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Something to keep in mind too, the younger a kid is, the more you are going to be at the pediatrician, what with well checks, required shots, and every germ they come in contact with for the first time it seems.
I have a kid and the Gold plan worked well for us. Note that all preventive visits for the kids (shots, regular scheduled checkups (6 months, 12 months, etc) are covered at 100% and don't impact your deductible or HRA money at all. We go to a in-network doctor and pay nothing for the regular check-ups. (it may be the same in other plans, I'm just telling about my experience).Originally Posted by Justdoinmyjob
Gotta go with R1. Go with the Gold. If you have younger kids, you can easily max out the deductible. I got 4, the oldest being 11. 3 are asthmatic, 1 is ADD. Drugs add up quick. In the last year, there were over 40 office visits including my wife and I. Plus 3 ED visits and 2 hospitalizations. I have to have some minor surgery next month. Now it's covered 100%.Something to keep in mind too, the younger a kid is, the more you are going to be at the pediatrician, what with well checks, required shots, and every germ they come in contact with for the first time it seems.
Our kids just wasn't sick - we have only been to the doctor for something other than checkups once. (we're really lucky). That visit at the doctor cost us $57. If they are sick a lot, that would add up.