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[IP] Insurance POS vs. Indemnity

I am about to start a new job and need to pick an insurance plan.  I have 
been on my parents plan in the past.  Now, I have learned a whole lot this 
week about insurance but am still confused and I don't know what my decision 
should be based on.  

The indemnity plan covers pretty much everything at 80%, which means supplies 
and doctors equipment will cost quite a bit (which is ok, because luckily I 
am making enough money).

The other is a Cigna POS, where I need a primary physician to send me to a 
specialist every time I go.  Then everything turns out to be real cheap.  
However, with this one, does anyone know if it will be difficult to get 
referred to the specialists I have been using?  Also, my diabetes specialist 
is not part of the network, so Cigna says that the perscriptions he writes 
will be out of network. 

I really like my doctor and would prefer not to switch.

Thanks for any advice
Kevin Gorman
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