Hi,
Carmen - I love that pic, too cute!!
Siobhan - here we have copays with our health insurance. that is the out of pocket figure that we pay for every doctor visit, er, etc, that we have regardless of our deductible. For instance, my insurance deductible and out of pocket max has been met for the year, but it covers services, hospitalization, etc. We still pay a price for every office visit we have. Our ER copay is alot higher, because the companies don't want you going to the ER for every little thing. Ex. - we go to the doctor and pay between 20-40 dollars. The ER is $200.00. Ouchie.
Today was HC volume 3. Still not sure if I like these...