<p>curiouser,</p>
<p>You should look into SAMBA insurance through the FEHB. They have a Dependent Children’s Health Plan for about $260 a month for dependent children under age 27.
[Dependent</a> Children Health Benefit Plan](<a href=“http://www.sambaplans.com/DHBP2010.shtml]Dependent”>http://www.sambaplans.com/DHBP2010.shtml) . The parent must be covered by SAMBA, also, but SAMBA’s standard option coverage is very similar to the BC/BS standard plan and is much cheaper. The coverage for the dependent child is identical to the parent’s coverage, with a $300 deductible and $5000 catastrophic maximum.</p>
<p>We switched last year from BC/BS so that we could get this coverage for S1. Once he’s insured through an employer, we’ll probably switch back. But for now, this solution makes the most sense for us.</p>