Thoughts on BCBS PPO vs. Cigna PPO network in bay area. Trying to finalize to go with

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Depends more on plan design. BCBS typically has a larger network nationwide. Check out Kaiser Permanente if you’re in the Bay Area and your employer offers it.

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You have to have a death wish if you willingly chose Kaiser.

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At Accenture, the plan design is identical for the BCBS and Cigna. So it’s all about the doctor network and their ability to administer the plan as Accenture designed it. Both are self funded so Accenture makes the plan design decisions and pays the claims.

What does self funded mean?

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