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First, the insurance, from what I can tell is definitely better than what we had. Under our old plan, the first $1,000 was paid for and, after that was used up; you had to spend $5,000 out of pocket before it would pay anything else. You would be surprised how fast that first $1,000 gets used up. In a normal year, we would still end up paying another $1,000 out of pocket because doctor appointments in this area run a minimum of $100 each and that doesn’t include any lab work.