It would be important to me whether the Doctors and hospitals you want are in the plan or not. HMO's are typically more restrictive in the Doctors you can see and the hospitals you can use vs the PPO's.
That might reduce your choices in half.
appropriateUsername wrote:Thanks for the valuable information.
The two of them share a joint account. Is it sufficient if I just write them each a check for $1000/month (even if they just end up in the same account)?