My grandfather used to sell Aetna insurance policies as part of his job 
at Shelton-Bowles Insurance in Dallas, so he always said they were 
pretty good

:-)

'course that was near 25 years ago.

Personally I have experience with many different versions of BC/BS and 
some implementations have been super-cool and others BS as the name implies.

YMMV but I agree that in principal you should stay away from HMO plans.

-- 

will

----

William H Bowen
Marketing Communications Manager
ALSTOM EAI Corporation


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