Thanks for the reply. The deductible will either be 1500 for individual/3000 for family or $2000 for individual and $4000 for family. Yikes! It says that doctors office visits are covered 100% after deductible, but in another place it says something like "doctor's visits...2 visits per year covered." I do have chronic health problems, so I need to see the doc more than twice a year. I have one primary doc and 3 different specialists I need to keep in touch with. I wondered if maybe it meant that they will cover 2 visits per year even before you reach the deductibe, but I don't know.