Standard for babies is zero franchise, you just have to pay 10% on everything up to a certain limit (as you do above your own franchise). Some insurers, mine included, give you option of a few hundred franchise for slightly lower monthly cost for kids, but honestly I don't think it's worth it. For most babies you will find yourself at the doctor so many times for check ups, coughs and colds, etc, even for a perfectly healthy baby, just go for the zero franchise, it's much easier and less to worry about.
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