Julia, it's NOT the only option Xerox provides.
They have 2 options
1) standard HMO option, with no $5000 deductable and no 80/20 split. With $30/month for brand-name drug, etc. More in line with what most employers provide
2) PPO option as you described.

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Человек, который почувствовал ветер перемен, должен построить не щит от ветра, а ветряную мельницу