"What we did in the meantime, because [the children's] insurance was ending Dec. 31, we had to go out and buy a separate plan directly through Blue Cross/Blue Shield," Mrs. Davert said.
"The premiums aren't an issue for us," Ms. Davert told the Times. "The premiums under both plans are essentially the same. What could be costly for us are the out-of-pocket expenses. In our old plan, the most we would pay was $2,500 combined out-of-pocket per year. With the very best plan we could get them under Blue Cross, we have a $5,100 out-of-pocket maximum for each child for a total of $10,200. That's an incredible amount to absorb."