I have just graduated college and I am about to start a job that offers health insurance. However, I am clueless about what type of coverage I need. My company has plans with United Health and Blue Cross Blue Shields, but I don't know which one to pick. I have a 2 year old son, so I need something that will cover routine visits to the doctor and I also go to the doctor myself for regular checkups (i.e. pap smears). I would like to have emergency room coverage in case I have to rush my baby to the hospital in the middle of the night if something happens. I don't want to spend a lot of money a month (under $200) but I would like to have the right coverage for me and my baby. I an annual deductible is $2500, do I have to pay that out of pocket first before the insurance kicks in? I'm so confused.