[preciousjeni]

You know, that all makes sense!

The single price is for me. The married price is if I want to bring my soon-to-be husband onto the plan. It's a PPO through my company but the company doesn't automatically pay anything.

The way it works is that we have a health "allowance" to use as we please. So, if you don't want to get insurance, you pay for your own stuff and the company will reimburse you up to the maximum.

If you do want insurance, you can get it through the "company policy" and the company will pay for the premiums and copays up to the maximum.

For both uninsured and insured, if costs exceed the maximum yearly allowance set by the company, the rest of the cost is out of pocket. The company allowance only covers the employee so, while a spouse can be on an insurance plan, the company will only pay for its own employee.

The insurance company is Oxford (as in Oxford Health Plans) and it's in New York.