Originally Posted by Rambo
HMO, EPO, or PPO?
Last year in a move to keep premiums from rising, they instead changed us to a shittier plan/provider for 2012...luckily it was mid 2011 when I broke my hand! (although I only got the last check from insurance a couple months ago).
Now this year premiums are going up and deductables/copays are going up....
I don't even know what to describe it as...our old plan said it was a PPO but this one doesn't say anything (Cigna Open Access Plus). It has features that I associate with a PPO (such as the availability of many in network providers plus the option to go out of network and pay more), but I am sure I am getting fucked somewhere.