Thanks for the comments everyone. I think I'm in the same boat as GBC. Really do not go to the doctor alot if I can help it and am not "old" by any stretch (I'm in my late 20s). I'll think about it some more. I need to look over the numbers some more but it just looks like extra coverage I don't need. We have a number of doctors within 20 miles or less of here so its not like I absolutley have to have this one.
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