Judy is that 6 children total or 6 daycare children in addition to your own. That is what we were running into when first looking. We had a group policy here in Ottawa for many years but then the company got out of the daycare market and we each had to find our own provider. While my kids are older so it isn't as much of an issue those with 2-3 of their own small children would no longer be covered for more than 3 daycare children as it was total children (own plus daycare).