[speaker001:] so do you work for an employer who uh gives you health benefits
[speaker002:] yeah we get um I have I have good health benefits actually
[speaker001:] oh yeah
[speaker002:] 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
[speaker001:] uh-huh uh um do you have any any interesting benefits aside from basic health coverage
[speaker002:] uh besides basic uh no I have um some a little bit of uh life insurance benefits
[speaker001:] um do uh do you get any kind of dental or optical coverage
[speaker002:] uh no the the uh no optical the dental is fully covered um
[speaker001:] uh-huh
[speaker002:] except unless it's major
[speaker001:] uh-huh
[speaker002:] but anything minor or just checkups that's all covered
[speaker001:] and uh is your whole family covered or do
[speaker002:] no that's just me but they can be I have that option but it's more money
[speaker001:] uh-huh
[speaker002:] but they're not they have their own
[speaker001:] I see so through your husband or
[speaker002:] oh no me I'm single it's just through me
[speaker001:] uh-huh oh I see
[speaker002:] it's it's uh so it's and it that makes it cheaper too since I'm single
[speaker001:] okay do but do you have children
[speaker002:] no no
[speaker001:] oh okay so that's real simple yeah here uh
[speaker002:] yeah
[speaker001:] it's just for the individual and if you want to cover your family you pay a little extra but not much
[speaker002:] yeah not much not for the good but it's really good the benefits are good
[speaker001:] uh yeah I think it's pretty significant benefit uh really uh
[speaker002:] um-hum
[speaker001:] makes you wanna stick around
[speaker002:] yeah yeah they have they uh it does
[speaker001:] 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
[speaker002:] yeah um-hum yeah
[speaker001:] uh which seems kind of unfair uh
[speaker002:] do do you work where you have benefits like that
[speaker001:] 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
[speaker002:] oh really
[speaker001:] 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
[speaker002:] yeah the um-hum yeah really well that's good
[speaker001:] 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
[speaker002:] 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
[speaker001:] uh-huh
[speaker002:] coverage but there's
[speaker001:] yeah it's nice
[speaker002:] there's none whatsoever and it can get expensive
[speaker001:] 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
[speaker002:] yeah
[speaker001:] let's see you have any kind of uh child care benefits or
[speaker002:] um yeah for the um actually if you're I believe I I read up on some of it if you're pregnant
[speaker001:] anything in uh-huh
[speaker002:] they have really really good coverage they have um like well baby care it's it's pretty much covered
[speaker001:] uh-huh that's a problem sometimes I understand when the baby's not sick but you know you have these periodic appointments and
[speaker002:] um-hum especially when they're younger
[speaker001:] yeah the doctors end up having to come up with some ailment to cover the uh
[speaker002:] yeah
[speaker001:] the appointment even though there's not really one
[speaker002:] um-hum
[speaker001:] yeah some seems more honest
[speaker002:] and though and the pregnant mother has uh full coverage for well mother care
[speaker001:] 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
[speaker002:] um that's what I was trying to I think there is I don't really remember how long it is
[speaker001:] uh-huh
[speaker002:] but they do give you a certain amount of time to be home and get adjusted I guess
[speaker001:] uh
[speaker002:] 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
[speaker001:] uh-huh
[speaker002:] 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
[speaker001:] I see so they they're preferred providers or is that a
[speaker002:] yeah but you can have your own doctor
[speaker001:] right and you pay a little more or certain things aren't as well covered but at least you have that option
[speaker002:] yeah yeah um-hum
[speaker001:] 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
[speaker002:] um-hum yeah and and a lot of times because we just switched my company my uh company just switched insurance companies and before
[speaker001:] and uh-huh
[speaker002:] we did not have that choice
[speaker001:] uh-huh