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If your health insurance policy doesn't cover well-baby checkups and immunizations, it might be time for a new plan, says Jane Cooper, CEO of Patient Care, a firm that helps people with insurance issues. Her tips:

* The fewer visits you make, the higher a deductible you should go for (you'll pay less for the policy). If you make at least one or two doctor visits a month, though, a lower deductible is best. Or join a managed care plan that just requires co-payments.

* If a plan mandates that you see participating physicians, check that its list includes any pediatric specialists your child may need.

* Make sure emergency care is covered and that you'll be reimbursed no matter which hospital ER you go to.