Isn't it a shame that the consumer needs to go to such lengths. And, we are getting older. Last thing I want to be worrying about when I'm 85 or 90 is fighting w/insurance carriers.
Kaiser is very good. We don't have an Advantage carrier in WI which also delivers medical services. Best I can do is go to our major teaching hospital which is in-network and HOPE that if an emergency arises and I need to see a staff physician other than PCP that physician is in-network.
Kaiser is very good - especially in certain areas of CA, as well.