After examining the usual suspects (Nationwide, HealthNet, Blue Cross, Blue Shield, Pacificare) I find that the plans are almost identical. PPOs with $4000/5000 deductable or out of pocket maximum, 100% coinsurance etc for example, cost almost the same from each provider. What about WallMart, Costco, Kaiser ??? is there something I should know?
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A lot will depend on where you live, but in general, at least in California, you will want to look at which carrier is used by the largest number of doctors in your area. Blue Cross tends to be accepted by most doctors in California. A PPO is only as good as the doctors who accept it, so a cheaper one is not necessarily a good deal. You might find cheaper plans, but if no doctors accept it, it's worthless. The other plans you mentioned are good too. Find out what your personal doctor and the hospital near you use, and if everything else is equal, you know which plan to go with. Wishing you good health, Kim, a former life/health ins. agent
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