Since Jesse is a State employee we get a few different options on our insurance plans (hello, confusion)... They will no longer offer our current plan in 2011. Argh! This will end up covering all three of us next year but I am stuck between a couple of options. So any info you can offer would be helpful.
For children under 2, how many times have you had to make a trip to the ER?
How about an Urgent Care/ After Hours care place?
Lastly (I should know this), is a pediatrician considered a specialist?
Any reason you would never choose an HMO? (It looks like all of the doctors and hospitals I would want are on the HMO plan.) Our primary care doc is great about referrals, I am not worried about that.