Re: Fully vaxing families?
We always pay our co-pay for well visits ($10 for us) but then we are also billed a portion of anything that is done. Insurance only 'allows' X amount for vaccine costs, so if the doctor bills more than that we pay the difference.
I know my insurance hasn't had to make other ACA changes (like covering pap smears) because they are 'grandfathered in'. So hopefully, once that period is over we'll get all of the good changes!