Many of the insurance plans have published their 2005 summary of
benefits on the web. I know many of you have BCBS insurance and the 05
program has been posted.

http://www.fepblue.org/index1.html

It did not look like they made many changes in the program although
they dumped merck medco in favor of Caremark, thankfully Remicade is
still covered 90%,  You might check your insurance company for the new
program and rates.   Flexible savings accounts will also be open at
the same time as insurance.  -- MZ

Visit my website:
http://www.mzuschlag.com