Your pay rates are correct. There are, like most plans, an "in network" and "out of network" rate. The family rate in network is 114 a month and out of network 310. Plus dental and vision will run you another 15 a month each. Insurance kicks in after three full months of employment so if your class starts the 5th, call it four months. Skype works in most places, you may need a work around the UAE phone company/government.