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View Full Version : Would you switch all your family's drs if you could save $100 a month?


traces7
03-30-2011, 08:20 PM
My family (DH, DD) and I are covered under my health insurance plan. Our rates are going up of course. Right now the plan that we're in, we can go to any drs we want. If we want to stay in that plan we'll have to pay $100 more a month.

We can switch to a plan that covers only certain drs for the same as what we're paying now ($275 every 2 weeks). The only thing is that none of these drs or hospitals are in our hometown. The nearest ones are about 20 miles away. There is a small general practice clinic 10 miles away. Also not to mention the fact that I've been going to my OB/GYN for over 12 years, DH has been going to his dr since he was a kid, and DD has had the same pediatrician since she was born.

Would you switch everybody's drs to save the $100 a month? (That's $1200 a year!) We're seriously considering it. We all only really go to the dr once a year. Although I've recently found out I have a low thyroid levels and will have to be tested in another 3 months. We just don't know how much more we can afford for insurance!

Everything else about these 2 plans is the same, except the cost and the drs you can see. What would you do? :confused3

Madison'smommy
03-30-2011, 08:23 PM
I would but that is because we moved here about 5 years ago... and each have only been to the dr's for a few routine visits. We have no connection with our doctors... and no health issues... $1200. is alot of money, when you look at it like that

ruadisneyfan2
03-30-2011, 08:25 PM
My family (DH, DD) and I are covered under my health insurance plan. Our rates are going up of course. Right now the plan that we're in, we can go to any drs we want. If we want to stay in that plan we'll have to pay $100 more a month.

We can switch to a plan that covers only certain drs for the same as what we're paying now ($275 every 2 weeks). The only thing is that none of these drs or hospitals are in our hometown. The nearest ones are about 20 miles away. There is a small general practice clinic 10 miles away. Also not to mention the fact that I've been going to my OB/GYN for over 12 years, DH has been going to his dr since he was a kid, and DD has had the same pediatrician since she was born.
Would you switch everybody's drs to save the $100 a month? (That's $1200 a year!) We're seriously considering it. We all only really go to the dr once a year. Although I've recently found out I have a low thyroid levels and will have to be tested in another 3 months. We just don't know how much more we can afford for insurance!

Everything else about these 2 plans is the same, except the cost and the drs you can see. What would you do? :confused3


I was thinking I would until I read the bolded part. No way would I be trekking out 10-20 miles to see the drs that I need to see. I work FT and the teensy bit of free time I get is precious. No way would I want to spend so much time getting to & from a dr office. Then again I live in suburbia where everything is a 10 min drive.

sydneysmom
03-30-2011, 08:39 PM
I would totally switch. it's alot of money you would be saving and you aren't going to sacrifice care. :goodvibes

if you need to get tested that often, you might ask them if there's a lab that's close to you that can do the test and send the results directly to the doctor's office.

traces7
03-30-2011, 08:40 PM
I was thinking I would until I read the bolded part. No way would I be trekking out 10-20 miles to see the drs that I need to see. I work FT and the teensy bit of free time I get is precious. No way would I want to spend so much time getting to & from a dr office. Then again I live in suburbia where everything is a 10 min drive.

Yeah, I know that will be a problem. Because DH and I both work full-time and don't get home til after 5 p.m. DH's general practitioner and DD's pediatrician even still have Sat. a.m. hours! But we really don't go to the dr very often. Only once a year for all of us.

lovemygoofy
03-30-2011, 08:41 PM
No question for me. I would not be changing. My time and personal relationships with doctors are more important than the 100/month. Because your choices are limited with the other plan and others are changing, imagine what a pain it could be to make an appointment.

ruadisneyfan2
03-30-2011, 08:52 PM
Yeah, I know that will be a problem. Because DH and I both work full-time and don't get home til after 5 p.m. DH's general practitioner and DD's pediatrician even still have Sat. a.m. hours! But we really don't go to the dr very often. Only once a year for all of us.

Wow, that's amazing! My kids don't get sick so often now that they're older but we do love our ped. and they have Sat/Sun hours still too. :lovestruc

I've been with my OB/GYN for 20 yrs and followed him as he moved from the hosp where I work to 3 other hospitals too. I know I'm not alone in that.

I also have bad allergies so I see an allergist & ENT, both of whom I really like & respect. Also getting bad varicose veins for working on my feet since age 16 (so that's like a jillion years now...) so I see a vascular surgeon.

If I truly only went once per year, I might give it a trial depending on how long I'd be "stuck" with that decision. At my work it's 1 yr except for life changing events (birth, death, job loss, etc.) As long as you can always go back, it might be worth a try. :confused3

Coll0610
03-30-2011, 08:52 PM
We went through this a few years and we did switch doctors. It was more money for us though - over $2000 a year. It took me a couple years to make the switch because I loved my doctor, but eventually the money got to be too much. The funny thing is, the practice that our doctor is in began taking the new insurance last year, so I'm back with my original doctor!

When I was considering switching, I did ask my doctor if he planned on retiring soon because I certainly didn't want to stay with the expensive insurance to keep him if he wasn't go to be around.

homedad
03-30-2011, 09:03 PM
no and you can ask your local doctor to join the network your changing to, it can take 6 month for the process but the worse they can say is no

deedeetoo
03-30-2011, 09:03 PM
I wouldn't switch. While not switching doctors is a big factor, the more important one to me is the distance to the alternative doctors. Maybe its just us but we always seem to be at the doctor. Its not the my kids are sick much but they are very active, play lots of sports,and lets just say I'm on a first name basis with the local x-ray tech.

Pigeon
03-30-2011, 09:09 PM
Nope. I've had cancer, and have a surgeon, an oncologist and a radiation oncologist who I still see six years later. They are all amazing.

ruadisneyfan2
03-30-2011, 09:17 PM
I wouldn't switch. While not switching doctors is a big factor, the more important one to me is the distance to the alternative doctors. Maybe its just us but we always seem to be at the doctor. Its not the my kids are sick much but they are very active, play lots of sports,and lets just say I'm on a first name basis with the local x-ray tech.

:rotfl:

Whew! That's really saying something. I'm an xray tech. I've remembered families with chronic illness but never from injuries. ;) My sister was the same way though. My mom was getting to know everyone in our local ER. :laughing:

traces7
03-30-2011, 09:18 PM
Wow, that's amazing! My kids don't get sick so often now that they're older but we do love our ped. and they have Sat/Sun hours still too. :lovestruc

I've been with my OB/GYN for 20 yrs and followed him as he moved from the hosp where I work to 3 other hospitals too. I know I'm not alone in that.

I also have bad allergies so I see an allergist & ENT, both of whom I really like & respect. Also getting bad varicose veins for working on my feet since age 16 (so that's like a jillion years now...) so I see a vascular surgeon.

If I truly only went once per year, I might give it a trial depending on how long I'd be "stuck" with that decision. At my work it's 1 yr except for life changing events (birth, death, job loss, etc.) As long as you can always go back, it might be worth a try. :confused3

The last few years it's only been once a year, but now watch something will change that! Yes, we can only sign up at open enrollment -April 1, so we'd be stuck for a year, but we could always switch back next year if we didn't like it.

traces7
03-30-2011, 09:20 PM
no and you can ask your local doctor to join the network your changing to, it can take 6 month for the process but the worse they can say is no

I don't think that's a possibility, the drs/hospitals all have to be in this certain plan's network and it's a very specific network. It's an EPO for Mercy Health Care only (it's in Wisconsin).

lovemygoofy
03-30-2011, 09:22 PM
The last few years it's only been once a year, but now watch something will change that! Yes, we can only sign up at open enrollment -April 1, so we'd be stuck for a year, but we could always switch back next year if we didn't like it.

So just for the sake of discussion, how much would you loose having to take off early from work plus travel time in gas dollars to travel to the doctor if you have to even 4x in a year?

Marionnette
03-30-2011, 09:25 PM
My first thought was to say yes to the change and then use part of that $100/mo. savings to pay OOP to see my current doctor when I needed to. But when you added that the cheaper plan doesn't have any specialists nearby nor a participating hospital that completely changed my opinion. No one wants to contemplate having a child admitted to the hospital, but I would not want to have one of mine in a hospital 20 miles away.

Maybe I'm spoiled living in Philly. You can throw a rock and hit a dozen hospitals.

traces7
03-30-2011, 09:48 PM
My first thought was to say yes to the change and then use part of that $100/mo. savings to pay OOP to see my current doctor when I needed to. But when you added that the cheaper plan doesn't have any specialists nearby nor a participating hospital that completely changed my opinion. No one wants to contemplate having a child admitted to the hospital, but I would not want to have one of mine in a hospital 20 miles away.

Maybe I'm spoiled living in Philly. You can throw a rock and hit a dozen hospitals.

Good point! We have a hospital here in our hometown, but it's not on that cheaper health plan. Now, I'm really thinking we'd be better sticking with what we have now with our drs. I've been to a couple drs. in the other plan and the hospital and I wasn't really impressed. Not sure if it's just because I'm used to our small town drs. and hospital and this was a bigger city or what.

traces7
03-30-2011, 09:50 PM
So just for the sake of discussion, how much would you loose having to take off early from work plus travel time in gas dollars to travel to the doctor if you have to even 4x in a year?

That's another good point! Plus I know that with the drs. on the cheaper plan we wouldn't be able to get same day appointments. With our drs. we have now, many times I've been able to get same day appointments when necessary.

Claire&TheBoys
03-30-2011, 10:40 PM
I would not. It's important to me to maintain the relationships with doctors that I already have. When my husband has been deployed (he's a Reservist) and the kids and I revert to Tricare, I stay with the standard option rather than opt into the "prime" option because I don't want to drive 20 miles to the nearest base to see a doctor I don't know, who doesn't know my history or my kids'. I'd rather pay the co-pay and the deductible.

jodifla
03-30-2011, 10:48 PM
No, I would not change.

Nicolepa
03-31-2011, 12:13 AM
We were in sort of a similar situation this year. Our company is changing it's program next year and it will become more expensive for us. But they offered us a pretty good bonus into our Medical Savings Account to switch over this year. My kids are pretty healthy, but things happen. We were going to switch over, but decided not to. It would take just one thing and it wouldn't have been worth it. Well, this has been one of those years.

This year my daughter has had hives that turned out to be a food allergy. 2 trips to the Dr. & 1 to the allergist.

Then my youngest got these bumps on the bottom of his feet and refused to walk on it. 1 trip to the ER & 1 to the pediatrician.

My daughter and oldest son got an unexplained rash (looked liked chicken pox). That was 2 trips to the dr to get figured out.

And lastly (and most $$), my daughter fell running w/the dog and broke her wrist. That was a trip to the ER, and at least 2 trips to the othopedic specialist (plus physical therapy).

So for this year (and it's only March), we've had 2 ER visits. 5 pediatrician visits. 1 orthopedic visit (with at least one more to go and probably physical therapy).

This doesn't inclue the fact that the Ped, goes to my Church so I was able to talk to her about my daughters allergies off the record. That would have been at least one more visit.

disneycruising
03-31-2011, 02:04 AM
I would not change! Unless you absolutely can't afford it.

I wouldn't want to lose the doctors that we have spent many years getting to know: family doctor, ob/gyn, eye doctor, orthodontist, dentist, allergist, psychologist. For doctors that are not close and convent.

Our insurance cost us a small fortune every year! To me, heath care coverage is really important. But, I do have children with health issues; 2 DS with life threating food allergies & 1 DD with Aspergers. Plus another DD with no medical issues. It seems like I am always at the doctor with one of them.

Mom2Ben02
03-31-2011, 05:03 AM
I wouldn't. We have a great ped that knows us, and knows our kids. He will do prescriptions over the phone - not for strep or anything that has to be tested for, but I have called for the baby who I KNEW had thrush. He gave me a script for him, AND one for me - saved me two co-pays. He also gives me samples of medications whenever we go in.

traces7
03-31-2011, 05:24 AM
Thanks for all the responses! Helps to get someone else's input. We still have another week to decide if we want to switch. Now I'm thinking we should just stick with the drs. we have hear in our hometown.

DawnM
03-31-2011, 07:15 AM
Given your situation, I would not.

20 miles away is crazy! I don't work right now, but even so, traveling that far to see anyone would be a problem.

Right now our regular doctor is 3 miles away, although for specialists we do have to go between 12-25 miles depending on who it is. Today we are actually going 13 miles away to see a specialist for my youngest.

Dawn

luvmy3
03-31-2011, 07:18 AM
I would for myself but I would not switch my kids' doctor.

StephMK
03-31-2011, 07:58 AM
I would not. Our ped office is only 2 miles away & I love being that close. I would not be happy driving so far if I had a sick child or didn't feel well myself. Sadly, we are not a 1x a year doc family though so we go in much more often.

We recently had the situation that our ped left the practice & moved to one about 10 mi away, 15-20 by car. At this point, while we love her, we chose not to follow her for the distance. I like the other docs & the staff in practice so for now, we're staying & seeing a new doc.

auralia
03-31-2011, 08:47 AM
before i made the switch i'd call these other doctors im interested in and see if they are even taking on new patients..... where I am the docs on the cheaper plans are swamped and it's 2 plus months to get a regular appointment and you cant get a sick visit appointment at all you have to go to the er because there are no appointments available. if the appointment situation was good id consider switching if i knew the docs were of the same calibur.

traces7
03-31-2011, 08:55 AM
before i made the switch i'd call these other doctors im interested in and see if they are even taking on new patients..... where I am the docs on the cheaper plans are swamped and it's 2 plus months to get a regular appointment and you cant get a sick visit appointment at all you have to go to the er because there are no appointments available. if the appointment situation was good id consider switching if i knew the docs were of the same calibur.

That's the thing, I've been to a couple of the drs. and hospital on this plan and it wasn't too easy to get an appointment. Also I wasn't real impressed with the drs. or the hospital. I'm thinking more and more of just staying with what we have and paying the extra, even though it will be tight.

marie1203
03-31-2011, 09:00 AM
Doctors is not something I like to change around just because. If I meet the new Doctor and I like them, then maybe I would consider them.

Lewisc
03-31-2011, 09:12 AM
You'll probably wind up having to take half a sick day or personal day a couple of times a year to see doctors. Fewer doctors have evening and Saturday appointments, at least where I live. You might wind up having to take time off from work to see your current doctors.

The 20 miles isn't the end of the world. The question is if the doctors, specialists and hospital are the same or better quality then what you have now.

I'd switch if I thought the doctors were at least as good as the ones available to me under my current plan. Research specialists like cardiologists. Are the cardiologists in the new plan good?

My answer would be different if this wasn't the budget board. Clearly you're looking for premium relief.

Is this plan also through your employer? You'll probably have a chance to switch back in a year if you don't like it. You can generally switch during an open enrollment period.

traces7
03-31-2011, 11:25 AM
You'll probably wind up having to take half a sick day or personal day a couple of times a year to see doctors. Fewer doctors have evening and Saturday appointments, at least where I live. You might wind up having to take time off from work to see your current doctors.

The 20 miles isn't the end of the world. The question is if the doctors, specialists and hospital are the same or better quality then what you have now.

I'd switch if I thought the doctors were at least as good as the ones available to me under my current plan. Research specialists like cardiologists. Are the cardiologists in the new plan good?

My answer would be different if this wasn't the budget board. Clearly you're looking for premium relief.

Is this plan also through your employer? You'll probably have a chance to switch back in a year if you don't like it. You can generally switch during an open enrollment period.

Yes the plans are through my employer. The plan where we could go to our own doctors is $650 per month, the other with limited doctors is $560 a month. So, I guess it's really $90. The original thought was to switch to save a little money. I pay $550 a month now. And yes we could switch back next year at open enrollment (April 1). I'll have to research the doctors more. The ones I've been to on the cheaper plan, I wasn't too happy with.

kaytieeldr
03-31-2011, 11:29 AM
Doctors is not something I like to change around just because. If I meet the new Doctor and I like them, then maybe I would consider them.
That's what I did. I'd been going to the same practice for over fifteen years, but their hours weren't particularly convenient; it was one doctor, two physician assistants, and one nurse practitioner; and while I'm not overly-sensitive, I'm positive one of the PAs didn't like me (on the other hand, I had excellent rapport with the other).

I called around and found a practice that could see me for a physical about eight months(!) later, so I made the appointment but kept calling. Around that time, I got a mailing from a relatively new practice - two physicians and a number of NPs. I forget what my issue was, but I made an appointment. I was satisfied with my treatment but not ready to change. A few months later, I broke a rib and was able to make a quick appointment with this same practice.

I switched. I'm happy. There are times they can see me before I'm ready - I work an odd schedule, and if I call in the morning they're willing to see me in the afternoon. They have evening and Saturday hours. I'd find out more about the workings of the new practice.

amylevan
03-31-2011, 11:30 AM
Seeing as how I have to drive 20 min to get to Wal-mart - 20 miles is nothing new around here. My DS was in a NICU for 3 weeks at a hospital 45 min away....so I made the trip twice a day - once in the morning, came home in the afternoons and went back in the evenings with DH. It's not fun, but it's really not the end of the world.

So if the new doctors were good, I'd be saving the money and switching. But don't forget that the gas to get to the new doctors is going to cut into your savings.

friend2Figment
03-31-2011, 08:27 PM
The distance would not matter to me really I live near 3 hospitals and they are all pretty close to the same distance to my house, about 15 min.
We love our Dr. and our kids love the ped. I am the only one who has ever been inpatient (when I gave birth). Now the ER is the other big reason we stay with the one we have we have a friend that is a nurse at the hospital we use( she is also a first responder in our town) and it is nice to know you are in good hands. My oldest DD was in the ER 2x in a month, both times she got hurt at school. I jokingly asked if they offered frequent visitor discounts? That was the same year my husband had 3 trips to the ER for broken foot, 5 broken ribs and pnumonia(sp?).

Have you talked with others that use the other Dr office? How good is your relationship with your current offices?
If it was $100 a pay check I might be tempted but our insurance now accepts all 3 hospitals.

MinnieForMe
04-01-2011, 07:05 AM
There is NO way I would change for a $100 a month. Not only do I have a relationship with my doctors but I did research before picking each one. I feel it's very important to build a trusting relationship with your doctors especially if you ever get a serious illness.

C.Ann
04-01-2011, 08:23 PM
Well - it's only me - but.. It has taken so many years to find doctors that actually understand my particular health issues; how violently ill I become from medications that 99.9% of the rest of the population can take with no problems at all; my gastro-intestinal system being thrown out of whack so easily; etc. - I would have to be down to zero amount of money before I would even consider a change..

I have the absolute best doctors now - have great relationships with them - and they are affiliated with the only 2 hospitals (one closer to here at DD's - one closer to my place at the lake) that I feel are safe, reliable, up to date on the latest procedures, and have excellent staff members..

So - no.. I wouldn't change to save $100.. There are certain areas where I draw a line in the sand - and this is one of them..

Good luck with your decision..

amylynne01
04-02-2011, 09:08 AM
If I were in your sitution, it would really depend on the relationship between doctor and patient. My DH and I have the same doctor. However, he has seen him for a long time, and I've seen him once. So I would change in a heartbeat because I really don't feel one way or another for the guy, but my DH would not. I wouldn't change my girls' ped either mostly because I really like him. He's thorough, never super crowded in the office, and gives me the time I need.

However, if we were a family that visited more doctors more often, I wouldn't change. That $100 is worth the peace of mind knowing that your doctors know your history, your situation, and your plan for treatment.

The distance doesn't bother me at all. My girls' doc is in the next town over, so at least 10 miles from our home. DH's and my doctor and my OB/GYN are an hr away where we used to live. He goes once a year, and his doc does a lot over the phone because he knows we live far away. I go to the OB/GYN once a year, so not a big deal either. We choose to drive that far for what we consider good care. Our doctors are not in the preferred network for DH's health insurance, so our copays are slightly higher, but again since we go but once a year, it's better for us this way.

PatsMom
04-02-2011, 12:43 PM
I don't think I would change to save $100 a month. I live out in the woods (literally) so it is twenty miles to anything so the distance wouldn't bother me. I drive over 30,000 miles a year now. There are no doctors in my hometown, nearest is about 10 miles at the hospital.

My current primary care is about 125 miles from where I live. I have been with her for 25 years and dread the day she might retire. Her practice has several other doctors and NP's, include one NP who is also a Certified Diabetes Educator. She just joined the practice and will be doing the routine follow ups for my diabetes, saving me four trips a year to the endo. Unless there is a problem that she thinks I need to see the endo for.

I also have cancer and my cancer doctor is affiliated with the same hospital as my primary and endo. Since they have electronic medical records, all information is updated for all doctors whenever I have tests done. This saves me a lot of time.

Between the diabetes, the cancer, the anemia, the arthritis, and the stomach ulcers, it would be just too much trouble to change. And even if I did change, specialists only come to the hospital near me once a week or so. Except for orthopedic doctors - being a ski area, we do have a few of those full time! But the local hospital would send me 80 miles away to Portland for the cancer treatments, etc.

Jen_in_NH
04-02-2011, 02:29 PM
Given your situation, I would not.

20 miles away is crazy! I don't work right now, but even so, traveling that far to see anyone would be a problem.

Right now our regular doctor is 3 miles away, although for specialists we do have to go between 12-25 miles depending on who it is. Today we are actually going 13 miles away to see a specialist for my youngest.

Dawn

Funny, I never even thought of the distance as an issue. We are about 20 miles from our PCP and hospital, and about 60 miles from DS' endocrinologist.

I would call some of the doctors you'd be able to switch to, and see about things like wait time for an appointment, any paperwork fees they have, and what sort of things they do in the office versus which they send you out for (do they draw their own labowrk? If not, you may have a separate copay for that. Same with xray)

Good luck

IMALOVNDISNEY
04-02-2011, 02:54 PM
No question for me. I would not be changing. My time and personal relationships with doctors are more important than the 100/month.

I agree completely. We have in the past choose the higher premium with DH's health benefits just to keep the PCP's and Specialist we already had. No amount of money could replace them. I couldn't put a price tag on the trust I/we have with them.

mhsjax
04-02-2011, 04:07 PM
Nope. Never. No way. But I am in love with my Drs. My kids have had the same ped since they were born, oldest was 14 years ago. We have her home number and we have been to her house in an emergency, you just don't give that up. My OB has delivered all my kids and did my hysterectomy, and DH has a wonderful cardiologist. They are all no less than 10 miles away. In my situation, they are priceless and no amount of money would cause me to switch.

Mom&RN
04-02-2011, 04:11 PM
But I will say this. I am a nurse and have chronic health problems of my own (lupus, ugh!). I wouldn't switch from a doctor that knew me and that I liked for $100 a month. But.... I also have the $100 and health issues. My hubby is retired military and we have Tricare (military health insurance) and for years we had the same internal medicine doc at the closest base, he was a civilian contractor so didn't get moved or deployed. We drove over an hour one way to see him but he KNEW us and we trusted him. Then he changed jobs and we started getting active duty guys and we had (no lie) five different doctors assigned as "our" doctor in two years. So, we switched to a civilian guy much closer to our house and now instead of free visits we pay $12 copay for each visit (not complaining I know that is cheap) and the money is worth it because he knows us and we trust him. It sounds like noone in your family has chronic health problems so I think for you the question is - do you want to stay with your current docs enough for it to be worth over $1000 bucks a year to you?? Like I said, I don't think there is a right answer - but I still vote for keeping the docs you know and like ;). Good luck and stay healthy!!!

Hannathy
04-02-2011, 04:28 PM
If no one in my family had a chronic condition that they were seeing a Dr regularly then yep I'd switch. I have switched several times in my life.
$1,000 a yr is a good chunk if all the other aspects of the benefits are the same except for Dr's.

ilovemk76
04-02-2011, 05:02 PM
My family (DH, DD) and I are covered under my health insurance plan. Our rates are going up of course. Right now the plan that we're in, we can go to any drs we want. If we want to stay in that plan we'll have to pay $100 more a month.

We can switch to a plan that covers only certain drs for the same as what we're paying now ($275 every 2 weeks). The only thing is that none of these drs or hospitals are in our hometown. The nearest ones are about 20 miles away. There is a small general practice clinic 10 miles away. Also not to mention the fact that I've been going to my OB/GYN for over 12 years, DH has been going to his dr since he was a kid, and DD has had the same pediatrician since she was born.

Would you switch everybody's drs to save the $100 a month? (That's $1200 a year!) We're seriously considering it. We all only really go to the dr once a year. Although I've recently found out I have a low thyroid levels and will have to be tested in another 3 months. We just don't know how much more we can afford for insurance!

Everything else about these 2 plans is the same, except the cost and the drs you can see. What would you do? :confused3


I would switch and then use the $1200 savings to pay for the once a year visit to your out of network Drs.

traces7
04-02-2011, 07:28 PM
But I will say this. I am a nurse and have chronic health problems of my own (lupus, ugh!). I wouldn't switch from a doctor that knew me and that I liked for $100 a month. But.... I also have the $100 and health issues. My hubby is retired military and we have Tricare (military health insurance) and for years we had the same internal medicine doc at the closest base, he was a civilian contractor so didn't get moved or deployed. We drove over an hour one way to see him but he KNEW us and we trusted him. Then he changed jobs and we started getting active duty guys and we had (no lie) five different doctors assigned as "our" doctor in two years. So, we switched to a civilian guy much closer to our house and now instead of free visits we pay $12 copay for each visit (not complaining I know that is cheap) and the money is worth it because he knows us and we trust him. It sounds like noone in your family has chronic health problems so I think for you the question is - do you want to stay with your current docs enough for it to be worth over $1000 bucks a year to you?? Like I said, I don't think there is a right answer - but I still vote for keeping the docs you know and like ;). Good luck and stay healthy!!!

We still haven't decided. The thing is DH does have a couple conditions he's had for years and has been seeing the same dr. So it would be a little difficult for him to switch. I haven't had anything until recently I started taking medicine for hypothyrodism and will need to have a blood test in 3 months. So we both have some issues. DD is fine and healthy. I have 2 more weeks actually to decide, but I'm hoping to decide by the end of next week! I've been trying to ask people what drs in the other plan they like etc and doing some research. We'll see.....:confused3