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Which Insurance is best?
Feb 13, 2008

Hi, My wife and I both have HIV. She will need a liver transplant in the next year or so, of which we will have to go out-of-network from Atlanta to Miami. My 2 options are United Health PPO, or CIGNA 80/300 indemnity. Can you suggest which may be more flexible? Thanks, in advance, for you assistance.

Response from Ms. Franzoi

You should look at the provisions in each plan closely and discuss the plans with your physicians to determine which plan will work best for you.

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Individual Health Insurance in California

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