I have never figured out what "outstanding" insurance is, and my late father was a physician. I just go with a PPO because that seems less crappy than the alte

I have never figured out what "outstanding" insurance is, and my late father was a physician. I just go with a PPO because that seems less crappy than the alternative. If anyone knows what metric leads to outcomes like my friend's (I'm not being facetious here), I would like to know.