I just got access to the benefit info for my new jobert and want to start figuring it out even if I won't be eligible for a couple more months.
There's a Gold PPO and a Platinum HMO, and the company takes care of the premium for both. The HMO is cheaper in pretty much every way (4x cheaper therapy for instance) but I know you're a lot more restricted in terms of staying in network and needing referrals.
If I go for an HMO will I have a harder time getting HRT? I'm not really looking at any surgeries in the next year, so I could switch to a PPO later if there were any network issues with that.
If you live in a US blue state I think the HMO will be fine. Otherwise you should probably figure out which local hrt provider you will want to use and see if they will work with your insurance.
Ya I'm bloo. I could also go through Cost Plus Drugs to get it for pretty cheap sans insurance I guess
Honestly that might be the better way. Don't have to worry about those weird headaches. Best is to find a homebrew ring in your area but that requires spending a lot of time at dive bars.