I've been under FEHB for 27 years now. In that time, I've tried GEHA(early to mid 80's) Mail Handlers (85-87) PruCare & Central Texas Health Plan HMO's (88-91) and then switched to BCBS in '92, stayed there ever since. I think they're a little pricey, but all of the plans are so whatcha gonna do? For the difference you might save in premiums vs. a different plan, what are you willing to give up? Personally, I like being able to whip out my BCBS card pretty much anyplace in the country & have no problem seeing whoever I want to see. Very few places don't take BCBS. I did have an issue once when I was on one of the HMO's. I just like the universal acceptance of BCBS. I recently transferred to Wisconsin from Louisiana and briefly considered a local plan that some folks swear by called DeanCare. I think, after more consideration I'll stick with BCBS. Guess I just don't like change or the unknown lol! As for my Mail Handler's experience, it was a long time ago, and they probably don't do business the same way they used to, but I seem to remember they had kind of stingy "reasonable & customary" amounts they'd pay and that was it. Normally, what they paid was less than I wanted them too. After a couple of years, I had to try something else. I liked GEHA back in the day, but can't comment on how they are nowadays. I currently have self & family option, with myself, my wife & an 18 yr old son covered. We're in decent health & BCBS meets our needs. I just wish the premiums would recede a little. Yeah, right!