Folks - really take a moment to read this. I pray that it will save you some hassle, heartache and frustration.

My spouse is a County Employee & our benefits are thru his employer. Our out of pocket cost for 3 is approx $400/mo. If we want services we are VERY limited in providers and often drive an hour 1 way to got to Kaiser Gwn. If you have kids who have any preexisting conditions that require Rx's - not even weird ones but common things like asthma, DO NOT pick this for your family. Formulary is very limited, and you receive different info on coverage depending on who you talk to.

You CAN NOT get an existing Rx filled if the provider is not a Kasier provider. It does not matter if the Rx is on the list or not. You basically need to go to the doc in a box facility and become a member of the herd. This is MANAGED HEALTHCARE. Trust me they decide what you can and can not have taken care of, preformed, looked at and followed up on. You have VERY little say so.

Our child's asthma Rx will not be covered with out a tons of hassles, forms, waiting, drives to and fro to Gwinnett to the ONLY pharmacy that will fill non-fomulary Rx. Her med would be $150/30 days w/out ins. It's mid-April 2011 and I've been working to have this Rx covered since Feb 2011. I've filled out or had completed 5 forms thus far.

Do not let the commericals mislead you. If you are healthy, and need just in case coverage, then maybe. If you even think you would need to use this insurance to care for your health, then do not become a member. Once you are in, esp. thru an employer you are STUCK!