Our system is so byzantine. I prefer to go to Kaiser, if possible, for no other reason than everything is in-network by definition. The only reason I don't have Kaiser right this moment is my current company only has one Kaiser plan, and it's a Cadillac plan -- zero deductible, zero out of pocket maximum, and so it has a fairly high premium (whereas the PPO plan I'm using has a premium essentially zero, the company pays almost 100% of it). Which brings me to something else I loathe -- that my health coverage is related to my job. Dammit, I don't want to change doctors when I change jobs.
