[speaker001:] think of the job benefits you have
[speaker002:] well I I think uh so far they've been pretty pretty good except the medical uh not not the medical the dental insurance
[speaker001:] the dental insurance
[speaker002:] yeah I yeah I think um
[speaker001:] um do you work for TI okay hum
[speaker002:] I know I went to have a tooth pulled
[speaker001:] um-hum
[speaker002:] and uh it the cavity had gotten really bad and they they wouldn't uh cover it because they said it it was a pre existing condition
[speaker001:] hum
[speaker002:] you know how you wait you wait as long as you can
[speaker001:] yeah
[speaker002:] sometimes to to lose a tooth and then to for them to come up with something like that it I I just thought that was that was pretty bad
[speaker001:] uh-huh hm that does sound pretty bogus
[speaker002:] and then one time I had a tooth capped you know one of my caps fell fell off and uh
[speaker001:] um-hum uh-huh
[speaker002:] they paid for the the cap but they wouldn't pay for the build up
[speaker001:] hm that sounds kind of strange
[speaker002:] and I didn't understand that either
[speaker001:] who's your who's your dental care through
[speaker002:] uh well uh it's it's a part of Aetna
[speaker001:] uh-huh um ours is through uh Cigna
[speaker002:] um-hum
[speaker001:] and it's not too bad I mean I haven't I haven't been to the dentist a whole lot except for like just regular visits
[speaker002:] yeah
[speaker001:] and uh they haven't been bad they haven't uh they've been pretty good how about your uh do you have an HMO or
[speaker002:] well I had an HMO up to this year I switched
[speaker001:] you you went to like a regular plan
[speaker002:] yeah I went to regular Aetna uh I thought that the HMO was really great uh
[speaker001:] oh okay um-hum
[speaker002:] you know because
[speaker001:] did it get expensive or
[speaker002:] yeah it's gotten expensive because right now I'm I'm only I only have myself so I don't have to pay anything for Aetna the Kaiser uh premium got a little higher than it you know
[speaker001:] um-hum um-hum um-hum I have I have Kaiser right now and uh I think uh I personally I I think HMO's are scammy now just because uh it's only five dollars a visit every time I go that's not bad okay and it's five dollars prescription
[speaker002:] um-hum really um-hum right
[speaker001:] every time I go and they give you the generic stuff anyway
[speaker002:] right
[speaker001:] but uh every time I go there you got to pay three dollars for parking
[speaker002:] right
[speaker001:] you know and so if I go to make a like I I called in one time I wanted to see a doctor about my backache I someone had just hit me and uh and I you know I had some muscle stiffness I wanted to go get some uh some some medication show my back to a doctor
[speaker002:] um-hum um-hum
[speaker001:] and they wouldn't let me see a doctor they said no you know uh just just uh take some Ibuprofen and put a pillow on your back you know and I'm
[speaker002:] yeah yeah that was a problem that I had with them toward the end of the year I was I was really in a lot of pain and I went there and
[speaker001:] um-hum um-hum
[speaker002:] and uh they they gave me an appointment for about a month away
[speaker001:] um-hum
[speaker002:] and so I went to the health food store and got some teas and stuff and started drinking them I got okay but uh and I didn't go back
[speaker001:] um-hum well I was just really annoyed with them because I uh I I tried profusely to get an appointment uh to see you know and I said I if you don't give me an appointment I'm just gonna go to an emergency visit to emergency room and and send you guys the bill
[speaker002:] um-hum yeah that's what I thought about later I would've probably uh been better off if I just went to emergency and you just bill
[speaker001:] um-hum um-hum and and that's that's the only way you're going to get any action out of them you know if you threaten them with that you know because I said I just had the accident and I don't wanna wait too long
[speaker002:] um-hum yeah right
[speaker001:] before anything happens they're like well wait another day and call us back and I'm like I don't wanna wait another day I want an appointment now
[speaker002:] yeah yeah after I really thought about it some more the I I really could've done that but um
[speaker001:] um-hum
[speaker002:] I was hospitalized uh uh about three years ago I had some surgery
[speaker001:] um-hum um-hum
[speaker002:] and Kaiser was really good for that because I didn't have to pay any of it at all
[speaker001:] yeah it's it's real handy once you're you know if you like my roommate broke his arm
[speaker002:] um-hum
[speaker001:] and he went to the hospital he went in to the emergency room and they took care of his arm and he every time he went to one he only had to pay five dollars and he probably went through you know quite a bit of care uh the medicine was expensive the cast was expensive the stitches were expensive and all that
[speaker002:] um-hum um-hum
[speaker001:] and uh you know it it was real cheap I mean once you have a condition and you go to the hospital it probably works out real uh but for just like I don't know I'm I'm only twenty four years old you know I don't really get sick a lot you know I in fact uh over the last two years I've only gone to see the doctor once and that was for a physical
[speaker002:] um-hum yeah
[speaker001:] so you know for me you know I don't I don't see the doctor a whole hell of a lot you know
[speaker002:] yeah
[speaker001:] so but then again you know the year before that I when I had the regular plan you know you have a hundred dollar deductible
[speaker002:] um-hum
[speaker001:] well I went to the doctor once and it cost me ninety bucks so it was like oh well
[speaker002:] wow
[speaker001:] I guess I could've done pretty good with the five dollar visit
[speaker002:] yeah
[speaker001:] so
[speaker002:] well my uh my Kaiser premium would cost me like forty something dollars a month starting this year
[speaker001:] wow that's a lot
[speaker002:] and TI will cover uh whatever they would have covered for Aetna but the premium is still forty dollars more than that
[speaker001:] um-hum hum yeah Kaiser's expensive I mean I think it's uh this year it's like almost four thousand eight hundred dollars
[speaker002:] yeah so I went back to Aetna because I I won't hav e to pay anything
[speaker001:] yeah that works that works out pretty handy
[speaker002:] and uh although they do have a deductible that forty dollars a month will add up to that pretty quick
[speaker001:] uh-huh no yeah
[speaker002:] you know
[speaker001:] it works out okay I think if you have kids though the HMO is probably the best
[speaker002:] um-hum