I'm sorry you're losing that double coverage - that was sweet!!! But, consider yourself lucky........... our plan has a $6500 deductible per person or $12,500 per family. OUCHY! However - the first 6 doctor visits are covered with a $30 copay, after that the deductible applies. And labs and Rx are covered with copays or a percentage. So - the deductible only kicks in if you have to have surgery or an MRI or some other invasive type procedure. I'm hoping 2015 will be a strong year for the boatshop and we will be able to buy better insurance.