Choosing Health Insurance Plan?

[Minnesota_Horn]

My company has recently decided to change health care coverage plans. I now have 5 plans to choose from. 4 PPO's and 1 HMO, all adminstered by Blue Cross Blue Sheild Antheim. My question is this I recently got married and my wife has some neck problems. She has been going to a chiropractor/physical therapist for the last year, but the number of visits was limited to 20 visits. The chiropractor wants to have more visits but I can't afford full price since the insurance company won't cover it.

The new PPO plans all limit the number of visits to 20, but if I go with the HMO there is no limit to the number of visits. Is this enough of a reason to go with a HMO or are there hidden reasons I want to avoid an HMO. Everything I have heard about HMO's is they are bad, but when I look at it seems to work for my situation.

 

[wolfman]

I have heard some bad stories with HMOs, but all of my personal experiences have been good with HMOs. The referal process can be kind of a hassle but its not that bad. The thing that I liked about the HMO plan that I had was that they covered virtually all major expenses less a small co-pay. I would still be on a HMO plan if my company offered one this year.