[ahnasmom]

....but between the two kids our medical bills have to be well over $100,000. But, we have great group health insurance so they must be covered, regardless of pre-existing conditions. I believe it's required to not have the pre-existing clause when you have 50 (100?) employees within a 75 mile radius...something like that.

Anyway, both of our kids were sick, hospitalized in the PICU, had all sorts of test & then surgery, were revaccinated, etc....Alex has had tubes in his ears and was circumsized...we went to the Dr's at least once or twice a week for both kids the first month...Alex maybe the first two months...and we are not done yet...hopefully, he will be needing surgery on his eyes to correct his nystagmus early next year...but that will be after a trip to a very specialized specialist ($$$$$) to find out the 'why' of his condition...then that surgery, we pray!!

We pay about $400 a month for our policy BUT out of that $100,000+, our out of pocket maybe was $1,000....so worth it!

Ahna we knew about and were prepared for the medicals...Alex was surprise since he was labeled low risk and very healthy.

Personally, I would get it now...pay the few extra $$ now compared to getting bogged down under huge medical bills later.