Blue Cross. Fairly well known. She will not go to the emergency room as the deductible is $1,500 -- which she cannot afford. When you make $9.00 an hour that is alot.

An HMO does not pay ANYTHING if you go to another physician. That is the difference between a PPO and an HMO. NO out of network benefits.

These are the people who fall through the cracks. They have a job. They do not qualify for government assistance. But for affordable insurance you have many co-pays -- that they cannot afford to pay.

You have excellent coverage if ER is only $35.00.