For the first twelve months, the policy covers the cost of the baby’s checkups and shots, subject to the deductible and coinsurance. (The deductible, and a thirty dollar copayment for each doctor’s visit, does not seem to apply to the first two visits.) Between the ages of one and eight, the policy offers only $500 of coverage for well child care—a maximum of $150 a year. A family with a sick kid might have to incur debt to pay for the child’s care.

So what does $5,000 buy? The answer may be very little.

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