so do you work for an employer who uh
gives you health benefits
yeah we get um i have i have good health benefits actually
oh yeah
yeah i have uh all of them and they're it's pretty cheap per month and they
i get to pick my own doctor and they have really good benefits
uh-huh
uh um
do you have any any interesting benefits aside from basic health coverage
uh besides basic uh no i have um some
a little bit of uh life
insurance benefits
um
do uh do you get any kind of dental or optical coverage
uh no the the
uh no optical the dental is fully covered um
uh-huh
except unless it's major
uh-huh
but anything minor or just checkups that's all covered
and uh is your whole family covered or do
no that's just me but they can be i have that option but it's more money
uh-huh
but they're not they have their own
i see so through your husband or
oh no me i'm single it's just through me
uh-huh
oh i see
it's it's uh so it's and it that makes it cheaper too since i'm single
okay do but do you have children
no no
oh okay so that's real simple yeah here uh
yeah
it's just for the individual and if you want to cover your family you pay a little extra but not much
yeah
not much not for the good but it's really good the benefits are good
uh
yeah i think it's pretty significant benefit uh really uh
um-hum
makes you wanna stick around
yeah yeah they have they uh it does
yeah that's just what you wanna hear about uh people who are individually insured you know once you get sick you can be booted right out
yeah
um-hum
yeah
uh which seems kind of unfair
uh
do do you work where you have benefits like that
yeah yeah we have we can choose uh
a couple different plans they made they try to make it real flexible where if you don't use much you actually get cash back
oh really
um so you can choose all these different plans some of which pay you know like everything and some of which pay very little uh you can also choose an HMO
uh well i used to have that when i was single and i was i found it very convenient uh and we have some optical and dental coverage that's i guess it's optional but i think we can get one pair of glasses a year
yeah the
um-hum
yeah
really well that's good
that's so yeah it's pretty good actually uh i think a anything under a hundred dollars we can get one pair of glasses a year
but if you want something really fancy you pay the difference
uh-huh see that's see i wear glasses not all the time but when i read and stuff and um i wish we had some kind of optical
uh-huh
coverage but there's
yeah it's nice
there's none whatsoever and it can get expensive
yeah it can uh at least it's not like medical where it can really go through the roof you know at least somewhat limited um
yeah
let's see you have any kind of uh
child care benefits or
um yeah for the um actually if you're i believe i i read up on some of it if you're pregnant
anything in
uh-huh
they have really really good coverage they have um like well baby care it's it's pretty much covered
uh-huh
that's a problem sometimes i understand when the baby's not sick but you know you have these periodic appointments and
um-hum
especially when they're younger
yeah the doctors end up having to come up with some ailment to cover the uh
yeah
the appointment even though there's not really one
um-hum
yeah some seems more honest
and though and the
pregnant mother has
uh full coverage for well mother care
uh-huh well that's good that's good and do is there any kind of interesting uh what i mean what happens after the baby's born is there some uh some maternity leave policy
um that's what i was trying to i think there is i don't really remember how long it is
uh-huh
but they do give you a certain amount of time to be home and get adjusted i guess
uh
and um
most of the benefits are pretty good the hospital benefits and and they let you pick your own doctor you have your choice actually if um it's better they give you a list
uh-huh
and if and if your doctor's on that list then most of your benefits are better because those doctors are in a chain that works with the insurance company
i see so they they're preferred providers or is that a
yeah but you can have your own doctor
right and you pay a little more or certain things aren't as well covered but at least you have that option
yeah
yeah um-hum
that's nice because once in a while you find someone who deals specifically with
you know what you have or or somebody just somebody you've dealt with already a
um-hum
yeah and and a lot of times because we just switched my company my uh company just switched insurance companies and before
and
uh-huh
we did not have that choice
uh-huh
