Does anyone have a health insurance provider that they can 'Rave' about? We have BCBS PPO plan and have been notified they are discontinuing all PPO plans and going to HMO. I was told by the physician we go to that HMO's are not great, and besides the rates are going up and benefits reduced. Any suggestions would be appreciated, I have a couple months to do research before choosing but I don't even know where to start.