Same. I feel like, a few decades ago, you could make a good argument that PPO land gave you more choice in exchange for higher fees. But these days, the good private practices are completely slammed, and I honestly think it’s faster and easier to find a good doctor or specialist in Kaiser.

The crazy thing is that my spouse works for one of America’s PPO insurance companies, and she’s rather use my Kaiser plans. The care is better and the out of pocket is way less.