AARP, that's a waste of dues! Our ppo is a BC/BS one in Illinois. We havent had any issue with anything they wouldn't pay for - and boy oh boy, do we got bills. Looks like we have hit the max out of pocket again with my wifes lymphoma.
And lets not forget the latest addition - getting run down by dogs in the dog park!!! (severe sprain - but we save money 'cuz she got run down last year too and broke her other foot) We still had the crutches and big black boot! On a positive note one of the involved dogs turned around and came back to lick her face as if to say "sorry, lady"