{ "media_type": "text", "post_content": "Word to the other newbies like me.\n\nALWAYS choose PPO over HMO for insurance (if you have the option). The extra cost is so worth it for the quality of your healthcare and your stress levels.", "post_id": "5c38d817d3171200183f311b", "reply_count": 10, "vote_count": 14, "bowl_id": "5565cfca8b2b9a03009acf57", "bowl_name": "Advertising" }

Word to the other newbies like me. ALWAYS choose PPO over HMO for insurance (if you have the option). The extra cost is so worth it for the quality of your healthcare and your stress levels.

likehelpful
Posting as :
works at
You are currently posting as works at

Facts. Good on you for being so wise and informed at what I’m assuming is a relatively young age.

like

I feel you. Nowhere near as bad, but I had an HMO dentist that didn’t scrape my teeth for plaque or floss them during the exam. The whole thing took 5 minutes and he smelled like smoke and his exam room was dirty. (Shudder.)

I didn’t even know this. Thank you

like

Totally. No referrals is worth it on so many levels. My kid has some issues right now and being able to go right to Children’s without effing around with in-network referral crap is priceless.

likehelpful

Super facts.

like

#TeamEPO. But only because I can still coordinate with my parents PPO. Honestly the EPO has been great too. I use ZocDoc to find all my doctors and then check what the costs would be without it. From the hours I've spent researching insurance...the real money comes down to WHO you have and what rates they've negotiated.

like

This is absolutely the truth.

like

What’s the difference?

PPO gives more options of hospitals or clinics and covers more money and procedures.

like

Related Posts

I have ~$52K in my 401K. How does that compare with others? I’m almost 27 and have been thinking more and more about withdrawing some to pay off college debt.

like

Question for big 4 partners/Managing directors. Is becoming partner or MD a choice or if partner role is not available an employee accepts MD role? Also,are there any post retirement benefits for MD?

like

Anyone have any private insurance? Am a first year looking into disability policies and term life insurance...no clue how to proceed or how much coverage is reasonable. Would like to know from those who have these, how did you decide on your coverage?

like

Had no idea how good my previous firm’s insurance was until I signed up for Deloitte’s.....

like

Hired a new nanny and currently on day 2. I am still on maternity leave so helping toddler transition and baby. She seems nice but tardy and my toddler is a rocket. My husband made breakfast for me she came and ate it. She helped the toddler nap and now sleeping lying next to him 🤦‍♀️. Baby cried and she put him in car seat and tried to rock him along with car seat . She was so nice during the trial (sweeet) but I am confused now on what did I sign up for ! Can I get some tips please ?

like

Potentially stupid but serious question alert: I want to move my money from checking to an index fund (e.g., SP500 type) to build passively vs. it just sitting in my bank. My questions arise around how liquid is this (e.g., if I need to make a large purchase and take a portion of the investment) and what are tax implications for short term withdrawals/selling (e.g., I invest 10k, sell 2k to make a purchase, does this actually help financially or does short term taxes /other negate any benefits)?

like

Planning to join Deloitte office in Bay Area after visa transfer process. Living with wife and 2 children. Want to understand healthcare plans available and deductions in each paycheck. Thanks.

like

Can someone explain why they buy EFTs over index funds? A couple years ago I switched my 401k from target date to index funds? Does it make sense to eventually switch those to EFTs? If so, what's the strategy on when to switch?

I am starting to question my existence in this world. I have a nice job, decent salary, i work out and eat healthy, maintain my health, read 3 to 4 books every month, dont have any personal commitments (single), in my early 30s and things cant be any better. Of course with the exception that i had a real bad break-up with my fiancé 6 months ago. And i dont have any symptoms of depression, but there are days when i just feel like what is all this for?

likehelpful

Anyone sign marriage documents cause it just made sense at the time (insurance, buying home) and then had a ceremony afterwards?

like

What are people doing for their retirement? How much do you invest monthly and what % into your 401k?

like

I’m looking to make a shift into recruiting. I don’t have any typical recruiting experience but I believe I will be very good at it. Im excited to learn, very personable, love helping connect people. My issues are: Ive never worked a commission job before & taking that leap is terrifying. Im currently at a job that pays about 30K more than most of the base pays I’m seeing & I have great benefits. Any advice? What to look out for? How to pick a good place? Where are you working/why do you like it

like

Is there anyone from Gartner who can tell what they think about the benefits. How many days pto, what is the 401k like?, healthcare etc? Any idea how many days PTO dies an associate partner get?

like

I have auto insurance for 2 cars and home insurance from geico in NJ. Should I shop around or is geico the cheapest?

Anyone know offhand if there are any good healthcare agencies in Portland OR?

like

First day back on the job after paternity leave. Never had a harder time leaving the house than this morning...

like

Need advice- Best, reliable and reasonably priced Term Insurance provider?

like

Do you guys have insurance for your watches? Would you take your insured watches traveling to toursity locations?

like

Does anybody know how HSA benefits work with unmarried domestic partners? We are on same health plan but it’s unclear whether hsa is tax advantaged or not for my partner. Online info is very unclear as well.

like
likeupliftingsmart

Additional Posts

Currently contributing 18% to savings (8% 401k and 10% to savings account) and also paying $2250/month for grad school. I have a healthy savings balance and am not expecting and need to use it anytime soon. Is is ok to cut back on what I put into my savings account while I’m in school? Feeling stretched thin and have always had the impression it’s bad to not be contributing to savings regularly. Thinking if I’m paying for school it’s ok to be less aggressive with savings. Looking for input.

like

Hi , I see a lot of Post with “WFH” acronym in, what does it mean? Thanks

funnylike

Have you ever run into a situation where you asked for more money (either a raise or when negotiating an offer) and you got it and regretted it? What are the strings attached to more $?

like

Insight to Big 4 Advisory Director salaries? Middle market office.

like

I used to work at USI Bengaluru in 2018-2019 as an Associate Analyst, (Opentext Content Suite Dev). Just completed my Master's of Computer Applications Degree (Manipal Institute of Technology, Manipal) and was considering my options. Does anyone know what CTC is offered to Alumni with a Post Grad Degree with almost 1 year of Exp and 1 year on Internship Experience (React, React Native) ? Has COVID reduced hiring freshers?

like

Booz folks. How is the life of gov contractors? I might end up moving over for a contract, but it seems like benefits are lacking. E.g. A friend of mine pays for her own health insurance.

My little life hack for when I have to interview with the client to lead the next project, but I've only had 3h of sleep.

Post Photo
likefunny

I have a phone interview tomorrow with Goldman Sachs for entry level Financial Analyst position. Can anyone guide me or give me tips on how to prepare for it?

like

Pregnant fish / fish w pregnant SOs - are you planning to travel during your pregnancy with the pandemic going on?

like

I’m pretty buzzed and was on a zoom party, but the host left and ended up ending the meeting cause he had no clue he could do that :/

funnylike

Why did Deloitte’s federal practice have layoffs? Given that the clients are large government entities. I can understand it happening in commercial but federal makes no sense

like

Going on vacation for 2 weeks and looking for recommendations on business books that you couldn’t put down. Mine are Creativity Inc and Shoe Dog.

like

I’m being promoted to Manager this November but recent got offer from a fintech. In money term the manager base pay is 5k greater than the new role but i’m negotiating to match the offer with my Manager salary. Should I wait until promoted or move asap? I dont want to continue working in external audit so trying to pivot to data analyst role/IA in the fintech before moving to full DA/DS position… but thinking the Manager promotion would help negotiate salary in the future.

like

How do you approach a firm recruiting you when you weren't looking to move? It would be similar work, but I could negotiate a significant salary boost which would help my family reach financial goals faster. I like everything about my firm, but the pay is on the low side. I've never interviewed when I wasn't eager to leave my current job, and I'm uncertain how to discuss that with the recruiter & interviewer. I want to leverage it, but don't want to sound greedy.

like

On the bench but putting in my notice in two weeks. Any reason to look for projects, PD work, etc? Or should I just chill?

like

I am currently working in the offshore audit function of EY GDS. I'm at a lead associate level and am also pursuing ACCA . What are the technical skills I can be gaining which would add on to my resume and make me stand out from the rest?

like

My husband and I are in 2nd month of trying to get pregnant. Been on BC on and off for the last 15 years. Taking prenatal vitamins, watching ovulation, watching diet, any other suggestions?

like

Has anyone been sent a package from Hilton for hitting 100 nights? I received an email from FedEx that a Hilton address was sending a package, within a week of hitting 100 nights on the year.

What can I do to get the AWS cloud practitioner cert in the next 4 hours ?

likefunny

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.

For account settings, visit Fishbowl on Desktop Browser or

General

Legal