[over the mountain]

Does anyone have kaiser permanente insurance?

Especially in the Baltimore area?

Kinda curious as to how it works. Seems like a group insurance where you go to their medical facilities? I imagine you can outside their medical community if you need to?

Ive been reviewing their offered plans, tons of material they sent and feel pretty good about one co-pay plan which would cost my girl and I $236 a month plus a 30-40 copay visit for medical and emergency visits not considered "preventative care".

or should i wait for this obama health care whatever it is to start. . .if it ever is going to be an actual health care option and not just some fluffery and puffery plan which never actually helps the people who need it.

We cant wait much longer. I dont see the health care plan kicking in any time soon (im guessing a year from now) but dont want to make my girl not eligible if she decides to bite the bullet and just go with kaiser now then a year from now miss out on a better or more affordable option.

Kaisers material was so much easier to understand compared to blue corss blue shield whose stuff was soo freakin unnecessarily confusing you wonder if they dont purposely design their contracts that way so they are unreadable and open to interpretation, pitfalls, purposeful ommissions, etc.