You can see Hilary off in the distance running away with a target on her back -- they realize this is the last chance they have to get at her before 2016. Man, she scares some people; last time around we got Citizens United...
mesll said: Same goes if you have established a great relationship with a good functional doc you can trust they will always be out-of-network, but even PPOs only pay little in that case.
I've had PPO plans at larger companies; I've noticed no functional difference with the HMO plans I have now. I'm in an urban area so YMMV -- Sutter East Bay Medical Foundation.
HMO or PPO?
HMO $30 co-pay. We were able to keep our existing primary physicians, OB/GYN, and pediatricians (we've hopped insurers every 2 to 3 years with "HMO plans" and never had problems keeping our doctors).