I have used the OPM web site and the Consumer Checklist web site for comparison of two HMO plans. I have even called the potential health insurance for clarification. The problem is I do not get the same answer every time I turn around. It is either the agents over the phone may not have enough knowledge to give out the right answer, or the handbook has been updated but not the web site. No matter what, I still no courage to switch my health insurance because it may be too late when something goes wrong with the new one.