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Melissa DeLeo on February 17, 2011
HMO…PPO…COPAY…COBRA...oh my! If you’re like me, the world of
insurance lingo and policy conditions can feel like you’re standing in
the middle of Macy’s on Christmas Eve—confusing, sweat inducing and
wishing you could find a lifeboat out of there. But no worries, take a
deep breath, we can get through this together.
Identifying the main issue behind your confusion and stress will
clear the clutter, leading you to a solution. Insurance laws and
programs differ from state to state and person to person…which can be a
good thing. Wait! Before you roll your eyes, variety equals choices. You
have power to decide what option is right for you. In order to keep
your cool and remain in control, it is often helpful to make a specific
list of what you need, what you want, what you can afford, and what you
cannot. If you have questions, ask them. And if it still is not clear,
ask again. The more information you have the more in control you can be.
Ask your HR department for guidance and company policies. Speak with
your physician and medical team for advice. Keep your mind open, but
refer to your list of needs to remind yourself what’s really important.
Finally, just like when you exit Macy’s, with the all-time greatest find of your life, take a deep breathe, treat yourself to a vanilla latte, and be proud of yourself.