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We no longer live in Ca., but we did adopt 4 of our children there. During adoption assistance negotiations CFS wanted us to have them on our insurance but we told them we wanted them to have Medical (someone on the inside told us to request medical to continue) as it had better services and coverage. We also had Kaiser and though very happy with services there several of our children saw specialists at Children's Hospital and we wanted them to be able to continue to see there Doctor's. I am very glad we insisted as some of our kids have ended up with some rather significant medical problems and receive the best care and multiple therapist that might not have been covered otherwise.