We liked Cigna. Now we are with Aetna (not our choice) and have a PPO. Even with a PPO, Aetna told me I needed a referral to see a specalist for a problem for which I was being previously treated, but am no longer able to go to my previous doctor as he doesn’t take Aetna. We bought the PPO so we could go to doctors of our own choice. But to Leftists, ‘choice’ only means the ‘right to an abortion’, not actually being able to see the doctors you have been seeing for years. The Government is already controlling our health care......they just aren’t yet upfront about it.
He switched jobs and despite my warnings to him that the healthcare was a huge consideration. We now have Cigna. We pay out the butt and it absolutely sucks. It's basically like not having any insurance and paying out the butt to not have it.
Everyone I am talking to is pretty much finding out the same thing. So, I can't say for certain if it is just that we have new crappy insurance or that all insurance now pretty much is useless.