My husband just got hired full time. <:P Since he wont be a contract worker anymore...I will have insurance!!! :O
It kinda sucks that its through Cigna (I have heard Cigna is a bunch of buttheads when it comes to approving anything)
My question to you guys is should I choose the HMO or the PPO. There is no deductable with the HMO, but the PPO only has a small deductable. (300 for the whole family) There is no lifetime limit on either plan and there is no preexisting clause for either plan either. The HMO is 20 less a month. Help me. Which one is better for actually getting MRI's approved etc. I dont want to be stuck.