If you listen to this podcast, you're probably at that age where the benefits package is just as valuable as the salary that goes with it - or you're an entrepreneur or retired, and really know the value a good benefit package brings. But, how good are those benefits based on your personal situation? J'Neane walks and talks through benefit fundamentals, specifically medical and dental, and gives the low down on HMOs, PPOs and EPOs,, premiums, and deductibles, and shares her own experience that taught her why you gotta look at the "shelf" price sometimes.