My employer pays for coverage for me and I pay $100.00 for my son and husband. When I meet the deductible, I am still obligated to pay 20 of the cost. That gets pretty expensive at times. I did a wellness exam 2009 and I am still paying medical bills for that now. If the wellness exam was free, I am wondering why I had all sort of other medical costs billed to me. I haven't had my yearly exam this year due to all my existing medical bills. I hope I don't request that in the future.