Naw, I have a PPO. It's definitely one of the better plans I've seen offered anywhere though. My out of pocket cost is $1000 a year too, so that's pretty sweet.

Naw, I have a PPO. It's definitely one of the better plans I've seen offered anywhere though. My out of pocket cost is $1000 a year too, so that's pretty sweet. It's not terribly expensive either. I just started COBRA and it is $750 a month or so. I'm glad I don't have an HMO, as I'm not organized, and tracking down referrals and such would be a nightmare for me. I've never found a doctor that isn't in my network, so I just figure out which doctor is closest to me and isn't a hack and schedule an appointment. I live a couple of miles from Northwestern University Medical, and Rush University Medical Center, and they've got almost any type of doctor you could possibly need to see. I don't think my PPO is complicated, but I've never found technical documents that hard to understand. Most of the complications seem to be for emergency and urgent care, but office visits are as uncomplicated as I've made them seem. Some types of lab work might cost more, but I've never been charged for any diagnostic tests outside of cat scans and MRIs.