments taxable?
Yes.
1
The short-term disability benefit for eligible Employees based in California, New Jersey, New York, Rhode Island, Hawaii,
and Puerto Rico may dier due to certain state-provided disability benefits.
Health
Contacts
26
BenefitsPlus Program
Regular Plan Program
Other Benefits
26
Long-Term Disability (LTD)
LTD pays you a portion of your income for a limited time if you experience a serious, long-term injury or
illness that causes you to miss work for an extended period.
You’re automatically enrolled in basic LTD coverage at no cost to you. You can also elect optional LTD coverage through the
taxable benefit or non-taxable benefit. You can view the rates for each option in the online enrollment tool, WorkPerks.
Basic
Optional
taxable benefit
Optional
non-taxable benefit
Who’s eligible?
All Employees except Pilots
1
Do I pay for coverage? No
Yes,
with after-tax paycheck
deductions
Yes,
with after-tax paycheck
deductions
What is the monthly
benefit?
2
40% of base monthly pay
3
60% of base monthly pay
3
60% of base monthly pay
3
What is the minimum
monthly benefit?
10% of gross benefit or $100,
whichever is greater
10% of gross benefit or $100,
whichever is greater
10% of gross benefit or $100,
whichever is greater
What is the maximum
monthly benefit?
$10,000 $10,000 $10,000
What is the benefit
waiting period?
Noncontract, Meteorology,
and SOS Employees:
90 days
All other Employees:
180 days
90 days 90 days
Are the benefit
payments taxable?
Yes A portion is taxable No
1
Pilots are covered by a separate Loss of License Plan. See Pilot Loss of License Summary Plan Description for details on SWALife >Life & Career >Employee
Services >Health Benefits (WorkPerks) >Access Health Benefits (WorkPerks) >Reference Center >Pilots Loss of License.
2
Benefit is reduced by income from other sources.
3
For definitions of eligibility and base monthly pay, visit the definitions section of the appropriate programs certificate, which can be located on SWALife >Life &
Career >Employee Services >Health Benefits (WorkPerks) >Access Health Benefits (WorkPerks) >Reference Center >Disability Benefits.
Health
Contacts
27
BenefitsPlus Program
Regular Plan Program
Other Benefits
27
Related benefits
You have more benefits in the event
of an accident that involves a seat belt,
airbag, or workplace felonious assault.
Special reimbursements are available to
help pay for childcare centers, child education,
and spouse/committed partner education.
Employees enrolled in AD&D insurance coverage also
have travel assistance at no extra cost through AXA
Assistance USA, Inc. When you travel more than 100
miles away from home, you have access to a full-time
concierge service to help you and your family with
certain travel, financial, and medical services, 24/7.
For more details and to print an ID card, go to
SWALife >Employee Services >Benefits & Perks
>Travel Insurance and Commuter Transit.
Accidental Death and
Dismemberment (AD&D)
AD&D insurance pays a benefit if you or a covered family member dies or suers an
injury in an accident. You can purchase this insurance, before-tax, to help protect you
and your family from financial hardship if the unexpected happens.
Monthly paycheck deductions
Employee only (per $1,000 of coverage)
• $.017 (up to 10 times Employee’s annual salary; maximum of $2,000,000)
Employee + family (per $1,000 of coverage)
• $.029 (up to 10 times Employee’s annual salary; maximum of $2,000,000)
Keep beneficiaries up to date!
It’s important to keep your beneficiaries up to date for AD&D insurance.
You can only add, remove, or change your beneficiaries online at
metlife.com/myBenefits.
Health
Contacts
28
BenefitsPlus Program
Regular Plan Program
Other Benefits
28
Life insurance
coverage
Life insurance, administered by MetLife, pays a benefit if you or a covered
family member dies. Basic life insurance is paid for by Southwest. You can
purchase additional coverage for yourself, your spouse/committed partner,
and your children.
Basic Life
Optional Life
(paid for by you)
Employee $50,000 One to 10 times your
annual base pay, up to
$2.95 million
See next page for your cost
for coverage.
Spouse/Committed
Partner
No coverage $10,000, $20,000, $30,000,
$50,000, $100,000,
$150,000, or $250,000
See next page for your cost
for coverage.
Children
1
No coverage $10,000 per child for a
monthly premium of $.53
$20,000 per child for a
monthly premium of $1.06
1
Eligible children include any children from at least 20 weeks gestation to age 26 who is a/an disabled child, foster child,
adopted child, or child living in your home as your grandchild, your stepchild, or the child of your spouse/committed
partner. Additional provisions with stillborn apply. Please see the Insurance Certificate on SWALife >Life & Career
>Employee Services >Health Benefits (WorkPerks) >Access Health Benefits (WorkPerks) >Reference Center >Life
Insurance and Accidental Death and Dismemberment.
Keep beneficiaries
up to date!
It’s important to keep your beneficiaries up
to date for life insurance. You can only add,
remove, or change your beneficiaries online
at metlife.com/myBenefits.
Important note
Do not pay for benefits that you will not be
able to use! Paycheck deductions for child life
insurance do not stop automatically when your
child turns 26. However, the coverage does stop
even if deductions continue to be taken from your
paycheck. Review your insurance coverage and be sure
to drop coverage if your child(ren) are older than 26. A
third party provides child life insurance coverage, and
refunds will not be issued.
If you elect certain levels of life insurance, you may be required to complete a statement of
health (SOH) form after your election. If you increase life insurance coverage at a later date for
yourself or your spouse/committed partner, you will be required to complete a new SOH form
at that time.
Health
Contacts
29
BenefitsPlus Program
Regular Plan Program
Other Benefits
29
Example
Age
45
Employee optional life
paycheck deduction
(per $1,000)
$.057
Salary
$50,000
Optional life
insurance election
10 times salary
Optional life insurance
coverage amount
$500,000
($50,000 times 10)
Employee optional life
paycheck deduction
(per month)
$28.50
($500,000 divided
by $1,000=500;
500 times $.057)
Monthly cost for
life insurance coverage
Here’s what you’ll pay for optional and spouse/committed
partner life insurance.
Age band
Employee coverage
(per $1,000 of coverage)
Spouse/committed
partner coverage
(per $1,000 of coverage)
<25 $.025 $.042
25–29 $.025 $.042
30–44 $.032 $.053
45–49 $.057 $.095
50–54 $.089 $.147
55–59 $.165 $.273
60–64 $.287 $.473
65–69 $.555 $.914
70+ $.892 $1.47
Calculating your cost
Here’s how to calculate the monthly cost for optional life
insurance based on the deductions per $1,000 of coverage
to the left.
Health
Contacts
30
BenefitsPlus Program
Regular Plan Program
Other Benefits
30
Medical
If you choose the Regular Plan Program, you get automatic medical coverage.
There is a provider network in the Regular Plan, but it works dierently in some ways than the provider
network in BenefitsPlus. For example, your benefits coverage is 80% in the Regular Plan whether you see
a network provider or an out-of-network provider. But, like BenefitsPlus, if you see an out-of-network
provider, you are financially responsible for any amounts the provider may charge in excess of the amount
paid by the Regular Plan. This is called “balance billing,” but it can be avoided by using network doctors,
hospitals, and facilities. Use your medical plan administrator’s website to determine if your physician,
hospital, or other provider is in-network, or call your administrator.
Here’s a look at what you pay when you need care.
Regular Plan
Annual deductible
1
Individual
$200
Family
$300
Coinsurance 20%
Preventive care Not covered
Newborn care Not covered
Infertility treatment Not covered
Mental, emotional, behavioral, and
chemical abuse/dependency benefits
Preauthorization is required for many services,
treatments, and hospital stays.
2
20%
(both inpatient and outpatient)
Annual out-of-pocket maximum
3
$2,500
Lifetime maximum No limit
1
Eligible charges incurred in October, November, and December that count against the deductible will also be applied
to the deductible for the following year.
2
Refer to the Summary Plan Description on SWALife >Life & Career >Employee Services >Health Benefits (WorkPerks)
>Access Health Benefits (WorkPerks) >Reference Center >Legal Documents for preauthorization rules.
3
In the Regular Plan, you may be required to pay any amount that exceeds the eligible charge, as determined by the
claims administrator, even after you reach your annual out-of-pocket maximum.
Words
to know
Annual deductible
The amount you pay before
Southwest starts sharing costs with you.
Coinsurance
The percentage you pay after meeting your
deductible; preauthorization is required for many
services, treatments, and stays.
2
Annual out-of-pocket maximum
The most you’ll pay for eligible expenses in
a plan year.
Lifetime maximum
The most you’ll pay for medical services in
a lifetime.
Health
Contacts
32
BenefitsPlus Program
Regular Plan Program
Other Benefits
32
Prescription drugs
The Regular Plan includes prescription drug coverage administered by CVS Caremark.
Here’s what you’ll pay for prescription drugs.
Regular Plan
Annual deductible
Individual
$200
Family
$300
Coinsurance or copay
Generic
0%
after deductible
Preferred brand
20%
after deductible
Non-preferred brand
20%
after deductible
Specialty drug (30-day only)
20%
after deductible
Diabetic testing supplies
20%
after deductible
Infertility
Not covered
What you need to know
• There is no prescription drug coverage if you fill at an
excluded pharmacy, like Walgreens. To find a pharmacy,
visit caremark.com and use the Pharmacy Locator tool.
• If you take a maintenance medication, you may purchase a
90-day supply at a CVS retail pharmacy or through CVS
mail order. Or, if you wish to use another of the 58,000+
pharmacies in the network, you can fill a 30-day supply.
If you choose to refill every month, it will probably cost a
little more for the smaller volume prescription. Go to
caremark.com or call (800) 378-0755 for more details.
• Get the app! Download the CVS Caremark app to find
pharmacies, refill or request new prescriptions, track your
orders, view your prescription history, and more.
Health
Contacts
33
BenefitsPlus Program
Regular Plan Program
Other Benefits
33
Monthly cost
for medical coverage
Your cost for medical coverage under the Regular Plan is deducted from your
paycheck on a before-tax basis. This lowers your taxable income, saving you money.
Finding an in-network provider
If Cigna is your administrator, you can find in-network providers here.
If Aetna is your administrator, you can find in-network providers here.
ID cards
Keep an eye out for medical ID cards that will be sent to your permanent
residence (as it’s listed on SWALife >Life & Career >Employee Services
>About Me).
Regular Plan
Full-time Part-time
Employee Only $0.00 $0.00
Employee + Spouse $0.00 $708.55
Employee + Children $0.00 $495.99
Employee + Family $0.00 $1,204.53
Health
Contacts
34
BenefitsPlus Program
Regular Plan Program
Other Benefits
34
Livongo
Livongo is available at no cost to Employees and
their covered dependents that meet the program’s
criteria and are enrolled in the BenefitsPlus
Program (Choice Plus Plan, Choice Plan C, and
Health Savings Plan) or Regular Plan Program. All
other medical plans are not eligible to participate.
Livongo provides you with tools, insights, and
expert support to help you reach your health
goals. There are two main areas where Livongo
can support:
• Healthy living and diabetes prevention
• Diabetes management
With Livongo all participants will have
access to:
• Technology: Track and manage health on the go by
automatically logging data in a private dashboard and
easy-to-use app.
• Personalized insights: Get real-time tips and
personalized feedback to help learn and improve.
• Expert coaching: Talk to a Livongo health coach for
advice on nutrition, weight loss, and more, whenever
extra support is needed.
Depending on the selected program,
you will also have access to the following
additional benefits at no cost:
Healthy living and diabetes prevention includes:
• smart scale,
• unlimited coaching, and
• guidance on healthy habits
Diabetes management includes:
• unlimited test strips,
• a connected blood glucose meter, and
• personalized insights
Programs include trends and support on
participant’s secure Livongo account and mobile
app but do not include a tablet or phone.
Get started
Contact Livongo at (800) 945-4355 or visit
go.livongo.com/SWA/now, registration code
is SWA.
Talk to a nurse
Evie Newton, our Dedicated Nurse, is
available Monday-Friday from 8 a.m.
to 5 p.m. CT at (214) 792-7986 or
evie.newton@wnco.com. Evie’s goal
is to provide preventive and general
health education to you and your family
members. She provides consultation to
assess and refer you to the appropriate
resources as needed. Additional
information about Evie and other physical
health resources may be found on
SWALife >Employee Services.
Support for your health
Health
Contacts
35
BenefitsPlus Program
Regular Plan Program
Other Benefits
35
Dental
When you enroll in the Regular Plan, you and your family members are automatically
enrolled in basic dental coverage through Delta Dental. You can get care from any
dentist you choose, but you’ll save money if you stay in-network. Here’s a look at how
the plan works.
Dental
Annual deductible
$50 per person
What the plan pays
Annual maximum benefit
$1,000 per person
Preventive treatment
(e.g., cleanings, oral exams, X-rays two times a year)
No deductible, and costs do not apply to your deductible or annual
maximum benefit
100%
Dental sealants
No deductible
Not covered
Basic treatment
(e.g., tooth extractions, root canals)
After deductible
75%
Major treatment
(e.g., crowns, bridges, dentures)
After deductible
60%
Orthodontia
Braces for all ages
60% up to a lifetime maximum benefit
of $1,000 per person
Special services
(e.g., impacted wisdom teeth)
No deductible and does not apply to your annual maximum benefit
80%
Note: Amount only includes covered charges. Refer to Dental Program (Section 7) of the Summary
Plan Description for a list of covered charges.
Health
Contacts
36
BenefitsPlus Program
Regular Plan Program
Other Benefits
36
Monthly cost for
dental coverage
Finding an
in-network provider
Visit deltadentalins.com/southwest or call
(866) 204-5502 to find in-network providers.
ID cards
ID cards are not required for service; however, you
may print a paper Dental ID card by registering on
deltadentalins.com/southwest.
Dental
Full-time Part-time
Employee Only $0.00 $0.00
Employee + Spouse $0.00 $33.42
Employee + Children $0.00 $38.90
Employee + Family $0.00 $64.81
Health
Contacts
37
BenefitsPlus Program
Regular Plan Program
Other Benefits
37
Vision
You can elect vision
coverage through
EyeMed with a network
of providers and
vision care centers if
you’re in one of the
following work groups:
Aircraft Appearance
Technicians, Customer
Service Agents,
Dispatchers, Flight
Simulator Technicians,
Mechanics,
Pilots, Customer
Representatives,
Material Specialists,
and SOS.
Vision
What the plan pays
In-network Out-of-network
Exam with dilations
(as necessary; once every calendar year)
$10 copay per person Maximum of $39
Contact lens fit and follow-up
Standard contact lenses
$40 copay Not applicable
Premium contact lenses
10% o the retail price Not applicable
Contact lenses
(materials only; once every calendar year)
Conventional
$0 copay; $105 allowance paid by EyeMed;
15% o balance over $105
Any amount over the $105 allowance
Disposable
$0 copay; $105 allowance paid by EyeMed;
You pay any balance over $105
Any amount over the $105 allowance
Medically necessary
$0 copay; paid in full by EyeMed Any amount over the $210 allowance
Retinal imaging
Maximum of $39 Not applicable
Frames
(once every other calendar year)
$0 copay; $130 allowance paid by EyeMed;
20% o balance over $130
Any amount over the $45 allowance
Standard plastic lenses
(Once every calendar year)
Single vision, bifocal, trifocal, lenticular
$10 copay Any amount over the $40, $60,
or $80 allowance
Standard progressive lens
$75 Any amount over the $60 allowance
Laser vision correction
(LASIK or PRK from U.S. Laser Network)
15% o retail price
5% o promotional price
Not applicable
Health
Contacts
38
BenefitsPlus Program
Regular Plan Program
Other Benefits
38
Vision
Employee Only $4.46
Employee + Spouse $8.48
Employee + Children $8.94
Employee + Family $13.12
Finding an
in-network provider
Visit eyemedvisioncare.com/swa or call
(855) 219-4451 to find in-network providers.
Monthly cost for
vision coverage
Get Freedom Pass
and save!
Freedom Pass is now included with your vision
coverage from EyeMed! The program includes:
• No cost for any frame, any brand, and any
price point if purchased at Target Optical;
use code 755288 at the time of purchase.
• Use ContactsDirect.com and get $20 o
purchase and free shipping.
ID cards
It is not necessary to have an ID card to receive
services; however, EyeMed will provide each new
participant with two ID cards.
Health
Contacts
39
BenefitsPlus Program
Regular Plan Program
Other Benefits
39
Short-Term Disability
Noncontract, Meteorology, and Source of Support (SOS) Employees are automatically enrolled in
coverage at no cost. This coverage pays you a portion of your income for a limited time if you can’t work
because of an injury or illness.
Noncontract Employees
Who’s eligible?
• New Hires after 90 days of employment
• Part-time Employees must work an average of at least 10 hours per week in
the six months leading up to the date of disability.
• Full-time Employees must work an average of at least 20 hours per week in
the six months leading up to the date of disability.
What are the weekly benefit payments?
Payments begin after the waiting period and are:
• Weeks two though seven: 100% of your average daily base pay as of the
date of disability
1
• Week eight to 90
th
day on leave: 80% of your average daily base pay
What is the benefit waiting period?
Seven consecutive calendar days, the first week of leave
Are the benefit payments taxable?
Yes.
Meteorology and Source of
Support (SOS) Workgroups
Who’s eligible?
• New Hires after 90 days of employment
• Part-time Employees must work an average of at least 10 hours per week in
the six months leading up to the date of disability.
• Full-time Employees must work an average of at least 20 hours per week in
the six months leading up to the date of disability.
What are the weekly benefit payments?
Week two to 90
th
day on leave: 60% of your average daily base pay as
of the date of disability
1
What is the benefit waiting period?
Seven consecutive calendar days, the first week of leave
Are the benefit payments taxable?
Yes.
1
The short-term disability benefit for eligible Employees based in California, New Jersey, New York, Rhode Island, Hawaii,
and Puerto Rico may dier due to certain state-provided disability benefits.
Health
Contacts
40
BenefitsPlus Program
Regular Plan Program
Other Benefits
40
Long-Term Disability (LTD)
LTD is designed to provide salary replacement if you experience a serious, long-term injury
or illness that causes you to miss work for an extended period.
All Employees except Pilots have the option to purchase LTD insurance. Unlike the BenefitsPlus Program,
you are NOT automatically provided LTD in the Regular Plan Program.
Coverage level
What is the monthly benefit?
1
Customer Service, Ramp Operations, Freight, Provisioning, Customer Representatives
(includes Agents and Supervisors), Flight Attendants, Skycaps
50% of base monthly pay
3
All other eligible Employees
2
60% of base monthly pay
3
What is the minimum monthly benefit?
All other eligible Employees
2
$50 per month
What is the maximum monthly benefit?
Customer Service, Ramp Operations, Freight, Provisioning, Customer Representatives
(includes Agents and Supervisors), Flight Attendants, Skycaps
$3,000 per month
Flight Attendants
$5,000 per month
All other eligible Employees
2
$10,000 per month
What is the benefit waiting period?
Flight Attendants
180 days
All other eligible Employees
2
90 days
Are the benefit payments taxable? No
1
Benefit is reduced by income from other sources.
2
Pilots are covered by a separate Loss of License Plan. See Pilot Loss of License Summary Plan Description for details on SWALife >Life & Career >Employee
Services >Health Benefits (WorkPerks) >Access Health Benefits (WorkPerks) >Reference Center >Pilots Loss of License.
3
For definitions of eligibility and base monthly pay, visit the appropriate programs certificate, which can be located on SWALife >Life & Career >Employee Services
>Health Benefits (WorkPerks) >Access Health Benefits (WorkPerks) >Reference Center >Disability Benefits.
Your cost
for coverage
Rates for LTD coverage
are based on your base
monthly pay and your
job classification as of the
day before your disability.
You can find rates in the
online enrollment tool,
WorkPerks.
Health
Contacts
41
BenefitsPlus Program
Regular Plan Program
Other Benefits
41
Life insurance
Life insurance, administered by MetLife, pays a benefit if you or a covered family member dies.
Basic life insurance is paid for by Southwest. You can purchase additional coverage for yourself, your
spouse, and your children.
Basic Life Amount of coverage
Employee annual
base salary
Less than $10,000
$10,000
$10,000 but less than $15,000
$15,000
$15,000 but less than $20,000
$20,000
$20,000 but less than $30,000
$30,000
$30,000 and over
$50,000
Optional Life Amount of coverage
Employee
Pilots and Corporate Ocers
$50,000, $100,000, or $150,000
See next page for your costs
for coverage.
All other Employees
The same amount as your basic coverage
See next page for your costs for coverage.
Spouse $10,000
for a monthly paycheck deduction of $1.88
Children $5,000
per child for a monthly paycheck deduction of $0.30
If you enroll in this optional life insurance, you’ll automatically receive
Accidental Death and Dismemberment (AD&D) for yourself in the same
amount. The Employee + Family AD&D option is not available in this Program.
You may review your applicable monthly rates for AD&D insurance in the
online enrollment tool, WorkPerks.
Health
Contacts
42
BenefitsPlus Program
Regular Plan Program
Other Benefits
42
Monthly cost for life
insurance coverage
Here’s what you’ll pay for optional life insurance for yourself.
Age Band
Employee
(per $1,000 of coverage)
<25
$.052
25–29
$.052
30–44
$.059
45–49
$.094
50–54
$.136
55–59
$.238
60–64
$.400
65–69
$.757
70+
$1.207
Keep beneficiaries up
to date!
It’s important to keep your beneficiaries up
to date for life insurance. You can only add,
remove, or change your beneficiaries online
at metlife.com/myBenefits.
Important note
Do not pay for benefits that you
will not be able to use! Paycheck
deductions for child life insurance
do not stop automatically when your
child turns 26. However, the coverage does
stop even if deductions continue to be taken from
your paycheck. Review your insurance coverage and be
sure to drop coverage if your child(ren) are older than 26.
A third party provides child life insurance coverage, and
refunds will not be issued.
If you elect certain levels of life insurance, you may be required to complete
a statement of health (SOH) form after your election. If you increase life
insurance coverage at a later date for yourself or your spouse, you will be
required to complete a new SOH form at that time.
Health
Contacts
43
BenefitsPlus Program
Regular Plan Program
Other Benefits
43
Accidental
Death and
Dismemberment
(AD&D)
AD&D insurance pays a benefit if you die or suer an injury
in an accident. If you enroll in optional life insurance, you
automatically receive optional AD&D insurance for yourself
in the same amount. You can’t enroll in AD&D coverage for
your spouse or children.
Keep beneficiaries up to date!
It’s important to keep your beneficiaries up to date for AD&D insurance.
You can only add, remove, or change your beneficiaries online at
metlife.com/myBenefits.
Eective the day you turn 70 years of age, the coverage amount for the
applicable accidental death and dismemberment will be automatically
reduced by 50%, and your deductions adjusted accordingly.
Basic AD&D Amount of coverage
Employee annual
base salary
Less than $10,000
$10,000
$10,000 but less than $15,000
$15,000
$15,000 but less than $20,000
$20,000
$20,000 but less than $30,000
$30,000
$30,000 and over
$50,000
Optional AD&D Amount of coverage
Employee
The same amount as your optional life
insurance coverage
Your cost for coverage
Rates for optional AD&D insurance can be found
on the online enrollment tool, WorkPerks.
Health
Contacts
44
BenefitsPlus Program
Regular Plan Program
Other Benefits
44
RETIREMENT BENEFITS
401(k)
No matter where you are in life, it’s
never too early to start preparing for
your future.
To help, Southwest oers a 401(k) plan.
Employees are eligible to participate in the
Southwest Airlines Co. 401(k) Plan any time
on or after the first of the month following 30
consecutive days of service. New Hires and
rehires are automatically enrolled in the 401(k)
plan at a 3% contribution rate. Unless you
make an active election for another investment
option, the contributions are invested in the
Target Retirement Trust that is closest to your
assumed age 65 retirement date.
Contributions
You may contribute 1% to 50% of your eligible earnings to the 401(k) plan on a before-tax or
Roth after-tax basis. The IRS sets limits on the amount you may contribute each year. For 2022,
1
the limits are:
• $20,500 for total pre-tax and Roth after-tax contributions, if you are under age 50.
• An additional $6,500 for catch-up contributions, if you are at least age 50 or older during the 2022 plan year.
Before-tax and Roth contributions
Before-tax contributions are withheld from your eligible earnings before federal income tax
and state taxes (if applicable) are deducted from your paycheck. You pay taxes on before-tax
contributions when you take a distribution.
Roth
2
contributions are withheld from your eligible earnings after federal income taxes and
state taxes (if applicable) are deducted from your paycheck. If you meet certain age and holding
period requirements, distributions of Roth contributions are tax-free.
Company Match
The 401(k) plan oers a generous dollar-for-dollar match up to 9.3% of your eligible earnings.
Both Roth after-tax contributions and before-tax contributions are eligible for the 401(k)
Company Match. Southwest makes all Company contributions on a before-tax basis. You can
find more information about your 401(k) on SWALife >Employee Services >Benefits & Perks
>401(k) Plan or at freedomtoretire.com.
If you are a Pilot
You are covered under a separate retirement savings
plan administered by SWAPA. If you have questions
about your plan, contact SWAPA at (800) 969-7972
or reach out to Schwab Participant Services at
(800) 724-7526, 7 a.m. to 11 p.m. CT, Monday-Friday.
1
Limits are set by the IRS and are subject to change annually. If you work in Puerto
Rico, your contributions limits may be dierent.
2
Roth contributions are not available if you work at SJU.
See more.
Health
Contacts
46
BenefitsPlus Program
Regular Plan Program
Other Benefits
46
RETIREMENT BENEFITS
401(k) (continued)
Investments
The plan oers you the flexibility to choose from a diverse selection of core
investment options as well as Target Retirement Trusts and a self-directed
brokerage window.
Rollovers
If you have qualified retirement accounts from a previous employer, you may be
able to rollover those funds to your Southwest Airlines Co. 401(k) account. For
more information about initiating a rollover, contact Empower Retirement at
(866) 588-2728.
Vesting
Vesting is a term that describes ownership of your account. You are always
100% vested in your 401(k) contributions (before-tax and Roth after-tax) as well
as the earnings on your contributions. The 401(k) Company match vests at a rate
of 20% per year for five years. To meet each year’s vesting requirement, you
must be credited with at least 1,000 hours during the year. You are credited
with 190 hours of service for each month in which you complete at least one
hour of service (or one trip, in the case of Flight Attendants). Therefore, six
months of service are typically required to receive vesting credit for each year
(190 x 6 = 1,140).
Get personalized
retirement planning
guidance
Shar-Né Warren is a Retirement Plan Counselor with
Empower Retirement. Shar-Né’s goal is to help you feel
more empowered to make informed financial decisions
by understanding the short-term and long-term eects.
She can help you strategize steps to achieve your financial
goals. If you have questions or would like to set up
a one-on-one meeting, you can email her at
SharNe.Warren@empower.com. Shar-Né is
available Monday-Friday, from
9 a.m. to 5 p.m. CT.
Personal interactions with Shar-Né
are completely confidential.
Health
Contacts
47
BenefitsPlus Program
Regular Plan Program
Other Benefits
47
RETIREMENT BENEFITS
ProfitSharing
Plan
We want to share success with our Employees. That’s why
we oer the ProfitSharing Plan, which rewards you for
your contributions to Southwest’s profitability.
Contribution eligibility
To receive a contribution, you must be credited with 1,000 vesting hours
during the plan year. You are credited with 190 hours of service for each
month in which you complete at least one hour of service (or one trip, in the
case of Flight Attendants and Pilots). Therefore, you must work at least one
day in six dierent months to receive the 1,000-hour credit needed to be
eligible for a contribution.
Investments
The investment options in the ProfitSharing plan mirror those in the Southwest
Airlines 401(k) plan. Additionally, the ProfitSharing plan includes the Southwest
Airlines Company Stock Fund as an investment option.
Vesting
Vesting is a term that describes ownership of your account. You become vested
in the Employer contributions to the ProfitSharing plan at a rate of 20% per plan
year in which you accumulate 1,000 vesting hours.
You can find more information about ProfitSharing on SWALife >Employee
Services >Benefits & Perks >ProfitSharing or at freedomtoretire.com.
Eligibility
You are eligible to participate in the ProfitSharing plan on your hire date.
Health
Contacts
48
BenefitsPlus Program
Regular Plan Program
Other Benefits
48
Eligibility
Employees are eligible to participate in the ESPP
after six months of continuous service (special rules
may apply).
INVESTMENT BENEFIT
Employee Stock Purchase Plan (ESPP)
With the ESPP, Employees can purchase Southwest Airlines common stock through payroll deductions
at a 10% discount from the stock’s fair market value on the purchase date.
Fidelity Investments® is our plan administrator for the ESPP. All ESPP activity (enrolling, changing, or stopping your payroll deduction)
is managed directly with Fidelity. It is important to consider tax implications before enrolling in the ESPP. Consult your tax advisor to
determine if the ESPP is right for you.
Accessing Fidelity
To participate in the ESPP, enroll through Fidelity’s website netbenefits.com.
If you are new to Fidelity, click the Register as a new user link and follow the step-
by-step instructions to establish your username and password, open your Fidelity
account, and enroll in the ESPP by entering the amount you would like deducted
from each paycheck. Please note, phone enrollment is not allowed.
If you already have an existing individual brokerage account with Fidelity, log in
to Fidelity’s website, and click the Enroll link within the “Employee Stock Purchase
Plan” section to enter the amount you would like deducted from each paycheck.
You can manage changes to your payroll deduction using Fidelity’s website,
netbenefits.com, or you can speak to a Fidelity Representative at (800) 544-9354
between the hours of 5:00 p.m. Sunday and midnight Friday ET (excluding New
York Stock Exchange holidays).
You can find more information about the ESPP on SWALife >Employee Services
>Benefits & Perks >Employee Stock Purchase Plan (ESPP).
Note: Puerto Rico residents are subject to the Puerto
Rico Internal Revenue Code and urged to consult their
tax advisor regarding the particular tax consequences of
participating in the ESPP.
Health
Contacts
49
BenefitsPlus Program
Regular Plan Program
Other Benefits
49
Time O
Comprehensive program for Employees to relax and recharge, or take time o when needed.
Noncontract Employees
• Paid time o (PTO) see chart below
• Day 1: Receive 20 hour PTO allotment
• Day 61: Regular accruals begin
• Holidays
• 10, includes one floating holiday to use when you please
• Short-term disability
• One week waiting period
• Pays 100% for weeks two through seven
• Pays 80% for weeks eight through 90th day on leave
• Company-paid parental leave
• 90 day waiting period to be eligible
• Six weeks within 12 months of birth/adoption
• Long-term disability
Contract Employees
Those covered by a collective bargaining agreement (CBA).
• Vacation - varies by contract
• Sick time - varies by contract
• Holiday pay - varies by contract
• Short-term disability - varies by contract
• Long-term disability - varies by contract and program election
• Loss of License - Pilots only
PTO Monthly Accrual
In hours
PTO 12-Month Accrual
In hours
PTO Accrual Cap
In hours
Hire Date 10.00 (~1.25 days*) 120(~15 days*) 184 (~23 days*)
1
st
Anniversary 10.67 (~1.33 days*) 128 (~16 days*) 192 (~24 days*)
2
nd
Anniversary 11.33 (~1.42 days*) 136 (~17 days*) 208 (~26 days*)
3
rd
Anniversary 12.00 (~1.50 days*) 144 (~18 days*) 216 (~27 days*)
4
th
Anniversary 12.67 (~1.58 days*) 152 (~19 days*) 232 (~29 days*)
5
th
Anniversary 13.33 (~1.67 days*) 160 (~20 days*) 240 (~30 days*)
10
th
Anniversary 16.67 (~2.08 days*) 200 (~25 days*) 304 (~38 days*)
18
th
Anniversary 20.00 (~2.50 days*) 240 (~30 days*) 360 (~45 days*)
Health
Contacts
BenefitsPlus Program
Regular Plan Program
Other Benefits
50
Travel privileges
As a Southwest Employee, you are eligible for many travel perks
including flight privileges, discounts on parking, rental cars, cruises, and
more, along with travel support when you’re away from home.
Eligibility
You
If you are an active full-time or part-time Employee, you are eligible for unlimited, fee-waived,
space-available travel on any Southwest flight.
1
Eligibility begins on the first day of employment.
Once you have been employed for six months with Southwest Airlines, you and your eligible
travelers may purchase nonrevenue, standby travel on other airlines that we have agreements
with through myIDTravel.
Travelers of Employees
Unlimited space-available travel privileges on all Southwest Airlines operated routes
2
are
available to your Eligible Travelers as soon as your documentation and eligibility are verified
and loaded into the system (typically less than 30 days once submitted). The following Eligible
Travelers are validated electronically through the Travel Services database:
• Spouses
• Eligible dependent children
• Parents
No exceptions can be made for individuals who do not fall into one
of these categories
• Committed/registered partners
• Retirees
• Travel companions
1
Refer to the Employee Travel Privilege Policies for additional information (including
eligibility requirements and possible tax consequences) for dependent children,
committed/registered partners, and travel companions.
2
Travel to/from Cuba is not permitted due to government regulation.
Health
Contacts
51
BenefitsPlus Program
Regular Plan Program
Other Benefits
51
TRAVEL PRIVILEGES
Car, shuttle, and parking discounts
Check out these discounts that are available to you when you travel.
The Parking Spot
The Parking Spot oers Southwest Employees
deep discounts at convenient locations system
wide. Be sure to sign up using Corporate Account
Code Sout0138 and download the mobile app to
earn points on your next stay!
Learn more at SWALife >Travel (Main) >Leisure
Travel Discounts >Ground Transportation >Cars,
Shuttles & Parking.
Rental cars
Book your next rental car on southwest.com/luvcar
to have discounts applied directly and receive 600
Rapid Rewards Points. This also contributes to our
ProfitSharing!
These rates are for the Employee only and cannot
be shared with friends or family.
Discount Code
Avis
Up to
25% o
AWD:
A394800
Budget
Up to
20% o
BCD:
T504400
Dollar 10% o
Promo Code:
WN213
Hertz 5–15% o
CDP:
1858645
Thrifty 10% o
Promo Code:
WN213
Enterprise Corporate #: XZ09D07
National Account #: XZ09D07
Health
Contacts
52
BenefitsPlus Program
Regular Plan Program
Other Benefits
52
TRAVEL PRIVILEGES
Travel agency discounts
You can take advantage of substantial discounts available to the airline industry through our interline travel agencies.
Interline Travel Agencies
Interline Travel Agencies provide special discounted rates on a variety of all-
inclusive resorts, cruises/river cruises, hotel stays, car rentals, travel insurance,
and more! Be sure to visit these trusted vendors—Airway Vacations, ID90 Travel,
Perx.com, and Open Skies Interline Vacations—to learn more about their services
as well as special deals.
Health
Contacts
53
BenefitsPlus Program
Regular Plan Program
Other Benefits
53
TRAVEL PRIVILEGES
Travel support
Southwest oers many programs that can help when you’re away from home.
Transit program
If you use public transportation to get to work,
Health Equity (formerly WageWorks) allows you to
pay for your transit expenses through automatic,
before-tax paycheck deductions. You can also sign
up to get your transit pass delivered to your home
each month.
Learn more at getwageworks.com/southwest.
Travel abroad
vaccination
discounts
If you’re planning on traveling abroad where
vaccinations may be required, discounts are
available. You and your family members who are
enrolled in a medical plan with CVS Caremark
prescription coverage can receive up to 40% o
the wholesale price of the following vaccinations:
Japanese Encephalitis, Rabies, Yellow Fever,
Anthrax, and Typhoid (injection only).
Visit one of the locations within the CVS
broad vaccination network. (Go to
caremark.com/wps/portal for locations.)
Note: Not all pharmacies carry all vaccines. Contact
the pharmacy you intend to visit in advance to
make sure they have the vaccine you need. Then,
just show your CVS Caremark prescription drug
card. You’ll get the discount automatically at the
time of payment.
Know before you go! Visit wwwnc.cdc.gov/travel
to find out which vaccinations and proof of
vaccination you’ll need.
International
business travel
insurance
Employees traveling internationally on Company
business have access to an international travel service
plan that provides emergency and urgent medical
benefits and assistance through MetLife Expatriate
Benefits. For more details go to SWALife >Employee
Services >Benefits & Perks >Travel Insurance and
Commuter Transit.
Here’s the plan info you’ll need to know:
• Member Services: (302) 661-8400 (reverse charges
accepted) 24 hours a day, 7 days a week
• Group Name: Southwest Airlines Co.
• Policy Number: IBTM003941
• Eective Date: Jan. 1, 2015
• Website: MetLifeWorldwide.com
• Click “eBenefits Login.”
• Click the “IBTM Login” button.
• Acknowledge the terms and conditions and click “Save.”
• Click the “Submit Claims” link to initiate the claim
submission process.
Health
Contacts
54
BenefitsPlus Program
Regular Plan Program
Other Benefits
Clear Skies Employee
Assistance Program (EAP)
Our EAP, Clear Skies, provides many services for you and your family members.
It is a confidential resource provided at no cost to you.
Call (800) 742-8911 or
visit swaclearskies.com
for more information.
The EAP can
help with:
• Managing everyday
challenges or serious
problems
• Finding a better work-life
balance
• Learning better time
management
• Finding childcare options,
locating housing, or care for
an aging parent
• Finding pet sitters
• Managing a chronic illness
• And more!
What you have access to through CuraLinc
In-person counseling and telebehavioral
counseling oering
• Licensed professionals: More than 25,000 U.S. providers and
more than 24,000 global providers, including marriage and
family therapists, counselors, and social workers
• Provider diversity: Find the right fit by age, race, gender
identity, LGBTQ+ status, or religion
• Evidence-based practices: Therapy with a solution focus,
cognitive behavior therapy, and mindfulness-based therapy
Text therapy
Simply create a profile and choose your focus area to
match with a coach and begin texting immediately.
Digital behavioral health (dCBT)
Find evidence-based content and practical resources that
can help foster meaningful behavior change. Use it as a
stand-alone method or as an in-treatment resource.
Coaching
Accredited coaches and licensed counselors are available
to help you maximize your wellbeing through:
Interactive toolkits
Find information and resources about:
• Meditation • Sleep fitness • Mindfulness
• Meditation and mindfulness
• Sleep fitness
• Mental health first aid
• Resiliency
• Dependent care
• Retirement coaching
• Legal issues
• Financial issues
• Identity theft
• And more!
Work-life benefits
Get unlimited expert consultations and referrals for:
Amy Swetnam, our Employee Assistance Professional,
is available Monday-Friday from 9 a.m. to 5 p.m. CT
at amy.swetnam@wnco.com. As a licensed mental
health professional, her goal is to provide mental
health education and support to you and your
family members. She can provide consultation to
assess and refer you to the appropriate resources as
needed. Additional information about Amy and other
mental health resources may be found on SWALife
>Employee Services.
Health
Contacts
55
BenefitsPlus Program
Regular Plan Program
Other Benefits
55
Other
perks
Southwest oers additional
benefits that can help you in many
life circumstances.
Auto and home
insurance
If you’re enrolled in the BenefitsPlus Program,
you can purchase auto and home insurance
through Farmers Insurance Auto & Home at
discounted rates with payroll deductions. Contact
Farmers Insurance at (800) 422-4272 to request
quotes and enroll anytime during the year. Home
insurance is not available to Employees living in
Florida, Massachusetts, and Puerto Rico.
See more.
Pet insurance
If you’re enrolled in the BenefitsPlus
Program, you can purchase pet insurance through
Nationwide Pet Insurance with payroll deductions
to cover your pet’s wellness care needs and
significant medical incidents. Contact Nationwide
Pet Insurance at (877) 738-7874 for more
information or go to benefits.petinsurance.com/
southwest to enroll anytime during the year.
Health
Contacts
56
BenefitsPlus Program
Regular Plan Program
Other Benefits
56
Other perks (continued)
Power of attorney
If you want to grant rights authorizing another
person to act for you regarding Southwest’s
ProfitSharing, 401(k) plans, and health plan, you
must complete the Southwest Airlines Co. Limited
Form Power of Attorney for Employee Benefits.
The form may be found on SWALife >Employee
Services >My Life Events >Preparing for Your or
Your Loved One’s End of Life.
Will preparation
MetLife provides a will preparation service at no
additional cost to Employees enrolled in optional
life insurance. This service covers attorney fees
for preparing and updating a will when using a
participating attorney. To find out more about
this service, contact MetLife Legal Plans Inc., at
(800) 821-6400 (use group number “96676”).
Protect yourself
and your family
Be sure to review your current income protection
elections, including critical illness, supplemental
hospital, long-term disability, and accidental death
and dismemberment (AD&D) insurance. You’ll
want to have enough coverage next year to protect
against a loss of income if you become injured or ill
and aren’t able to work. Annual enrollment is your
opportunity to add or change these coverages.
Prepare for the
unexpected
Visit SWALife >Employee Services >My Life
Events >Preparing for Your or Your Loved One’s
End of Life for information on resources like will
preparation and accelerated benefit options, as well
as what to do in the event of a death in your family.
Be sure to tell your family where all your important
paperwork and passwords are located and to
contact your Leader in the event of your death so
they can get the support and resources they need
from Southwest.
Health
Contacts
57
BenefitsPlus Program
Regular Plan Program
Other Benefits
57
Contacts
Administrator name Phone number Website or email
Health & welfare benefit plans
Medical Cigna (888) 588-4792 myCigna.com
Mobile app: myCigna
Aetna (833) 361-0227
aetna.com
Mobile app: Aetna Health
Prescription and specialty drugs
CVS Caremark (800) 378-0755
caremark.com
Mobile app: CVS Caremark
HI—HMSA PPO—Medical and Prescription HMSA (800) 776-4672 hmsa.com
HI—Kaiser HMO—Medical and Prescription Kaiser Permanente Oahu: (800) 432-2000
Maui/Molokai/Lanai: (808) 243-6000
Hawaii Island: (808) 334-4400
Kauai: (808) 246-5600
kp.org
SFO—Kaiser HMO—Medical and Prescription Kaiser Permanente (800) 464-4000 kp.org
SJU—Medical and Prescription Triple S (800) 981-3241 ssspr.com
Dedicated Nurse
Evie Newton (214) 792-7986 evie.newton@wnco.com
Concierge service
Alight (855) 769-4383
member.alight.com
answers@compassphs.com
Telemedicine
Teladoc (888) 368-8799
teladoc.com/southwest
Mobile app: Teladoc
Health
Contacts
59
BenefitsPlus Program
Regular Plan Program
Other Benefits
59
Contacts (continued)
Administrator name Phone number Website or email
Health & welfare benefit plans (continued)
Quit For Life Tobacco Cessation Program Optum (866) 784- 8454 quitnow.net
Livongo Diabetes and Weight Management Program Livongo (800) 945-4355 go.livongo.com/SWA/now
Registration code SWA
Health Savings Account (HSA)
Empower HSA administered
by Optum Bank
(800) 331-5455
freedomtoretire.com
Flexible Spending Accounts (FSA) —
Healthcare and Dependent Care
MyChoice (317) 333-6618 SWALife >Life & Career >Employee
Services >Health Benefits (WorkPerks)
>Access Health Benefits (WorkPerks)
Dental Delta Dental (866) 204-5502 deltadentalins.com/southwest
Mobile app: Delta Dental Mobile
Vision EyeMed Vision Care (855) 219-4451 eyemedvisioncare.com/swa
Mobile app: EyeMed Members
Supplemental Hospital Plan CHUBB (800) 964-7096 enrollment.visit-aci.com/southwest
Critical Illness, AD&D, and Life Insurance
MetLife
(888) 275-0865 metlife.com/myBenefits
6060
Contacts
BenefitsPlus Program
Regular Plan Program
Other Benefits
Contacts (continued)
Administrator name Phone number Website or email
Health & welfare benefit plans (continued)
Short-Term Disability (Noncontract, Meteorology,
and SOS Employees only)
Long-Term Disability (LTD)
Lincoln Financial
(800) 213-5549 mylincolnportal.com
Company code: SWALOVE
Clear Skies Employee Assistance Program (EAP) CuraLinc (800) 742-8911 swaclearskies.com
Mobile app: eConnect
Username: clearskies
Employee Assistance professional Amy Swetnam (214) 792-5528 amy.swetnam@wnco.com
Retirement benefit plans
Employee Stock Purchase Plan (ESPP)
Fidelity
(800) 544-9354 netbenefits.com
Retirement—401(k) and ProfitSharing
Empower
(866) 588-2728
(866) LUV-2SAV
freedomtoretire.com
Retirement plan counselor
Shar-Né Warren N/A
SharNe.Warren@empower.com
Contacts
BenefitsPlus Program
Regular Plan Program
Other Benefits
6161
Contacts (continued)
Administrator name Phone number Website or email
Travel support
Commuter program
HealthEquity (formerly WageWorks)
(877) 924-3967 wageworks.com/southwest
Travel assistance
(BenefitsPlus Program; if enrolled in AD&D)
AXA Assistance USA, Inc. Within the US:
(800) 454-3679
Outside the US:
(312) 935-8783
metlife.com/travelassist
Login: axa
Password: travelassist
International business travel
(Business travel only)
MetLife
(302) 661-8400
Policy number: IBTM003941
MetLifeWorldwide.com
Other perks
Auto & home insurance
Farmers Insurance
(800) 438-6381
N/A
Pet insurance
(BenefitsPlus Program)
Nationwide Pet Insurance
(877) 738-7874 benefits.petinsurance.com/southwest
Will preparation
(if enrolled in Optional Life)
MetLife Legal Plans, Inc.
(800) 821-6400
Group number: 96676
legalplans.com
Log in to SWALife >Life & Career >Employee Services >Health Benefits
(WorkPerks) >Access Health Benefits (WorkPerks) to chat or email your
Benefits Experts.
Call (877) 792-4792 Monday-Friday 7 a.m. to 7 p.m. CT and say “benefits”
or press 2, then say “health and wellness” or press 1.
Learn more about your
Southwest benefits.
Health
Contacts
62
BenefitsPlus Program
Regular Plan Program
Other Benefits
62
By using plan benefits and coverage, and making elections (either online or default
elections):
(1) You and your family members agree to all relevant plan provisions and applicable
laws, and
(2) You authorize Southwest Airlines to reduce your wages by the amount appropriate
to your chosen benefits (including your default elections).
LEGAL NOTICE: REGULAR PLAN BENEFIT PROGRAM IS A “GRANDFATHERED
HEALTH PLAN”
The Southwest Airlines Co. Welfare Benefit Plan believes the medical portion of the
Regular Plan Program is a “grandfathered health plan” under the Patient Protection
and Aordable Care Act (the “Aordable Care Act”). As permitted by the Aordable
Care Act, a grandfathered health plan can preserve certain basic health coverage
already in eect when that law was enacted. Being a grandfathered health plan
means that coverage under the Regular Plan Program may not include certain
consumer protections of the Aordable Care Act that apply to other plans, such as the
BenefitsPlus Program, for example, the requirement for the provision of preventive
health services without any cost-sharing. But grandfathered health plans must
comply with certain other consumer protections in the Aordable Care Act, such as
eliminating of lifetime limits on benefits. Questions about which protections apply to
a grandfathered health plan and what might cause a plan to change from
grandfathered health plan status can be directed to your Benefits Experts by calling
(877) 792-4792 and saying “benefits” or select option 2, then saying “health and
wellness.” You may also contact the Employee Benefits Security Administration, U.S.
Department of Labor at (866) 444-3272 or dol.gov/ebsa/healthreform. This website
has a table summarizing which protections do and do not apply to grandfathered
health plans.
The fine print
SUMMARY OF BENEFITS AND COVERAGE
Your health benefits represent a significant component of your compensation package.
They also provide important protection for you and your family in the case of illness or
injury. The plan oers several health coverage options. Choosing a health coverage option
is an important decision. To help you make an informed choice, a Summary of Benefits and
Coverage gives vital information in a standard format for each option to help you compare
what is available to you. The Summary of Benefits and Coverage is available on the online
enrollment tool, WorkPerks. You may find it at SWALife >Life & Career >Employee
Services >Health Benefits (WorkPerks) >Access Health Benefits (WorkPerks)
>Reference Center >Legal Documents.
This benefits and perks guide is only a high-level summary. The Summary Plan Description
(SPD) provides more detailed information. It is available on SWALife >Life & Career
>Employee Services >Health Benefits (WorkPerks) >Access Health Benefits (WorkPerks)
>Reference Center >Legal Documents. If there is any inconsistency between this guide, the
SPD, or any other communication regarding the plan and the plan documents or insurance
certificates, then the plan documents or insurance certificates will control.
Paper copies of the Summary of Benefits and Coverage, plan documents, and insurance
certificates are available, free of charge, by requesting via email or chat while logged into
WorkPerks or by calling (877) 792-4792 and saying “benefits” or press 2, then saying
“health and wellness” or press 1.
You will find more details on your enrollment options by visiting SWALife >Life & Career
>Employee Services >Health Benefits (WorkPerks) >Access Health Benefits (WorkPerks).
For questions:
• Log in to WorkPerks to chat or email your Benefits Experts.
• Toll-free phone: (877) 792-4792 and say “benefits” or press 2, then say “health and
wellness” or press 1.
Self-identifying
Southwest Employees are encouraged to voluntarily self-identify their military, military
spouse, veteran, and disability status, even if that status is “I don’t have a disability.” We use
this information for government reporting purposes, which can help Southwest compete
for lucrative Government Contracts, and also to oer programs and support for Employees.
To voluntarily self-identify, visit SWALife >Life & Career >Employee Services >About Me
>Launch About Me >My Personal Info >Personal Profile and open the “Voluntary Self-
Identification of Disability Form.” The form gives some examples of medical conditions that
can be considered disabilities, and that can be helpful to you to know which selection to
make. If you need an accommodation to perform the required job duties of your position,
please contact the Accommodations and Career Transitions (ACT) Team at (214) 792-6943
or ACT.Team@wnco.com. Please keep in mind that voluntarily self-identifying a disability is
not the same as requesting an accommodation.
Health
Contacts
63
BenefitsPlus Program
Regular Plan Program
Other Benefits
63
