Insurance

Today I am to attend the yearly meeting where Wayne is employed to hear about the changes in our insurance. I'm very thankful to have health insurance; however, I'm always a bit apprehensive as to what the changes will mean for us each year. Will we have an HMO or a PPO? Will our deductibles be higher or lower? Will we be able to use the same doctors or will we need to establish new doctors? My hope is that there won't be any major changes this year.