Until there is some reform we are still dealing with what we have available to us now. I am lucky to have health insurance now but it is open enrollment time and I have having a difficult time with it. All the HMO plans we had in the past have dropped out of my service area (not financially desirable enough for them i suppose) so I have to wade through pages and pages of plan info for PPO's and such other types of insurance. I do not understand them at all, the brochures are written to confuse and stymie the potential insured. So can anyone help clarify to me how these things work or where I can go to get clearer cut answers? I do plan on calling each individual companies service reps but really am not too trusting that I will get straight talk from them. They want my business for sure, but what do i get in return and how much is it going to cost me above and beyond my monthly premium? I need some help here arghhhhhhh
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