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

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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

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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.

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#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.

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This is absolutely the truth.

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What’s the difference?

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

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Related Posts

What’s the deal with these start-ups not hiring people with actual insurance experience?

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I know that feedback culture is part and parcel of consulting, and I feel it is contributing to my anxiety and depression. At the same time, i enjoy the problem solving aspects and don’t want to do a career change.
Anyone having the same problem? What have you done to help yourself cope with the culture?

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I just got an offer from EY in London but considering based on what the maternity policy is which doesn’t seem to be spelt out in contract or benefits pdf. Does anyone know a) if there’s a minimum employment period to qualify and b) what the enhanced maternity pay is. I’ve read both 16 weeks and 18 weeks.

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Anyone take the CIPM recently? How was it?

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If I book a stay in a Marriott property through a third party website for a lower rate than what’s on the Marriott app, can I still get points and elite benefits on the reservation?

Traveling from 🇩🇪 to 🇪🇸 next month. I couldn’t find information about the janssen vaccine, does this still count? Got the jannsen in 06/21 and Comirnaty in 12/21. Do I count as boostered, or do I need a take a pcr test prior?

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Companies in the area with the best maternity leave?

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For those that work at big4, does maternity leave benefit only kick in if you’ve worked for the firm for at least a year? Or does it apply immediately?

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Has anyone tried Tom Brady / Gisele’s diet? How did it go

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Thoughts on specialty life insurance? I don’t have my LLQP. This is based in canada. They are offering paid training

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I will be moving from Infosys to TCS. IN ibegin portal, it asks Have you been member of pension fund ? What should be answer ?

Infosys Tata Consultancy
Thanks in advance 😊

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if there's no pension anymore and a significantly lesser lump sum payout, why become a partner at EY?

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Anyone else extreme ? Love the fit life and sometimes will do 2 a days and be ok with eating one meal, but other times will spend the day barely moving and eating on my sofa. Can’t escape fatty life

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How much protein do I need it intake to grow muscle? I rather not gain fat. I am 200lb.

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Apparently, you can get COVID partying in the Ozarks. Now we have to see the actual extent of the spread.

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Just got offered to join potential project that would relocate me to LA for 3-4 months for onsite work. Their office is downtown, I’m single, 29 have the flexibility in lifestyle for this kind of move. Is it worth coming to LA rn? There are obvious Covid risks, but anything else I should consider when looking at this move? Thank you

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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?

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I am in a client service account associate role right now helping AMs/AEs/Producers manage their books of business. A recruiter reached out to me with a Client Manager position. I have imposter syndrome because i have only been in insurance for 4 years. The first year being an intern/admin, so technically 3 years. (continued in comments...)

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With this crazy sickness going around what medication is everyone taking? It’s been a month since the cold and cough entered my house and it’s still here.

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17/13 check in
Upper body day for me!

likefunnyuplifting

More Posts

How is EY SPLIT going to affect individuals ?

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Where’s the prettiest place you’ve ever been and your favorite memory of where you went? Post a picture of it! I’m missing being able to see what else is out there beyond the walls of my apartment.
Mine is Thailand. My favorite memory is standing in the water and watching the sun set over Railay Beach.

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likeuplifting

Anyone else here just chooses not to eat when too lazy to cook? 😅

likefunnyupliftinghelpful

Hi
Applied for a position in Johnson and Johnson Canada. Reached the final round 3 weeks back. After not getting any updates I emailed the HR a couple of weeks back. They responded back telling me that they’ll have an update for me the next week. Again I emailed them on Thursday asking if they have anything for me before the long weekend ( Good Friday & Easter). No response whatsoever. Will emailing them again be inappropriate? I desperately need this job

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Hi pals! Anyone here currently working at Accenture open to referring me to an Account Exec role ?

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I've been job searching for nearly 4 months.... started using fishbowl 3 weeks ago... this app is far superior to anything on the market.

likesmart

Anyone have any recs for self help books? Looking for more relatable topics to myself I guess?

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Anyone use therapy dogs in their classrooms? If so, how?

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Feeling a deep void in close human connection after letting go a relationship that was lacking a future (I was interested in something more, he was unsure). Can’t stop thinking of reaching out and need strength to just stay with the loneliness and have hope for the better times. Would appreciate support. It’s been 2 weeks but I feel bouts of extreme sadness and desire to have someone to share my life and days with.

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Hi everyone, I’m in need of prayers. My mom was admitted into the hospital recently, but they just found some nodules in her lungs. Their default diagnosis is cancer, and she does have a past history of colon cancer. Please keep her and my family in your prayers. Nothing has been finite, but I can’t help but prepare for the worst & hope for the best. The only thing getting me through this is my faith in God. I do hope this message encourages you to hug your loved ones a little tighter tonight ❤️

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Any ENFP lawyers out there who are happy? What do you practice? Just saw that a job not for this personality was “corporate attorney”... so just curious.

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Been here ~5 years now and looking for a way to get dual citizenship (since spouse is not Dutch). Anyone know of any common paths or loopholes to not have to renounce current citizenship?

How soon should you think about refinancing? Closed about two months ago at 3.25 (30 years) but rates keep dropping...

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I am at salary negotiation phase with accenture hiring team. Somebody give me pro tips to fetch more CTC.

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does anyone have any model practice / prep materials that they'd be willing to share? happy to contribute $ ... struggling to figure out how to practice in a structured way

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If I'm freelancing from the U.S. for a company overseas, is it better to charge them in USD or their local currency?

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I am considering taking a position with a current client (multi family and hospitality real estate developer and operator) that is experiencing rapid growth. If I accept the position, I will be the company’s first GC. Any advice or recommend resources would be welcomed!

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Considering joining a small 50-person company as the only attorney (prior attorney is retiring). (I am currently in-house at a F50). For others who have done the same path, what surprises did you have when moving from a large company to a small one?

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Any advice on things to expect (or not expect)?

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Anyone have insight into in-house roles at an insurance company?

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I’ve gotten to the point that if I’m not completely slammed busy with work sweating my ass off, I feel bored and have caught myself before asking for more work, trying to remember to enjoy the lulls

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Additional Posts in Advertising

Yo, can we all just chill? About you know, everything?

likefunny

Would you rather work at an agency or work client side?

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How I’m feeling today..

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Raises do exist! Disregard females, acquire currency 💸💸💸

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I keep hearing about Consulting girls coming for and getting traditional advertising work...and I believe it. As a Strategy exec in Pharma advertising, what's keeping me from jumping ship to McKinsey

likefunny

Alas, I don't qualify.

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likefunny

Tired of this constant grind and constant layoff situation in NYC. Thinking of making the move to LA. Any thoughts? Yay or nay?

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If you live in LA, dm me for secret wineries in SB county that will blow your mind. I’ve literally been to all and give you the goods and they are so close and life’s too short to drink crap wine!

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What’s it like producing at 360i NY?

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I like everything about my agency except my partner. Do I leave if they don’t have the budget to get me a new one?

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I've written nearly all my friends' Tinder bios. And they're actually getting more matches. Definitely gonna put that shit in my book.

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Buntin Group in Nashville - is this a reputable agency? What’s the good/bad/ugly on this place?

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Are we all fucked?

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Is possible to have "real friends" in the ad world? Do you trust your coworkers or do you feel that they are going to throw you under the bus just to save their asses?

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Not sure if if this would be helpful to those furloughed, laid off due to C19, but here is an open source document of agencies currently interviewing. Please edit, add as needed.https://docs.

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How does one proceed if/when receiving job offers from two shops within the same holding company? Asking for a friend.....

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Never moved to an agency out of state. Any advice on finding/negotiating a position that includes relocation? Bay Area specifically?

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Thank you all for existing on Fishbowl and for being such a supportive community. It’s been a difficult year, but at the end of the day, I’m glad to have people to commiserate/celebrate with ❤️🙂❤️

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Creatives (or anyone really) who have depression and/or anxiety, how do you keep creating when your mental health issues become really overwhelming? Do you guys have particular strategies?

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TBWA NY layoffs today.

likehelpful

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