Stupid question, but hoping to get some perspective as a new hire, what defines good health insurance? Everyone says our plans suck, wondering what that means?

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Cost vs coverage, what's included, excluded, co-pays, medical devices, emergency room, maternity leave, family planning, dental, vision.

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Plans suck when you pay a monthly payment (premium) that is expensive and then you have a 3000 to 5000 deductible which means for any major surgery or procedure you will need to pay that upfront payment first (deductible) before the insurance kicks in and then to rub the salt in a little more, the insurance company will say we are only going to pay for 80% of the bill and you have to pay for the remainder 20%.(coinsurance) Oh and then you have to pay for the visit (copay).

Good insurance is when you pay a reasonable monthly payment (premium) and you dont pay jack shit for anything else when you need medical treatment.

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^Thank you, Stupid question once again, when evaluating these different options are there any web resources that can help you navigate all these plans given the variables that you might carry (younger, diabetic, etc)

Not every firm has the same plans so you only need to look at the ones your firm offers to you. Typically they offer low cost/low coverage, high cost/high coverage and something in the middle. Healthy people without family often go for the former while people who need or want more choice and coverage go for the latter. I’m pretty sure your firm publishes a comparison of your plans offered and each plan details what is/isn’t covered and at what cost. Worst case (and I mean last resort) - ask HR but keep in mind that they’re only HR.

Not a stupid question - healthcare is confusing (especially in the US - my response is from this perspective)! Would recommend you read our different plan materials as a start and attend some of our benefits seminars that MMC holds, typically in the next couple of months as its annual enrollment time. I think there are people you can call as well at MMC (look on colleague connect) that will help you figure out what works best for you.

Look for more covered benefits, fewer limitations, out of pocket costs you can deal with, premium you can deal with.

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