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Old 10-19-2011, 10:23 PM  
epitome
So Fucking Lame
 
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Join Date: Jun 2009
Location: St. Petersburg, FL
Posts: 12,156
Kaiser is great. If you're close to one of their medical centers that do everything, you're golden and will rarely need to leave that single building for all of your routine healthcare needs.

I've also had Cigna and they were great.

As for HMO or PPO, it really comes down to how sick you are.

For someone like me with Crohn's Disease, the 20% co-insurance quickly adds up and HMO is always better. If you rarely ever get sick then PPO may be your best bet.
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