bad experiences w/Cigna or Blue Cross Blue Shield?
Can I ask whether anyone's willing to volunteer their irritating health-care experiences, in somewhat shortened form?
Our employer has just been OK'd to join the state of NM healthcare pool, and so we get the chance to switch our insurer. We travel a lot, both in and outside the US (I research Central Europe, DH is from and researches Peru), so the HMO is out. That leaves either a Blue Cross Blue Shield PPO or Cigna.
Has anyone had nasty Cigna or BCBS struggles? I'm trying to figure out whether Cigna's worth saving $1K/year -- we are currently with BCBS and like them fine, but it costs us an arm and a leg.