HMO PPO? What is that? Are you saying that the union is allowing a complete restructuring of existing plans?
Basically:
HMO (listed drs, and referrals for specialists) cheaper premiums and deductibles.
PPO (any dr with in Insurance and no referrals for specialists) higher premiums and deductibles.
Wiki can explain it better, I'm sure.
I don't think anyone is restructuring anything, simply swapping for cheaper and crappier healthcare for us. AETNA is to good and too expensive for NK.
I guess we just need to wait and see what HR is going to present on our union meeting.
For us working, it would be nice if it can be recorded then posted on our ALPA site!