Two weeks ago I spent 4 hours in the ER with a bug bite I reacted to.

But last Saturday, my husband fell off a platform ladder and broke both bones in one leg. All of a sudden we're looking at how much hospitalization we've got, how much is in the emergency plan, etc.

We need to know how much rehab he needs, how much of that is covered by our insurance, etc. etc. etc.

I found out his company doesn't have anything as old fashioned as a switchboard or a Human Resources department I can just call. I got our insurance company to connect me. Got an Indian woman who barely understood me and who I barely understood who basically wouldn't tell em spit, because there's an authorization my husband hadn't done. (He can't find whatever it is on the website either, but that's another problem.) etc.

Lots of very stressy, expensive decisions being made here and having to be made NOW. And potentially it can drive us to bankruptcy if we choose wrong.

Oh joy.

Be glad you're not us, now. Do yourselves a favor and call and bug your company's HR department. Find out beforehand how much hospitalization you've got, what the extra insurance covers and doesn't. Whether or not your local hospital is in the insurance company's network, etc. All those nasty, icky PITA questions you probably glance over when HR sends the 2-10 pages of data, annually. Doing it this way isn't fun.