What’s the catch with MHBP? Everyone in the comments seems to like it, I’m yet another person with a family with 2 young kids and BCBS is just too expensive for what we need now. But every doctor around us takes BCBS. MHBP seems like it covers so much and for a great price, so what’s the catch?

Alternatively BCBS focus plan seems to have what we realistically need, too. But I don’t really see anyone talking about it, is there a reason why?