I was just reading Sonya's journal: She's in charge of Human Resources at her place of employment. Believe me, if you read her journal for awhile, you'll be much kinder to your HR person. (Yes Kat and Tracy, you girls too.)
Anyhow, she mentioned open enrollment. I guess it's that time of year at everybody's workplaces. Cliff brought home all the paperwork that lays out three different health insurance plans, and I studied them for days.
We are given three choices. The more you pay, the more benefits you get from your health insurance. Up to now, we've stuck with the middle plan. It took adequate care of us in 2006, when Cliff's doctor and hospital bills totaled over $100,000.
Although there have been some changes in coverage, I was going to stick with the middle road. Until I woke up out of a sound sleep one morning (that's when many of my "women's intuition" moments happen) with the realization that we're not spring chickens, and that between the two of us, we seem to be visiting a doctor at least once a month. I know there's knee replacement in my future at some point, and who knows what else? It's rather like rolling dice; I can only guess at the right decision.
So we'll be paying out over $20 a week more, now, and getting the most coverage possible. Something tells me it will be money well spent.