For us, it’s only about $10 more/month to have “family plan” than just H and W plan. It’s well worth the peace of mind for us because we know H has excellent plan that allows us to see anyone anywhere. D is a medically disabled dependent and allowed to be covered under H’s plan. She has been able to get great care in CA at nearly every MD she wished, nearly all are participating & preferred with BCBS, including Stanford, USC & UCLA.
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