Oh, I have something to say now. We are going to have to use some of our savings for medical expenses. We have decent insurance, but the kids don't have out of network coverage. We just chose the wrong health plan. And it wasn't even to save a buck. It was just the simpler plan. Now I know. Make sure you have some out of network coverage. You never know what you or someone in your family will need. Even if you are fit and healthy. Sometimes things happen beyond your control. And you need a specialist. And there are no in-network specialists available when you need them. Our needs were immediate and we couldn't hang out on waiting lists for months awaiting treatment.
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