I just realized our insurance sucks! After 12 visits in a year to the doctor, our co-pays go from $25 to $50!!!!! What is funny is that my 10 mo. old non-cfer is the one who has already maxed out on Dr. visits. Without realizing it his last 3 pediatric appointments have all been $50 each!!!! Shouldn't the Doc's secretary told me the visits were $50 instead of $25, she only charged me for $25! I guess now I will be getting a bill for the leftover $25 I didn't pay when I was there. Anyway, I just wanted to vent. Anyone else with this type of program?