Congratulations on discovering jungle juice. Who gives a shit

The dealer doc fee is nothing more than a straight up cash grab, pure profit. You can negotiate this number down a couple hundred bucks during the sales process.

You’ll still be eligible. The is a medical questionnaire that needs to be filled out by the doctors office and submitted with your application.

Go into it prepped for nearly everyone you speak to at the PFML office being completely useless. I cannot stress this enough. On 4 out of 5 calls we made, we got the most inept people on the other side. Couldn't answer the most basic questions we had.

Beyond that, expect the approval process to take WEEKS. We submitted our docs in perfect order. Took 5 weeks for it to be approved (supposed to be 2). Then took another 5 weeks for my wife to see her first payment.

As is tradition when dealing with the state, they are slow as molasses.

I haven’t looked into it yet for my 3 month old, however my buddy did and his son is 10 days older. For 5 days a week he got quoted $3800 a month at one place. After continuing to look he found I think $2700 at another. It’s brutal.

Cause Randolph sucks

Pick your poison brother, it sucks out there.

I cover my wife and I, I’m paying $560 a month for a PPO and my employer picks up 75% of the $2500 deductible. This is all about to increase, as we’re expecting our first kid next month. Now the monthly cost here is expensive, but I have piece of mind knowing that my growing family can see anyone at anytime for anything (pretty much) without a referral.

Prior to this PPO, my old employer only had HSA options. Those absolutely infuriate me and they feel designed to de-incentivize people to visit the doctor, because the cost of care is on you. Sure, the contributions are small for the “privilege” of having coverage, but you pay for it in your HSA fund contributions. Now listen I get all the tax benefits that accompanies that fund- however I think psychologically (at least for me), I’m less likely to use my own money on my care. I’d put something off because now I need to use my own funds to see that doctor, versus having it covered already via a PPO or HMO.

The insurance system is broken as fuck in general. And while I have a ton of complaints about the state of it, I sure as hell don’t have the expertise to know how to fix it.