2023 Benefits

Summary
Pilots

Spirit Airlines offers a benefits package that provides health and financial security for you and your
family. This is a summary of the plans available to you.
Eligibility
You are eligible for benefits from your first day of employment. You may enroll your eligible dependents, including your
spouse/domestic partner and children in any of our benefit plans.

Medical Plans
You have a choice of 4 medical plan options. All plans pay 100% of the cost for preventive care. Take note of which expenses are
covered before or after the deductible when evaluating your options.

Diamond Plan w/
In-Network Coverage Choice Plus Plan A Choice Plus EPO Gold Plan w/ HSA
HRA
Company Contribution
N/A N/A $1,000/$2,000/$3,000 $1,000/$1,500/$2,000
(Individual/Individual + 1/ Family)

Annual Deductible
$400/$1,200/$1,200 $0/$0/$0 $1,500/$3,000/$4,500 $2,500/$3,750/$5,000
(Individual/Individual + 1/Family)

Out-of-Pocket Maximum
$2,650/$7,950/$7,950 $1,199/$3,598/$3,598 $2,500/$5,000/$7,500 $5,000/$7,500/$10,000
(Individual/Individual + 1 /Family)

Preventive Care Covered at 100% Covered at 100% Covered at 100% Covered at 100%
Tier 1 - 10%**
Primary Care Provider Office Visit $17 $17 10%
Tier 2 - 20%**
Tier 1 - 10%**
Specialist Office Visit $17 $17 10%
Tier 2 - 20%**
Inpatient & Outpatient/ER/Urgent Care 10% |$17/$89/$17 10%/$29/$17 10% 20%**
Diamond Plan w/
Retail Pharmacy (up to a 30-day supply) Choice Plus Plan A Choice Plus EPO Gold Plan w/ HSA
HRA
Generic Retail $10 $8 $15 $10***
25% copay; Max $300
Brand Preferred Retail $20 $11 $25***
| Min $25
Brand Non-Preferred Retail $45 $11 50% copay | Min $50 $50***
Specialty $45 $11 50% copay | Min $50 50% | Max $300***
Diamond Plan w/
Mail Order Pharmacy (90-day supply) Choice Plus Plan A Choice Plus EPO Gold Plan w/ HSA
HRA
Generic Retail $20 $16 $30 copay $20***
25% copay; Max $600
Brand Preferred Retail $40 $23 $50***
| Min $50
Brand Non-Preferred Retail $90 $23 50% copay | Min $100 $100***
Benefits Summary

Medical Plans (Continued)

Semi-Monthly Premiums Choice Plus Plan A Choice Plus EPO Diamond Plan w/ HRA Gold Plan w/ HSA
Team Member Only $89.81 $53.79 $22.19 $28.00
Team Member + Spouse/Domestic Partner $238.03 $216.27 $101.43 $109.50
Team Member + Child $252.65 $216.27 $101.43 $109.50
Team Member + Children or Family $354.77 $303.43 $214.16 $209.00
Domestic Partner $148.22 $162.48 $79.24 $81.50
(Subject to Imputed Income)

*Prorated based on date of hire

**After deductible
***Non-Preventive Medication covered after deductible

Dental Plans
Spirit Airlines offers three comprehensive dental plans for you and your family to choose from. Crew Team Members that enroll in
any Spirit sponsored medical plan can take advantage of selecting either the PPO or DMO dental plan at no cost. PPO Plus is also
available for election at a premium cost. Our dental plans pay 100% of the cost for routine checkups and share the cost with you
for most dental procedures.
You have 3 dental plan options:
In-Network Coverage PPO Plus PPO DMO
Annual Deductible
$61/$179 $61/$179 $0/$0
(Individual/Family)
Calendar Year Maximum $2,000 $1,500 No Max
$2,000
Orthodontia Lifetime Maximum N/A N/A
per individual
Diagnostic and Preventive Services
Covered at 100% Covered at 100% Covered at 100%
(e.g., X-rays, cleanings, exams)
Basic and Restorative Services (e.g.,
80%* 80%* Fee Schedule
fillings)
Major Services (e.g., dentures, crowns,
50%* 50%* Fee Schedule
bridges)
Orthodontia 50%* N/A Fee Schedule
Semi-Monthly Premiums PPO Plus PPO DMO
Team Member Only $9.50 $3.33 $3.00
Team Member + One $25.50 $21.53 $19.43
Team Member + Child/
$27.00 $13.41/$20.07/$26.79 $12.10/$18.12/$20.00
2 Children/3 Children
Family $35.50 $33.43 $26.00
Domestic Partner $16.00 $18.20 $16.43

*After deductible
Benefits Summary
Vision Plan
Our vision plan offers in-network and out-of-network
benefits to help you pay for the cost of routine eye exams,
glasses, and contacts. It pays for one eye exam a year and
pays for a portion of the cost for eyeglasses and frames/or
contact lenses once a year.
Semi-Monthly Premiums
Team Member Only
Team Member + One
Family
Health Savings Account
Spirit contributes money into your Health Savings
Account (HSA) account, which you can use to pay for
qualified medical, dental, and vision expenses. Unused
funds on your HSA roll over each year and all funds are yours
to keep, even upon separation from Spirit, or moving to a
new plan. An HSA account is only available with enrollment
in the Gold Plan.
Health Reimbursement Arrangement
Spirit contributes money into a Health Reimbursement
Arrangement (HRA), which you can use to pay for medical
claims you incur throughout the year. The HRA provides
continuous rollover of unused funds. However, these funds
are forfeited upon separation from Spirit or electing a new
medical plan. An HRA is only available with enrollment in
the Diamond Plan.
Flexible Spending Accounts
Health Care and Dependent Care Flexible Spending
Accounts (FSAs) allow you to contribute funds on a pretax
basis to help pay medical, dental, vision and/or daycare
expenses.
Life and Accidental Death & Dismemberment
(AD&D) Insurance
You are eligible for Basic Life and AD&D Insurance equal to 1
time your annual salary, up to a maximum benefit of
$150,000 for First Officers and $200,000 for Captains.
You may purchase supplemental Life and AD&D insurance
for yourself up to $500,000 or 5x your annual salary, for your
spouse/domestic partner up to $250,000 or your basic and
supplemental coverage combined maximum, and for your
child(ren) up to $10,000, through after-tax payroll
deductions.
About This Summary: This benefit summary provides selected highlights of the Spirit Airlines, Inc. Team Member benefits program. It is not a legal document and shall not be construed as a
guarantee of benefits nor of continued employment at Spirit Airlines, Inc. All benefit plans are governed by master policies, contracts and plan documents. Any discrepancies between any
information provided through this summary and the actual terms of such policies, contracts and plan documents shall be govern ed by the terms of such policies, contracts and plan
documents. Spirit Airlines, Inc. reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan
Administrator. REV. 02.13.2023
Disability Insurance
You are eligible for the following disability benefits:
Secondary Sick: 4 hours of sick time on the 2nd paycheck of
each month to a maximum of 450 hours. Secondary sick
VSP hours can only be used for your own health condition
$3.95 following a 14-day elimination period.
$7.91
Voluntary Short-Term Disability: 60% of your weekly
$12.74
salary, up to $2,000 max after 30 days. Enrollment required
for this benefit.
Long-Term Disability: 60% of your monthly salary, up to
$5,000 max after 90 days.
Employee Assistance Program (EAP)
The EAP offers you and your household members, 24/7
confidential counseling and assistance with personal,
family, and work-related issues for immediate family at no
cost.
401(k) Retirement Savings Plan
You are eligible to participate in the plan the first day of the
month following completion of 60 days of service with the
company. You may make contributions on a pretax or post-
tax basis. Spirit also makes a direct contribution to your
Retirement Savings Account of 15%. See CBA for details.
Travel Benefits
Unlimited standby Spirit Travel privileges for you,
immediate family and parents begin on Day 1. After 6
months of service, Team Members get 12 one-way buddy
passes to share with family and friends, plus standby travel
privileges on other airlines.
Additional Benefits
 Tuition Assistance provides up to $4,500 annual
reimbursement towards tuition expenses.
 Accident Insurance help cover the costs associated with
unexpected bills due to covered accidents.
 Hospital Indemnity Insurance provides a fixed lump-
sum payment that can help cover hospital expenses while
you, your spouse and/or dependents are in the hospital.
 Critical Illness Insurance provides a lump-sum cash
benefit if you are diagnosed with a covered illness.
 Whole Life additional life insurance protection.
 Identity Theft Protection provided by ID WatchDog
 Pet Insurance provided by the ASPCA & MetLife
 Team Member Perks: Active & Fit Direct, PerkSpot, etc.