My Wife and our 2 Children used to have duel coverage. Her insurance was the primary and my insurance was the secondary or co insurance. So my wife decided to leave work to be at home more, for the kids. We did not think that my insurance alone was going to be so much different. I just got home from the Dr. I had to actually turn down some testing he wanted to do. Turns out I have a $400 deductible and the MRI he wants would be really expensive. If I have to pay $400 I don't want to pay so close to the end of the year. I think my insurance renews each year in February. So now I'm scared, Thats a lot of money. all in one shot. When we had duel coverage we had virtually no big bills unless it was some big hospital emergency, or my daughters birth. My wife keeps pointing out that unlike here insurance which was costing her $180 a month for all 4 of us. Which was deducted from her paycheck. My union pays for all of us. All I pay is my $35 monthly union dues. What do you think $25 for a normal office visit . If any tests need to be done or special treatment like therapies. I have to pay the first $400 then the insurance will begin to kick in and pay for 75% $75 emergency room visit no deductible and they pay for I think 80% vision we get $200 a year per person Dental is $25 office visit with think 60% coverage up to $1500 The reason I ask is because next year I will have the option of switching from ppo to a all in one kaiser family plan that will pay for almost everything. I have heard some bad things about Kaiser hospitals. My wife likes the ppo option of seeing any Dr. she wants Any one with experience with kaiser?