I have BCBS PPO, have had it for years, and I wouldn't have anything else.
ALL my claims are paid immediately, the doctors have contracts with BCBS where they can't charge me for any "overages", and I've not yet found a provider that I wanted to use that isn't on their list.
I pay $282 a month, $1000 deductible, $20 Dr. visits, $15 generic/$25 name brand prescrips. No, it's not cheap, but since I take about $300 worth of Imitrex a month, I do OK.
You get what you pay for with insurance - home, car, health, etc.
