Greetings, jstirn, and welcome to Fooldom.

<<I will be going back to regular indemnity health insurance next year after 12 years of PPOS because I am very afraid that if anyone on my family has a serious illness, they will not get the best care, they will get the CHEAPEST care. I want the right to chose our doctors back.>>

A PPO can provide good care, and most do. Yet I work close to the industry with my invovement in the employee benefits arena. I've seen the bad cases. Therefore, I'm willing to pay the freight to provide my family indemnity coverage. Sure, I spend more. But I also sleep better at night. However, I don't think as employees many of us will have that right in the future. Employers increasingly are going to managed care, and deviations from that standard will be even costlier in the future. Accordingly, those of us who want choice had best be prepared to absorb the full cost.

Regards......Pixy