Open enrollment time and subsequent rambling.

Have had a PPO (Cigna) for the past 10 years and really liked it, great coverage minimal costs for emergency and hospital related items. I changed jobs this past year and picked up their PPO (Anthem Blue Cross), had a bike crash with ER visit, and left with a hefty bill. Not too thrilled about that. As a result, I'm considering going over to Kaiser, but like the freedom of being able to go where I want, when I want (I guess that comes at a new price with this new provider). I think I'll have to work on the assumption that a bike incident and ER visit is likely and the cost savings from Kaiser would be helpful.

I guess an alternative would be supplemental coverage. I've had it in the past, never used it, and cancelled it. I've heard/read some less than stellar stories about the lack of payment once you actually have an incident though.