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I love HEB because I hate wal-mart but seeing as how there are no HEBs here in el paso it kinda sucks but anyways back to the point here. Company policies are usually great. I used to have healthcare through my mom when she was a teacher and so the whole family was covered through that and I only had 5 dollar deductables it was great and good times. In the end no matter how you cut it nothing will ever be as good as company policies because they are package deals and they save money so they pass that savings on to you in the form of lower deductables and more coverage…Its like shopping at SAMS nothing will ever beat them because they sell in bulk thats why they can sell so cheap…