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knock knock hi is this HR yes yes come in Im sorry am I interrupting oh no no I was just enjoying some paperwork but break times over welcome to HR you must be the new hire yep I start on Monday well the first order of business is choosing a health insurance plan have you looked over the options I did but its a little confusing of course if it made sense it wouldnt be U.S Healthcare lets look at the menu the the menu yeah we repurposed it from the Cheesecake Factory it was the only thing that was big enough uh okay so you can choose the high premium low deductible plan or the high deductible HSA well how much is theres also the PPO the PPO plus the HMO and the CMO what is the CMO Comfort measures only insurance will kick in as soon as you lay down in your deathbed it covers a business Zoom subscription so you can say goodbye to your family and friends and a daily cookie oh chocolate chip oatmeal raisin well what about this plan that plan only covers diseases which have been eradi