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.
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.