first off, let me explain a few things. my husband is in the military, and, for anyone who knows about the insurance, you can choose either standard or prime (prime is free). on prime you have less choices in doctors and it's a long process to switch your primary care (who has to refer you to any specialist).i was previously on standard, in which you have more freedom. but i found out i was pregnant and with the bills that would add up, i decided to switch to prime. i chose to be established wit...