Ed,

>       This was one of the downsides. The health insurance 
> packages they  
> offer are centered in Texas, and since 3 out of the 4 of us are not  
> going to be anywhere near there, the choice of "in-network"  
> physicians is pretty slim. It's cheaper, but not as good as it could  
> have been with a different carrier.

That's a really big downside. One of the things I like about the carrier I'm
working with is that they have a plan that offers coverage anywhere in the
world. But I'm not licensed anywhere but California so don't take this as a
solicitation. :-)

Kristyne



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