KP, is the largest of the HMO and is supposedly the role model for many of the HMO's out there.

While HMO's have there place in todays medical world, as far as I am concerned that place is far down the list of choices. I do not want my medical care decided by business people looking at their bottom line, rather than medical issues.

If you can find an affordable Fee for Service Plan go for it, if not a good PPO should do.