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Fairfax County Public Schools (FCPS)
Reply to "FCPS employee health insurance "
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[quote=Anonymous]Please read up on PPO vs HMO. That’s what you’re dealing with. A PPO like Cigna has higher premiums, but I can choose which doctors I want to see. An HMO like Kaiser is cheaper, but I have to get referrals from my PCP and have to see doctors within Kaiser. I’ve been in FCPS for over 20 years. I started with Kaiser before I had kids. It was easy and I could get my few needs met in one place. When I got pregnant, I switched over to the PPO (Aetna at the time) because I wanted the ability to pick my own pediatrician. I have had Cigna and have no regrets. I pay $20 for doctor visits. Both have advantages and disadvantages. Pick the one that is right for you. [/quote]
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