Hi, I'm new to US. I'm planning to take up health insurance for my family. My employer is giving me the coverage but, he is quoting around $800 per month for my wife and 2 yr kid. I enquired on line and few of them came back to me with some patient advocacy program which, they say is only $140 per month for the family.
I'm little confused as to which one take which one take and why there is so much difference between them? Please advice.
Thanks,
Kiran
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